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原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
7 q- E7 H6 Q! P8 c0 }Why bank will sell 借據給第三者???4 k) @- E9 g3 B; j; L5 s
I was so confused.....
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, S, `/ x$ K( |% r% q1 v4 s& D講到尾都係賺錢
4 @* S& W- [% ^3 |1 fso銀行可以不斷放款# Y' d: [! y# H! v/ D. i3 z$ v% R0 l
美國的房貸問題散佈到全世界6 L/ N& `7 N& R) p8 `; B
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mortgage loan
6 d/ H; k0 E6 |7 c8 L) V>conduit
! `% ]/ `& x+ U1 c7 I* q" O2 t>RMBS(Residential Mortgage Backed Securities)
# Q  h, I" E% g( F% D# E>arranger
; [5 t; w* V8 T5 l>CDO(Collateralized Debt Obligation)
0 \) G* p0 _6 ]9 ?3 h, I最後去到投資者
i thought it is the reason of rate of return.* D' U8 C7 Y, D6 k/ M( i
CDs could have different ratings, AAA -> F,$ {: f; l2 s0 U; R  J  A
more risky ones would have higher premium (interest rate) as a compensation for an investment.; D) x6 r) D/ H# @
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
3 ?/ v$ \8 o( @. e. a- ]- nin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
1 N* a7 R1 c7 H' I$ N' D( G" m. r9 CAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.* [! b* ?  x$ `! K  e
similar to bonds, CDs trading in the secondary market have different value at different times,
8 o/ Z8 T! O8 d/ N+ ~5 hnormally the value is calculated by adding it's principle and interest. " d2 g4 q; O2 t1 l- o& j, J
eg. the value of the mortgage+the interests to be recieved in the future.
5 v- q7 [  r0 d: ~/ a, U) wbanks who sell the CDs, could enjoy a few benefits like, the present value of cash and passing the risk of holding a debt to another party.: R4 C1 p8 e' w7 }4 l2 \+ a

" y9 k- K) ^( p& `im not quite sure if the multiplier effect does really matter in this case.9 V' e* ^$ g; K0 o% N
in stock market, it's the demand and supply pushing the price up/downwards.
8 U# Q4 d, B: a( k$ c1 u! vFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
: Z6 i/ {0 ~+ f: a" YA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.) ]) s( g' @* E7 U. k
The capital loss that ppl suffer nowadays, i believe, most of them does not really suffer a real $ lost yet as long as they dont sell their securities.
" @+ |5 G) q5 }7 K" `/ H  N# Mbut the value of their assets did really drop significantly.5 l- D: D$ ?8 W

$ z- b( n1 Q  J4 I[ 本帖最後由 Kev 於 2008-10-8 07:26 PM 編輯 ]
原帖由 balachiDavis 於 2008-10-8 04:09 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
5 ]4 b4 k& n9 T8 z2 |+ M1 J2 aRefer to last example,+ p1 C- S  n+ A
that means bank A have no money because we borrow 10 dollars from bank A
$ Q/ S; K# {4 h4 {Because bank A doesnt have enough cash on hand
0 x. M( f$ {8 e5 Y7 X5 ^therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E4 M( s! m8 v6 v$ C! f. K
so does it mean if E failed to pay D,
7 P4 P8 \# \* Gall the B,C,D,E have to go bankrupt?
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4 W- Y7 c. _0 O$ L# kthe multiplier just tell how much money created in a whole economy,
3 k: r+ x% x7 c  L+ Lin this case it doesnt really matter how much money is created,
. ]. c; q1 u% ~; Ait's the problem of the debt itself.; v6 F# t# q( u3 w
the debt(securities) is bad, faulty, that harmed the whole system.
原帖由 kerr12ca 於 2008-10-8 02:44 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
3 u6 O  h! o( Y4 ]% {0 e: R; o小弟一直都唔明...1 h; z" B3 {$ H; N# l9 O
7 c9 ]# Z9 A$ q+ n) e
全世界都蝕錢,咁邊個賺緊錢呢?# b! B/ H+ Y$ z' C

