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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
- @- b9 J- I% q  B+ h+ I, {Why bank will sell 借據給第三者???
* M' d3 ]% h; T+ tI was so confused.....
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講到尾都係賺錢
1 y# j2 V; ^. v% ]8 q8 Sso銀行可以不斷放款2 |: R0 }( F: n/ c4 D" U; d
美國的房貸問題散佈到全世界
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mortgage loan 7 X- A; v1 R8 g' G2 ^- Z% k
>conduit
2 ]6 l5 Y/ p. w& @>RMBS(Residential Mortgage Backed Securities)! ^$ S  u8 t7 m
>arranger7 w1 q3 u1 n! _9 t
>CDO(Collateralized Debt Obligation)  |! b- M. w5 ^6 w
最後去到投資者
i thought it is the reason of rate of return.- M4 R0 W+ N+ D  j
CDs could have different ratings, AAA -> F,
; W$ \6 R4 K  U" M6 p3 \more risky ones would have higher premium (interest rate) as a compensation for an investment.
" _1 b5 K$ Q; C$ ^. [main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
: t4 L' b& e% a: ~$ E2 c8 Vin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.3 Z, M/ t* ?- {+ @' X' Z: S
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
% E4 E3 L0 P3 ^similar to bonds, CDs trading in the secondary market have different value at different times,+ k0 B* H" h& e2 _: Y6 d5 n
normally the value is calculated by adding it's principle and interest. ; O- Y* Z4 K/ ?. ?; n
eg. the value of the mortgage+the interests to be recieved in the future.
) v9 h3 F3 c! e, V& 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.7 K) @& J: P  G3 ]9 v3 J

6 H$ U7 ~; M$ N; W" i# G9 Zim not quite sure if the multiplier effect does really matter in this case.( g& s7 U1 b/ ]' _  d7 W
in stock market, it's the demand and supply pushing the price up/downwards.; j8 l& W: [3 S3 @1 s
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
  E3 v/ `1 l& x" U/ p4 M( O6 @! y; }A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
* {: ^3 ~# k& mThe 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.
9 ?9 K8 y# h7 _/ I0 S2 qbut the value of their assets did really drop significantly.5 }, m3 ?; h' r, B- e3 }

& I' ~; P- K, \$ h2 P: g8 F[ 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
  L2 ~3 f4 G( ]: ?Refer to last example,
; [+ W4 i1 x8 c& v4 s- L. uthat means bank A have no money because we borrow 10 dollars from bank A
, f1 B6 C& W# B! {! i0 D1 Y7 ~Because bank A doesnt have enough cash on hand 9 i# j5 E& U0 g# S7 T2 b
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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0 k, I: I+ [) K/ F0 ^A->B->C->D->E
$ B  j, g% \) B; Lso does it mean if E failed to pay D, 2 Z1 h2 i- U; b. S* X
all the B,C,D,E have to go bankrupt?
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$ t0 m, R* l7 r  ithe multiplier just tell how much money created in a whole economy,
$ ?6 X2 t" G, `3 r( j2 J2 Min this case it doesnt really matter how much money is created, 3 k+ B) e4 J8 P
it's the problem of the debt itself.) i6 q% m% W5 ~# U
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) k% h4 ~! I) H$ _
小弟一直都唔明...2 H( N, P- `( I% z2 [
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全世界都蝕錢,咁邊個賺緊錢呢?5 U% b. h$ j6 _4 g# ?' ]
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無可能淨係有人蝕錢無人賺架嘛...  w9 {9 D* w/ x# P1 h$ O
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敬請各師兄解答* P8 W+ W! G  f

  G) y, F3 v2 V) pThanks
6 q" K4 y' o5 x! Q3 w! f那些根本係 紙上財富  8 l' R* C9 Z2 `" d+ b
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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# d) e1 W: q/ q" `5 `2 `2 Ehttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
( G0 O7 R$ @' ], I0 r6 q當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
7 [( [! Y4 o: v4 y* B2 w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
+ A; ], e6 ~- M5 P個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
$ j) c; v% `3 z; F/ a) O扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
* Z4 ]7 k1 ^* g' Q: s* e計番回報率就已經係50%,所以可以好好賺! i( P3 ?" W9 }4 O4 \" s) n( o2 F- }: R
前提係銀行之間要互相信任先可以咁樣借法
$ L7 s8 v; v4 N2 ^; W+ D7 o同埋個市場既前境要係好先得
3 h" ?3 U6 Q/ R' U8 [; n5 F但當經濟一差,公司估值趺了,物價不升反趺
: {6 m. k, C+ C; q例如剛才說10蚊的, 趺到得番9蚊, . p( \! w9 U6 x" ?0 H& r
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%9 y, T* r8 |( F" C  B
所以你就會覺得D錢好似蒸發哂咁
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. g" O+ V# J4 h你都可以當標野咁諗, 個樣野多人可以狂升值, ; G  S! E& M" c
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,
0 m2 l3 X* k0 r$ L: @淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, ! K, g9 B0 m: q( }
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0 i! d( y# L. b1 i" r5 A  r, K! y
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
: N9 q+ L9 J3 \唔係d錢蒸發, 而係比美國佬洗晒未來錢, 9 d$ {9 _/ s/ Y: p* \: u1 I* c
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, & Z8 W) v1 X: {, D
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0 G* I+ ]. \3 p; `
咁你話d錢蒸發左去邊? ...
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5 J0 J2 I: w; b正係咁樣+ b0 M: [) N- J7 h
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
% q; ^+ s# w% X8 P' e$ }分分鐘佢地唔使還錢# u( H% g$ o# K
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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,+ h3 I8 f) [9 f( [  t) a$ g: U
連國家都係問人借, 不停發債券, 印鈔票( X3 W' Q; z1 E
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
4 M  A* d, w! w7 l( c( K, }' h+ A2 W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
! ^$ r" F" T7 t, ~咁而家"爆哂煲"算唔算先至係變番"正常"???
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; U. [6 b5 m- J- b1 y# p其實係...- b8 O. T3 e5 P* c0 |) U
因為以前未生產, 先消費
2 d$ y: o8 r$ F9 I# \5 s而家就要多生產, 少消費
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