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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: B$ x- K: K+ v4 c
Why bank will sell 借據給第三者???1 U$ R& s. a+ Q( k: f5 v" r* w+ S
I was so confused.....
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講到尾都係賺錢
+ e" F. ^6 E! Z6 t7 J+ t7 [so銀行可以不斷放款' W% m8 T+ N% |, u  V- b* J
美國的房貸問題散佈到全世界# ]& R0 i! r" H2 ?. h

4 Q) F* D7 }9 f8 v3 W( Qmortgage loan $ @" n2 T3 z$ L- {, N
>conduit. V- R$ c7 r' @3 P( ^1 n* K! J# x
>RMBS(Residential Mortgage Backed Securities). v! t' R& ]: [" X
>arranger; A" M$ q. P6 ?4 ~
>CDO(Collateralized Debt Obligation), e& X) k# f( h
最後去到投資者
i thought it is the reason of rate of return.# @6 f2 I6 z" w. a: Z' I
CDs could have different ratings, AAA -> F,
8 Y' W+ {, n2 kmore risky ones would have higher premium (interest rate) as a compensation for an investment.
9 K' H; p, f$ Q# B/ Qmain reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
7 x6 k* _$ c! }+ Z! yin other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities., u/ j2 g3 ~) R0 l6 `
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.+ {( z, L; B4 d0 e
similar to bonds, CDs trading in the secondary market have different value at different times," L# @. p4 w# Y* I$ c
normally the value is calculated by adding it's principle and interest.
$ q4 w' b2 J3 t9 d: aeg. the value of the mortgage+the interests to be recieved in the future.
3 ~  U( q9 s7 S0 }6 S9 kbanks 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.$ r! N, A7 p  X
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im not quite sure if the multiplier effect does really matter in this case.
+ q9 ~  i& t7 d0 K- Ein stock market, it's the demand and supply pushing the price up/downwards.
) X; {6 p9 N  c" L( Y0 _+ R" tFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
" a: I) f  w! F2 i- y; d' e# SA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.* }7 K3 s1 W  o8 J. l  P3 c
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.
+ X4 O* R2 J, d+ u9 |, gbut the value of their assets did really drop significantly.7 K4 Z' W$ h6 l: ^& i
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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
6 Z' j+ ^7 \5 l9 ^! sRefer to last example,3 t3 {8 c/ @+ n0 N4 x7 Z0 `
that means bank A have no money because we borrow 10 dollars from bank A - y+ o$ y+ Y( h1 T
Because bank A doesnt have enough cash on hand 4 _- o; J. A7 b' Q  e: R" S9 d
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E  \( Y3 k3 ?0 p! F! [
so does it mean if E failed to pay D, * c# [$ C" G8 J( B; q
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,
2 q3 y( Y0 p0 b: d; Ein this case it doesnt really matter how much money is created,
8 k6 {+ }9 m& h  q! U! Pit's the problem of the debt itself.
/ E& h5 |/ u) q0 I/ |( Jthe 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
$ j2 q6 D* W& W6 i/ b小弟一直都唔明...4 t3 z4 B6 M" ~: e& |

$ v7 y# R. ?- R  \全世界都蝕錢,咁邊個賺緊錢呢?: f: B3 B5 D5 H+ \# T7 t& q; D, ~

/ n/ t% _$ V" @6 J0 a7 r$ R( W無可能淨係有人蝕錢無人賺架嘛.../ F2 u4 R( i0 \; T: n
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敬請各師兄解答: k2 G( W8 v1 \" v5 M

6 |) m: Z! Y0 R6 D: O" _5 kThanks
8 J0 O" V% I+ b4 a8 D那些根本係 紙上財富  # G4 l" m( B7 L3 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  T) m- e, F+ v
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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
; N0 B+ f$ v2 r: [當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
( N+ A! ?/ W% ^. ~( s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; [5 Z$ |3 k5 Z# ?' m4 D2 `5 |
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
9 d& Q6 V8 x* H# D扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
( n$ w, p9 D  T  \/ w9 g' k計番回報率就已經係50%,所以可以好好賺
# y8 x1 @: E. u% `' m( H前提係銀行之間要互相信任先可以咁樣借法) _' j" d; Q4 w( c4 t. V7 u+ j
同埋個市場既前境要係好先得
. u, e+ N) z( }% F5 @5 \2 s/ l但當經濟一差,公司估值趺了,物價不升反趺
2 B( J5 [3 r1 ]' p2 j7 h) W" F例如剛才說10蚊的, 趺到得番9蚊, " @8 S8 p. l6 X/ Z# Y/ q6 T
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
: X0 s) l( b1 b! Z. K* o8 C" _所以你就會覺得D錢好似蒸發哂咁/ u8 }& K! Z6 N$ R$ i
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你都可以當標野咁諗, 個樣野多人可以狂升值,
7 X, R8 L' [5 S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,
3 u4 @, S% Y8 t' f, `淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
0 W8 w7 R# q6 X7 G6 j! _5 X' }# b7 z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 K: A5 ]/ c3 d6 ^  S+ h0 k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.gif4 K; V: i5 n2 F  \- Z$ Y7 ?; u) p
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
% r2 P4 K$ b8 A4 }0 g+ c8 S淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
) f8 v& b7 n) ]& ?3 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
- \  K6 X, E! n0 @, l; I. E& `咁你話d錢蒸發左去邊? ...
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正係咁樣
8 I" L. h+ B. C1 K# W. j4 g7 a7 f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
% I% }) S$ |5 C+ h分分鐘佢地唔使還錢
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) F1 I  ?5 W( N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,
* M# x; Z; ^1 @+ Y, j連國家都係問人借, 不停發債券, 印鈔票7 R( }1 m7 u9 c# E
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
- e( l8 C% G6 f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
5 u5 Q+ u" i5 G8 c* b5 V咁而家"爆哂煲"算唔算先至係變番"正常"???
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5 g- _& h$ d; _其實係...1 k1 N1 P0 v0 t8 S1 m; d7 P
因為以前未生產, 先消費  w6 U3 C* P9 j  `5 i
而家就要多生產, 少消費
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