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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! ^! W- E9 }1 @+ x$ c3 l
Why bank will sell 借據給第三者???* e0 J$ ]" f/ G) [2 X
I was so confused.....
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3 Q. u* c) Y  v6 e講到尾都係賺錢; a- W. ~. y) x, H, y+ `1 \: G2 r
so銀行可以不斷放款4 @3 ]6 U# c7 ^" v$ x: M
美國的房貸問題散佈到全世界
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mortgage loan : L6 t* @. k+ n7 U' [2 A1 a( I
>conduit7 H4 G( t5 }1 I* s( P6 B& W
>RMBS(Residential Mortgage Backed Securities)" J8 g8 N  l6 _1 ~, c* a  L/ y! L
>arranger
# N  B7 B! P% X" j, Z>CDO(Collateralized Debt Obligation)
2 _" y" y" H2 n3 t3 w最後去到投資者
i thought it is the reason of rate of return.
4 {( t5 u3 y* u5 t, oCDs could have different ratings, AAA -> F,
. I; J7 j( P* \0 ~more risky ones would have higher premium (interest rate) as a compensation for an investment.
7 P$ K2 ~: N0 E7 u( E$ Q3 qmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
) {5 i& L  I, D) u7 m) Y+ Y9 |in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.. c" o, |0 e/ V. t& k
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.4 D$ b# f2 L7 w- f: T; U% v: K4 a
similar to bonds, CDs trading in the secondary market have different value at different times,/ u' p+ q3 f  i
normally the value is calculated by adding it's principle and interest.
# ~5 |& l0 s, m) @# P& D' Ceg. the value of the mortgage+the interests to be recieved in the future. ' }$ |, \5 S7 W. B
banks 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.
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) k5 N5 b1 f% P, iim not quite sure if the multiplier effect does really matter in this case.& I( V9 w$ f8 R7 [8 D( V7 l9 E& L' `  X, W
in stock market, it's the demand and supply pushing the price up/downwards.8 c+ z& M' {2 g9 a8 s" s, j# f5 [3 }
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,1 `* @: ]8 Y' j( ]
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.& o' }: ]8 e. \; W2 c* n. t5 Q
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. 2 t* k7 |! @/ o/ c
but the value of their assets did really drop significantly.$ f. D! c2 w5 i7 h

8 `0 v' w& P3 @$ U* y[ 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
0 |( P$ H2 L; O# l3 p! `1 U% n. rRefer to last example,
- L9 o: s( H7 T1 J9 Z. ythat means bank A have no money because we borrow 10 dollars from bank A ) J, o( w, d; r* V
Because bank A doesnt have enough cash on hand   u( Z1 n/ t8 h& x% P
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E: f% x& b9 k* Z# G* {# c0 n
so does it mean if E failed to pay D, 4 @' Q. Z  n. v- i2 |+ P
all the B,C,D,E have to go bankrupt?2 z( F  G" E: r0 g* v4 W2 {& \
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the multiplier just tell how much money created in a whole economy, 6 T' K7 P% p$ G1 m; n# N
in this case it doesnt really matter how much money is created,
# R$ [/ V) r: Bit's the problem of the debt itself.# P" O. i% B% p2 g5 G4 u5 K4 t
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
9 N7 h' Q: _4 c" b* V! J, u小弟一直都唔明...( F1 M6 I. s  M; J% S& q

5 |/ I! q; ~. i$ |- U( _% R全世界都蝕錢,咁邊個賺緊錢呢?; m* L" S# s6 g% {; j' [5 Y  J

% T( }' F8 Q6 B1 t4 Z無可能淨係有人蝕錢無人賺架嘛.../ _( z/ b% o# Q; U: t; Y

% o4 S7 i, ^$ R' s6 c+ [, i" ?" N敬請各師兄解答
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" j) s" N4 \% I  ^! ?! j9 B0 WThanks
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那些根本係 紙上財富  * k0 v& U& N9 J* ^9 p  D/ j
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 graphic
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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
# M8 d+ E9 r- @0 D當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
3 d; F4 m5 t7 [, r# V8 u3 F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$ c- ^8 t: Q! E' v
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦7 _+ z$ J1 G! |
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,4 x0 b% R' U% e1 ~2 \7 m' ^
計番回報率就已經係50%,所以可以好好賺. ]' a( ^: P8 |' K& ^! r
前提係銀行之間要互相信任先可以咁樣借法; X  P4 ~/ |/ W2 k' f9 ^1 z" n
同埋個市場既前境要係好先得
/ s+ p7 i& m- c0 M+ W但當經濟一差,公司估值趺了,物價不升反趺# P& R# e, h- t% q4 g, B
例如剛才說10蚊的, 趺到得番9蚊, 0 Y: T3 w  X/ Y
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
* X! ^# t" n$ a* }6 g/ r5 F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, " {  ]/ l9 ?. a! Z' w6 m  y( r
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, 8 H2 [. P: G5 ?6 z0 O
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ( A& b$ h/ Q" T2 l. M/ {0 ^
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
: v- ]6 ]) I& w; [  ^$ N* Y: l5 h6 s# ^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
1 a  {1 z3 Z! e唔係d錢蒸發, 而係比美國佬洗晒未來錢, " x' S' }& X. g  A! _" |1 U( w
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
1 R; ]" Z# V% S4 @. K$ l) k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, v2 a1 l  w1 D3 w
咁你話d錢蒸發左去邊? ...
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正係咁樣
2 G# Z& K6 g! b1 w" s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
8 U, k) @, {5 P# L6 T分分鐘佢地唔使還錢
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4 i9 Q$ |( ^# W2 }% e/ ]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,
9 v- t& p' y* T! W2 e+ X( E連國家都係問人借, 不停發債券, 印鈔票4 Q  B, K9 i4 l: Z# X* d
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
5 n9 b' @5 l- e& N5 k/ b5 Y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
2 E# Q+ E" U$ K* Q; d9 V5 G: W5 n咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...3 R4 x0 g# k- b, O
因為以前未生產, 先消費9 j+ s) U7 V) T$ L- h0 [7 ^
而家就要多生產, 少消費
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