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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.gif6 x: u- C5 ~3 {4 Z
Why bank will sell 借據給第三者???% a* `, Y& O4 W. W! m/ l: d
I was so confused.....
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$ ^% ~: ~, g! P+ V/ C/ q9 f講到尾都係賺錢
1 R9 [) M8 J! J0 U5 @0 pso銀行可以不斷放款
& N4 D; a6 t, I" _' H5 p美國的房貸問題散佈到全世界2 o2 F& L, U$ [8 n2 w1 w  W

0 [' e0 k" B, z  e, ~5 z0 H' imortgage loan
! P; b. V, s+ a% D>conduit. l! W6 i1 P& Z4 _0 p9 q) e! Q  d5 P
>RMBS(Residential Mortgage Backed Securities). E2 E( r5 ^3 V. k
>arranger$ S# w. U4 N7 Y, `; |9 n
>CDO(Collateralized Debt Obligation)2 q2 N7 N1 n$ Y; U$ H0 {* c; w
最後去到投資者
i thought it is the reason of rate of return./ L  s& Z& B6 i/ v
CDs could have different ratings, AAA -> F,
0 w+ q# v/ ^, q3 \" }: p! @more risky ones would have higher premium (interest rate) as a compensation for an investment.
/ H) A8 e- s3 k# l' i9 Gmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
# Y8 e# \# R9 S* ein other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.7 ^) L6 @" O- U5 R8 a$ o# P
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.! J" \; |6 O: a
similar to bonds, CDs trading in the secondary market have different value at different times,5 j3 ~) u) f! g1 k7 e$ E5 R
normally the value is calculated by adding it's principle and interest.
& }( v) i- c0 [4 r" K6 ueg. the value of the mortgage+the interests to be recieved in the future.
) ~: \) S- r8 fbanks 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.; n6 h% W( J& P
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im not quite sure if the multiplier effect does really matter in this case.
5 \) j4 t! u+ n) xin stock market, it's the demand and supply pushing the price up/downwards.
2 J4 ^5 p4 t) e: j' ^1 wFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,1 q, M5 l" a$ A, ^" Q2 [) _
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.* a. w2 a( L) q: ~, I
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.
+ q1 i8 H5 W2 |0 G6 ]but the value of their assets did really drop significantly.
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/ P( O3 t) O2 S$ g8 c  o! o[ 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
, W! }- r5 X1 A7 b" SRefer to last example,
9 }* n0 u9 d; i# ?% Ythat means bank A have no money because we borrow 10 dollars from bank A
! {2 ^( e6 w4 A( f, aBecause bank A doesnt have enough cash on hand
; ?2 H$ p6 O" Y( H" [$ \therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E# K1 E" K/ M# V5 W! Q% w
so does it mean if E failed to pay D, 8 `0 a' {$ C+ b5 w, k$ P
all the B,C,D,E have to go bankrupt?4 A( V. ~+ @+ ~) T1 i0 H  l

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9 |6 ~; Y$ H$ Y) G  _& E1 Vthe multiplier just tell how much money created in a whole economy, " a' p: @0 ?, T8 v% O5 S
in this case it doesnt really matter how much money is created,
1 e# z8 o9 {5 U8 y7 Z7 ^# zit's the problem of the debt itself.
0 K5 K# U* x5 c6 v2 }- b0 Z' Cthe 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
$ p7 K- H; @! T! t$ n小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?
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無可能淨係有人蝕錢無人賺架嘛...3 V0 J/ _1 C! j% V5 Q% r

9 h7 C6 [5 W4 s' V9 O: t敬請各師兄解答: A' ]3 l8 q% h" Y, {
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Thanks
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那些根本係 紙上財富  ; g" Y: Y0 l/ X* D! M
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* {3 a, n# t- f( d( k

( o  W. O5 C/ U% n/ s2 Ehttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產3 P" K: O" W0 t
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
% F# g& L* N! m  F5 U8 U9 E( t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0 z) L& v: Y1 M/ i+ ~: N7 f; T
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
' m) t# V4 Z- h! K( I扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,' c+ W: l- x$ W
計番回報率就已經係50%,所以可以好好賺9 g& w3 V* y. X! m
前提係銀行之間要互相信任先可以咁樣借法
( ^/ I6 G1 |- {/ O" A: [同埋個市場既前境要係好先得
8 c3 i8 w% G; S# _' ]但當經濟一差,公司估值趺了,物價不升反趺" N9 O0 p& u) U  F( |3 a8 v+ P
例如剛才說10蚊的, 趺到得番9蚊,
; y0 g$ I0 z- x7 ~, s5 K  H咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
5 B1 k, p3 }: d2 C9 f4 G  |7 i; |7 B% Y所以你就會覺得D錢好似蒸發哂咁, S( K" t  z7 w* S) X
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你都可以當標野咁諗, 個樣野多人可以狂升值,
4 o* Y/ {* A, Q0 `* `6 P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, & ~4 I$ e4 N2 x1 m
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 8 j0 V: d, E+ C7 f
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/ K* v$ E6 G+ a( r
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
) I7 n5 u7 J0 V+ l唔係d錢蒸發, 而係比美國佬洗晒未來錢,
) `6 T8 i& B2 E9 G5 H' c淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
8 I7 L8 O# s/ o' e0 j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4 x2 c% R. G/ v
咁你話d錢蒸發左去邊? ...
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正係咁樣
" R& @$ y2 L3 w% X; w) E0 Y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
- h9 L8 t  W4 L2 [+ S0 ^' t分分鐘佢地唔使還錢! |8 q0 b4 _6 h8 p) Y" J
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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,, ~5 J( j3 k$ z$ S
連國家都係問人借, 不停發債券, 印鈔票% L8 U# ?& ~% ], w) w! K1 T% Q
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產" ]* F) J' J( a8 c5 L3 p
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. x9 L6 u6 w( D4 {, t# }
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
6 e  w3 i% P1 d$ f因為以前未生產, 先消費0 Z! }4 G' w7 {& K8 V$ l7 \# [
而家就要多生產, 少消費
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