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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
- ]! k8 {  P- {' P4 Z5 UWhy bank will sell 借據給第三者???
4 S) `& M5 D$ mI was so confused.....
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講到尾都係賺錢
# _$ H2 g" ?: v& q) {so銀行可以不斷放款
# \" a5 G9 i% S6 q美國的房貸問題散佈到全世界1 w0 B0 _+ P' L, Z; h

+ f/ ]( l) x  J* U8 Y/ F0 Qmortgage loan - e1 @! F" k! V& t
>conduit2 P; \/ u6 O* u" D' W0 q
>RMBS(Residential Mortgage Backed Securities)
! C7 k1 q) B) X7 O$ x>arranger
9 i' D& O5 ~2 F2 z9 V6 v$ j5 u>CDO(Collateralized Debt Obligation)
. L  d; |  q1 v6 d* F% c8 n0 z0 S最後去到投資者
i thought it is the reason of rate of return.1 \+ n2 X) z4 t! u1 }. W
CDs could have different ratings, AAA -> F,! I$ Y, ^$ S# V; |2 B7 |
more risky ones would have higher premium (interest rate) as a compensation for an investment.* B* ]$ q4 I+ ?5 U  `6 ~0 g/ }
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
6 K- m( ^: ?% I/ f6 a+ M) ^0 T8 Bin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
6 a, d7 H1 s9 Q5 b  \6 {4 W- O3 dAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
' q/ P+ B9 F6 J4 Dsimilar to bonds, CDs trading in the secondary market have different value at different times,, u* m' o+ i" @6 G5 {" R
normally the value is calculated by adding it's principle and interest.
/ M& b& y! A0 j4 A3 ?+ V* Xeg. the value of the mortgage+the interests to be recieved in the future. / E; n, c) F1 N' f* p' f& 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.) M* }/ `3 Q6 i8 e9 x6 a6 c
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im not quite sure if the multiplier effect does really matter in this case.) |' {: D4 S- g1 u- l# T
in stock market, it's the demand and supply pushing the price up/downwards." K0 h; K8 T) ]9 a
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,! ]0 Y; F% Y) r7 k
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction./ g: a% d% A+ B8 U5 ]
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. 6 E+ m- i* M9 X* a
but the value of their assets did really drop significantly.: e  ]: C+ C; f6 T
+ E. A) V/ s; u" {) S; C
[ 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  e+ @: n/ q# k7 ~% T  O
Refer to last example,% `, \9 N; Q! W2 ?* R  A" }1 P# M
that means bank A have no money because we borrow 10 dollars from bank A 9 h: ?  p5 j& c5 R4 i; H
Because bank A doesnt have enough cash on hand & F; [7 ~" T1 u% x# v9 s- G
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E. p+ O: o! I: t, I3 t( s" y
so does it mean if E failed to pay D, * E, w- _# k& h# M: s( t/ }& `0 F
all 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,
  N  n/ w% i* }0 B! nin this case it doesnt really matter how much money is created,
7 Y  L3 d0 i* n  Eit's the problem of the debt itself.5 O8 r3 h' a$ s1 K+ ?& H
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
, O8 P- B- |9 H9 J0 j% w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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9 j; y' Z7 ?5 R8 Y& i無可能淨係有人蝕錢無人賺架嘛...& M  g4 j: W0 R( C

+ A1 Z  C3 S- t$ f& ~% q/ I  l, Q敬請各師兄解答7 k: u: W/ L* L. S
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Thanks
! U) G7 ^+ q: x7 p; {5 O& `8 t那些根本係 紙上財富  6 X) n# S* v  v- W6 }$ I
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
/ z4 K" v: [' F4 m1 j6 C8 V2 I當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
9 \7 O. c8 q0 }7 p8 z. i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9 s; v) U7 S; D/ }
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
$ ?0 A/ }+ z1 V: Y- K扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
: A+ M; P6 V0 S0 d計番回報率就已經係50%,所以可以好好賺
! D7 S, z  L; e+ h前提係銀行之間要互相信任先可以咁樣借法
  S; ]- v. m; {3 m) @, K同埋個市場既前境要係好先得4 r( j# Y' ]* V9 m: q( Y1 P: H6 b* J
但當經濟一差,公司估值趺了,物價不升反趺: N3 c4 t0 y! @+ v) A, [  {2 h" }/ y
例如剛才說10蚊的, 趺到得番9蚊,
. ?7 U. S; T% x2 k- H咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
8 P+ m' h: r( h, U1 q6 m所以你就會覺得D錢好似蒸發哂咁$ {+ c3 h5 n$ N# b# N" j( p6 f

* G7 _, C/ u+ r: j7 p9 v你都可以當標野咁諗, 個樣野多人可以狂升值,
* j+ k4 }# @8 M4 g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,
- m; F8 b* c5 ^9 B* G淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 6 v% M, ?# j2 v, B& m! 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
* r% E1 K, n- l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
  c3 t! ^$ N! s7 v- l唔係d錢蒸發, 而係比美國佬洗晒未來錢, & X$ g6 E! d* g# P* ^; c
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 6 t7 Y) L3 s) |8 N6 a4 G4 c
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' j+ t3 M9 G- a咁你話d錢蒸發左去邊? ...
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正係咁樣
- r* H; V& a6 r% ~6 ~9 l4 R/ `$ 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
7 q2 ?! c! {8 g. q2 B% m+ A' a4 Z分分鐘佢地唔使還錢; o6 L) S, s( l0 c8 ^! ^% e. i

- y! w* }, T( }& {) s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,
8 \4 E- D$ |! w% {& U8 L連國家都係問人借, 不停發債券, 印鈔票
) |% I0 d  L5 B9 F$ u一個國家好少出口, 而又大量入口 ,反映到佢唔多生產: h+ \: g- k( ]- ~+ V
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.gif3 V* y& {2 m6 W1 _( Z4 K
咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...3 _+ v* }  \4 ^! L& B1 B1 C
因為以前未生產, 先消費- O5 b$ r6 Y9 D8 g" U
而家就要多生產, 少消費
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