: b# m1 E) m2 M+ |$ X2 s0 a無可能淨係有人蝕錢無人賺架嘛.../ T  J/ d& ^2 u: j: I
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敬請各師兄解答
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+ C8 ]" Z7 l7 y& i6 I0 f6 b7 s: B' uThanks
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那些根本係 紙上財富  
; W3 c2 b9 g9 f/ w: d" M" }* q各式各樣的證券被炒到上天 你一樣唔賣那筆錢永遠都不是真的存在
with regards to the current crisis, Chain of fools does a reasonable job of explaining what happened with a nice graphic5 K. }" @( b' J6 R& @: u( h
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http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
6 ?( c5 I& q+ c3 N3 @. p當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
7 G7 |# K! N. W; k於是投資銀行就去搵銀行抵押借錢投資, 打個比喻1蚊既野借10蚊
& q: A* ^; T8 _6 @% `- |個件物價係市場好既時候升, 例如15%先算,變左12蚊啦" Z9 |  u: m+ S+ H7 {# t
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
4 \. t: J0 y$ l; ]* `9 g4 o/ m7 k計番回報率就已經係50%,所以可以好好賺
& r' G8 v6 l8 |% B5 a% I前提係銀行之間要互相信任先可以咁樣借法/ [3 Z& G* Q- L6 E" P
同埋個市場既前境要係好先得
1 a9 _* r- r" d& h# y但當經濟一差,公司估值趺了,物價不升反趺% I& ^* y+ h* a* c. F, k7 A0 H+ C
例如剛才說10蚊的, 趺到得番9蚊,
  H( w4 r3 _$ Q咁投資銀行一下子就要還11蚊, 一來一回變左虧200%! T3 P* |7 C! S1 L1 [8 N( B0 D
所以你就會覺得D錢好似蒸發哂咁
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你都可以當標野咁諗, 個樣野多人可以狂升值, 5 k! D. h; z  _
但當冇人要既時候一蚊都唔值...中間D錢其實真係冇人話賺左~
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
9 t# L" W2 s7 j/ Y4 A7 U0 _1 ~+ [& i" y淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
: b  V$ K) p: I6 `! `4 ]9 f2 ]呢刻樓市爆, 原本冇錢買樓既, 又係問銀行借但又唔留錢供, 既然冇錢還比銀行
- W8 ]$ Z! i# s  y; J咁你話d錢蒸發左去邊?
原帖由 kuru 於 2008-10-12 05:08 PM 發表 http://www.26fun.com/bbs/images/common/back.gif
. [) d" Z$ D4 T7 V' k9 G唔係d錢蒸發, 而係比美國佬洗晒未來錢,
2 f( h) C9 h, V6 a淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, . R) R9 x7 N3 M. K! l
呢刻樓市爆, 原本冇錢買樓既, 又係問銀行借但又唔留錢供, 既然冇錢還比銀行
5 p- C2 _0 s2 o5 s咁你話d錢蒸發左去邊? ...
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) G  ]% g" Q7 ^1 X1 b正係咁樣* c8 K9 g! L  g* i& B& z; C
其實, 以個人立場去睇, 美國好多市民都唔怕銀行/財務/投資公司結業
! c2 D) r0 c. ^分分鐘佢地唔使還錢
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- U4 ~; U9 A3 M4 ^再講, 美國人先洗未來錢應該係世界第一, 唔知點解無錢都可以買咁車買樓,7 o) L  h# R2 i# _4 m% Z
連國家都係問人借, 不停發債券, 印鈔票
. B3 B/ n. K( O- q: o3 ~一個國家好少出口, 而又大量入口 ,反映到佢唔多生產8 C' z! W9 {, r. Z" C* R8 s, X
編編唔生產又使用物品使用得最多, 美國就係咁既情況
咁而家"爆哂煲"算唔算先至係變番"正常"???
原帖由 Jk 於 2008-10-22 02:15 AM 發表 http://www.26fun.com/bbs/images/common/back.gif" l1 y- V+ e4 E% }0 f9 D# F# j- t
咁而家"爆哂煲"算唔算先至係變番"正常"???
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9 T) t3 j/ c) C' v4 _其實係...6 L1 `' G6 n( s9 a
因為以前未生產, 先消費2 E8 h1 \/ h* ^" |& I/ [4 m
而家就要多生產, 少消費
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