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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
& n$ l  w$ p0 }8 J/ b+ X* ^+ XWhy bank will sell 借據給第三者???4 `/ s- O) E5 p. s& K0 X6 i
I was so confused.....
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4 a2 X# ^) ^8 _: r0 O, w4 G講到尾都係賺錢
9 v* }4 j: V2 S0 K( o7 ^so銀行可以不斷放款
7 Y* G  k. g* |  \; A' F0 p美國的房貸問題散佈到全世界
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) T- B6 m/ N; y/ Y' J8 G. Qmortgage loan
6 E( N. c3 e, L, C& K0 E% I- C>conduit
0 D8 |; H& }" H# @  ~>RMBS(Residential Mortgage Backed Securities)4 M7 F) E6 p7 _
>arranger
7 ?/ Y5 R  W$ t- o>CDO(Collateralized Debt Obligation)2 |/ ^* W5 F( o3 X% B4 ^( i( i- e0 p
最後去到投資者
i thought it is the reason of rate of return.4 ^+ O% i! f, D, n; S7 H
CDs could have different ratings, AAA -> F,
$ P9 V0 s4 [5 h7 Imore risky ones would have higher premium (interest rate) as a compensation for an investment.
7 m5 ~8 {4 G* `7 f, q  Hmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
9 y" h! e% ?, s/ |in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.. P$ p8 U9 _% s! k' V
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
' _' a; [4 J# x  s0 r/ [similar to bonds, CDs trading in the secondary market have different value at different times,
! B$ }9 }8 q( `/ Z, snormally the value is calculated by adding it's principle and interest. " G3 M4 |* Q* _# s& s  r7 a
eg. the value of the mortgage+the interests to be recieved in the future.
. H* }" P: u0 ]& Q9 G# E  Cbanks 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.  ]/ @; E7 Y& P. W; e5 R+ L
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im not quite sure if the multiplier effect does really matter in this case." L6 }% O9 ], S) w" F# S& }
in stock market, it's the demand and supply pushing the price up/downwards.2 w" V4 g: ]# X9 b+ {
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,+ G1 U( s8 [) b7 D, i/ ~$ r
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.$ N4 d9 a  e& s$ w
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.
  P1 w+ p6 ], q1 W5 lbut the value of their assets did really drop significantly.
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8 A  S. G9 `4 Z: q[ 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
# }2 _( D2 H  W8 U. ]+ yRefer to last example,' w$ S/ H! T8 _* G  s- r
that means bank A have no money because we borrow 10 dollars from bank A ' A- h+ G$ |, C: G) [/ z1 k
Because bank A doesnt have enough cash on hand 4 _8 G6 [' f0 ~
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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. T, @. R( _+ |& P- X; bA->B->C->D->E9 ?9 v' |6 j0 N- y% v/ M; d
so does it mean if E failed to pay D,
- M4 H* u! U+ K4 K5 D- C- S/ h- @6 Mall the B,C,D,E have to go bankrupt?
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the multiplier just tell how much money created in a whole economy, . X% _) J0 P5 _
in this case it doesnt really matter how much money is created,
; i$ R1 l3 j: A0 H! E0 }it's the problem of the debt itself.7 Z: ]$ h" n# B8 j  d6 S1 g
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.gif8 u* o0 f* v8 O, [0 @
小弟一直都唔明...5 m0 k! _/ Y, q  t$ k; W8 J2 k

, u" M, H4 m% \; X+ n8 H+ ?全世界都蝕錢,咁邊個賺緊錢呢?
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/ B4 Z- v' Z9 h3 e& l8 `9 ?無可能淨係有人蝕錢無人賺架嘛...
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敬請各師兄解答9 j1 \5 Y5 K9 B# y- P  J  U5 M6 q

9 l, r0 b$ x1 f  B5 NThanks
- W" @( ~% q1 w那些根本係 紙上財富  
' I+ I1 Y7 U- e; P* S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 d; k6 C- G( z% |http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產
- V+ @3 m& l4 N1 h當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
: }, Y( V( a7 U# g) P! l% U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# e8 k3 I+ n! I  B4 m
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
( a' u  z/ a+ ?2 m" M+ {) ]0 r扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
7 @% `6 }6 I1 @+ F計番回報率就已經係50%,所以可以好好賺
4 A/ j' Z( T# X5 |" b$ x前提係銀行之間要互相信任先可以咁樣借法# O# w( n8 j* ]  f, c
同埋個市場既前境要係好先得
- S5 P- [) [% e7 \但當經濟一差,公司估值趺了,物價不升反趺
- ?, K! o6 Y( X' P1 X例如剛才說10蚊的, 趺到得番9蚊,
' d3 z9 G6 N' g: u4 E0 A7 B. v4 D咁投資銀行一下子就要還11蚊, 一來一回變左虧200%, b! n4 X8 a1 e& U" I. o% j. U  {
所以你就會覺得D錢好似蒸發哂咁2 T9 L5 @, a8 x& q. X5 Z

/ j4 a0 x' B: U* U, ^* A$ F% s/ @% q你都可以當標野咁諗, 個樣野多人可以狂升值, ; Y) P/ i0 q* V0 b% ?# u
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& ^( Q7 k2 o# k* [! u淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
! b( C1 x0 ^  q+ y' l2 \* ]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) H& Y- K, Y' T% f! N
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.gif7 n! E/ x9 ^5 `7 B
唔係d錢蒸發, 而係比美國佬洗晒未來錢, # y0 G: F: H1 F8 F" h6 c& D. }9 L/ z
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
* K: J7 ]6 i4 D$ [, e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
" X7 A% Y* _3 |0 l咁你話d錢蒸發左去邊? ...
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正係咁樣. M0 M" B0 K: R2 A4 D) n
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
; c4 @' O7 X& L5 E2 V分分鐘佢地唔使還錢& }0 Q7 l& N. _. ^0 [/ A9 {1 g
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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,
9 y! ~2 `1 k3 j0 \) N" w& g' ^連國家都係問人借, 不停發債券, 印鈔票6 ^: t) V5 @" |" ^4 P: R: p9 n
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
( M6 r3 l3 S, Z; f4 W2 @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
' F& ]% `0 K6 C& S; l: e咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
7 m  G* ~* O! S$ Z* A$ G因為以前未生產, 先消費
, x* |* J' f+ |而家就要多生產, 少消費
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