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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.gif3 G' Z+ M: Y6 ^4 Z* J2 Z
Why bank will sell 借據給第三者???
7 h. ~0 a' l- q# J! e. z6 OI was so confused.....
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* p1 [. x" ]* j講到尾都係賺錢% o2 a0 J- g& {) w: p
so銀行可以不斷放款& ^6 m# J' z4 B6 A+ G$ O
美國的房貸問題散佈到全世界
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mortgage loan
5 O- F4 v! `: C* y9 S5 D4 J* A>conduit
% Y$ G) b8 w& d6 n! v' z>RMBS(Residential Mortgage Backed Securities)
& R/ [- ]* I6 z9 [2 \>arranger* {  P* Z3 q1 t4 `1 Y4 Q% |
>CDO(Collateralized Debt Obligation)9 i3 j0 T; G) W2 W4 {
最後去到投資者
i thought it is the reason of rate of return.
5 u3 P9 d" W; G1 @CDs could have different ratings, AAA -> F,4 ~$ {9 p4 {; n) t7 a: L
more risky ones would have higher premium (interest rate) as a compensation for an investment.  S' \& c( {) f) T& ?( J1 n0 q; K
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,, r$ X' z! j' a/ T6 n
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
, W% B' l" j1 k3 Y, LAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
( S! M% _4 S' osimilar to bonds, CDs trading in the secondary market have different value at different times,9 {6 x2 |' @6 b* v2 ^: [
normally the value is calculated by adding it's principle and interest. 1 {( z/ f) B4 N1 ^$ ?/ @3 I2 a2 Q
eg. the value of the mortgage+the interests to be recieved in the future. 1 a1 i! ]' [+ f, U
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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$ d, @6 a1 V* c! o* V5 aim not quite sure if the multiplier effect does really matter in this case.
3 q% g" i- F; B4 _6 v+ b/ S  b: Jin stock market, it's the demand and supply pushing the price up/downwards.
. \  z# W# P; I. K* DFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
  }4 K3 F/ s9 pA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.. I; M7 i, m3 F" i  l& c# n# }
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.
% d) e& X# i4 k8 h4 d1 c. gbut the value of their assets did really drop significantly.& }) z; P3 V. P% j
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[ 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
9 C. K( S" O2 N; {* {Refer to last example,
' A, T6 e  ?0 l: Rthat means bank A have no money because we borrow 10 dollars from bank A
* x8 G+ U% S9 K) F- F6 w$ `Because bank A doesnt have enough cash on hand 7 j# i7 d& q0 |- ?4 S5 K7 D3 }
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
6 P) E; ~8 ?2 b3 Zso does it mean if E failed to pay D, 3 k' ]/ P" ~% Y2 B2 `; O
all the B,C,D,E have to go bankrupt?
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" O) j. _/ H* O1 K8 P! O+ Ethe multiplier just tell how much money created in a whole economy, , n4 m% `9 D( c& V0 Z/ o
in this case it doesnt really matter how much money is created, : }5 u+ w+ i5 h2 i6 Y$ H8 {5 ~
it's the problem of the debt itself.# e2 T2 n0 f5 F' v2 H  r0 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+ e5 Q2 _3 E% k* j
小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?% e. t; L& M, K* |. {& `. z
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無可能淨係有人蝕錢無人賺架嘛..., \) o& i" x( l7 n' W% S# m
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敬請各師兄解答, ^. H) C7 {* h/ f- U$ f" B
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Thanks
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那些根本係 紙上財富  
: \- \* b' a( ~; K' O$ H3 A( ]9 ^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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; }0 H2 l" W' O/ B( H' qhttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產; @! C# E- r$ V+ |! {. e6 l( O
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
3 F9 |" g+ N) G- M) P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
7 o0 s/ D: {6 m7 y" z個件物價係市場好既時候升, 例如15%先算,變左12蚊啦: k/ P0 T7 ^7 o
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,3 s  ?% n$ v2 f* l9 S$ w, b7 z
計番回報率就已經係50%,所以可以好好賺2 I- e6 d+ z8 r: S+ p% O
前提係銀行之間要互相信任先可以咁樣借法0 h' \3 ^/ p0 b( Z# @2 i7 W1 @, N
同埋個市場既前境要係好先得
4 @& t" P% B$ H4 \6 A" l. X' H* U3 {但當經濟一差,公司估值趺了,物價不升反趺- L/ d- L1 [$ a1 c% r
例如剛才說10蚊的, 趺到得番9蚊, 0 Z5 |/ H7 W+ s( x' J
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
: e4 [6 Q- d: q所以你就會覺得D錢好似蒸發哂咁+ ~6 I: Q( F4 F' w& t
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你都可以當標野咁諗, 個樣野多人可以狂升值, # ~) @% G# |7 W7 h. f- Q  m
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,
  Q/ T) P% Y' L+ W% O& u1 i淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
$ e& E2 Q% j! V; t5 F! t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
  [& P$ o4 c, v5 [: l+ a& Z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
4 U/ V& _5 f( j, n* C唔係d錢蒸發, 而係比美國佬洗晒未來錢,
. ]* z' v. N6 ^' _淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, + h! H% q3 j: G: 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, I- K/ M$ ]7 n; t2 h0 N3 y
咁你話d錢蒸發左去邊? ...
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1 M7 y9 ~+ J# r. w6 R( \/ P% t正係咁樣( W. x* e' i- w0 k' 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
9 H7 \  X& l9 C0 Q分分鐘佢地唔使還錢* P: r3 G; R9 ]$ T; a9 s

9 P. P0 M8 E6 j0 M0 ?2 t( \: t# z2 h' w/ h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,' n  y4 c- g7 Y) |% J3 T7 T, ^
連國家都係問人借, 不停發債券, 印鈔票; R) S* u2 F9 x, I; w8 @' a8 X  ~
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產4 q3 I/ H% q0 z1 Z) i) ^2 ^" Z
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
: |, o1 T4 i% t' E  x! L# c咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...- H) v1 J7 w( y8 u. H; j
因為以前未生產, 先消費
' r* o& q! u) b6 g! S7 D+ x而家就要多生產, 少消費
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