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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: h1 I  s) I; ^: x
Why bank will sell 借據給第三者???: N' Q; V  o/ F+ H" |* C9 V
I was so confused.....
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講到尾都係賺錢0 {* {% }: r- f7 t. D
so銀行可以不斷放款
" V5 t/ [# x  ?' J  \3 i. w  f美國的房貸問題散佈到全世界
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mortgage loan
2 `1 s3 _* _, `1 L" L- L>conduit6 h" v3 m# ~5 P) A: N) B( E: N9 }7 V
>RMBS(Residential Mortgage Backed Securities)9 x4 v' G& o# h8 r- X
>arranger" j1 K* S2 D, p
>CDO(Collateralized Debt Obligation)
3 W/ Y' _+ y$ o+ B最後去到投資者
i thought it is the reason of rate of return.; n4 [5 L" b; ]' I$ S- E
CDs could have different ratings, AAA -> F,9 ]+ ^" v8 |9 }' z, r* q
more risky ones would have higher premium (interest rate) as a compensation for an investment.
  m; d% ~9 B0 F& v7 n: jmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,( L  T4 E$ ^% l, |
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.7 y- c- P) n2 R. @. o
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.9 z& L# N+ ~) U; w6 q  J: F: [1 L0 \# O
similar to bonds, CDs trading in the secondary market have different value at different times,
) t* c7 J, B" k4 u* q% wnormally the value is calculated by adding it's principle and interest.
" s: {$ R- N6 |: h! t4 beg. the value of the mortgage+the interests to be recieved in the future.
5 R5 _, L. [8 n/ Q' r% 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.& l/ I' Z& I3 k+ f$ b

$ f9 y& v" _6 n0 r' C/ Xim not quite sure if the multiplier effect does really matter in this case.' `$ d* L: s5 C- B  y2 a
in stock market, it's the demand and supply pushing the price up/downwards.
* B: \) l. Z6 s7 g4 z: a0 QFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,3 ]" K2 @5 E7 x( v, F; _9 L. v
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
* g# g/ `% e- R( S0 B8 s! ~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. + z9 ]  o8 C. ~4 H
but the value of their assets did really drop significantly.
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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
0 p. O' i. W3 t' e& x$ rRefer to last example,
: M8 A3 Q" W- W! n1 V) Gthat means bank A have no money because we borrow 10 dollars from bank A 7 P% G6 h# w, y7 S; y0 ]( L) H
Because bank A doesnt have enough cash on hand
; `( Y& d5 {0 f" Gtherefore bank A need to be bankrrupt ??? Am I right ?? ...
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2 r8 z; O* t5 @2 v- Q1 `' LA->B->C->D->E) G8 y/ H1 ^" C& \
so does it mean if E failed to pay D, / V0 B4 A: V/ U+ O8 f5 Z. ~4 R
all the B,C,D,E have to go bankrupt?' y" P0 Y& U; d. p2 T: j

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the multiplier just tell how much money created in a whole economy, 4 K. A* T! r) P/ o( x  }: n
in this case it doesnt really matter how much money is created, ; h- s& t) o" k  H
it's the problem of the debt itself.
9 @/ s; {: [0 C9 Z+ O0 q8 `6 d" Ythe 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
8 ?( A+ ^; H8 P5 |小弟一直都唔明...+ m: v+ j) h. V- c2 ~/ Y! A
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全世界都蝕錢,咁邊個賺緊錢呢?1 G$ [6 [( ?* O2 ]) E% {) L

: M" U4 v1 ?3 e' v& Y% h: Q8 Y0 e無可能淨係有人蝕錢無人賺架嘛...5 C: C2 k" u$ _( V# R
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敬請各師兄解答4 ^- J5 S9 v$ d

& D$ t* z- m7 E4 IThanks
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那些根本係 紙上財富  
2 ^) A& o0 f7 V0 l) i4 }- v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 graphic1 m2 W2 g$ F+ w- j6 ?0 }. j, o
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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
5 v) J) ?1 l1 W$ R5 g當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
+ V2 N+ 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
6 I4 S' K9 i- O$ I3 e& l個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
8 B7 M9 f  s- h4 A5 Q+ z0 g( I9 j扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,8 M0 d8 }1 ^9 W* B- S
計番回報率就已經係50%,所以可以好好賺
3 A+ G# Z3 Z. d2 p; \! d! m2 i! M前提係銀行之間要互相信任先可以咁樣借法3 Q+ d$ s2 C3 G/ D; f9 n" ]: ^
同埋個市場既前境要係好先得  a$ X, _  s/ C# z) A4 K
但當經濟一差,公司估值趺了,物價不升反趺" t4 Q  @, w* L  y: J3 m1 K
例如剛才說10蚊的, 趺到得番9蚊, / B2 @7 F* {! ~
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
0 a% p* q% }2 K' A所以你就會覺得D錢好似蒸發哂咁0 Z. V5 T/ H" X. P& i0 G. ?, t
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你都可以當標野咁諗, 個樣野多人可以狂升值, 9 O. j  v4 J# t
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,
7 Q0 t9 |( {$ n; E" K淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 3 R0 `3 E& w, J; r2 g5 h
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
3 F* J+ m6 T. o, D& p/ s5 [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
$ P$ F2 U+ r/ z9 ^: q2 N' {" l唔係d錢蒸發, 而係比美國佬洗晒未來錢, . W7 x! Q( {7 G7 m8 x4 }7 [
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
& [+ K% R( _' v* |% N( {; 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
' w& r+ _3 f8 t+ J6 E6 l咁你話d錢蒸發左去邊? ...
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正係咁樣* d1 ?1 K2 W$ ]3 B0 S& d
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) j4 R, ~, t. b- U2 U0 Q% q: ~# I
分分鐘佢地唔使還錢
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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,+ w# G! C9 n) b5 q
連國家都係問人借, 不停發債券, 印鈔票! n( Z* R- S+ a0 l, C9 b
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
, S& O, @. a  j% a! v1 u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
9 E# ~7 p$ v$ v  F  E( F3 V- V# I咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...
' U+ F* J0 ?2 a因為以前未生產, 先消費
* Q& P' a) s1 E+ |6 e* u) ^% M& J而家就要多生產, 少消費
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