<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?
返回列表 回復 發帖
原帖由 balachiDavis 於 2008-10-8 05:56 PM 發表 http://www.26fun.com/bbs/images/common/back.gif4 h) Q; }& ]6 [2 ~; S; D8 P& `
Why bank will sell 借據給第三者???
2 F1 t0 g& A: f7 lI was so confused.....
  G5 u- K  w/ Q( U- z' N
/ ~+ I2 W( W+ p& _
講到尾都係賺錢
  h& V2 e( w- a+ g- I/ Cso銀行可以不斷放款
, x3 ~6 c; \. L. L, c& K2 Y美國的房貸問題散佈到全世界4 Q5 }  D2 m' X

1 m& [% n, O+ V4 Smortgage loan
8 ^* j6 n! N# z>conduit
/ u* x  W, t0 b$ {2 p>RMBS(Residential Mortgage Backed Securities)
4 L7 h5 e; Y8 ?$ ~' z>arranger
( q5 n' ^: B$ j, H>CDO(Collateralized Debt Obligation)
  i6 }  I7 Z: u+ V7 e最後去到投資者
i thought it is the reason of rate of return.# ~% k8 I( x: R. Y. P% X
CDs could have different ratings, AAA -> F,9 p' l! E, X: Q7 I
more risky ones would have higher premium (interest rate) as a compensation for an investment.8 W& X( [" n' \$ _  N+ z# D$ C- Q
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,9 `8 L( V! y; J2 d  u, Z0 J
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
- u0 r' w. I& V4 nAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.6 l; I8 y1 m7 i3 K: s
similar to bonds, CDs trading in the secondary market have different value at different times,
2 v0 _" A. o1 T, Lnormally the value is calculated by adding it's principle and interest. ' [) Y+ Q% e: m% Z& {4 R, s* _
eg. the value of the mortgage+the interests to be recieved in the future. # o* ^. J. ^* M" U& x) v
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.6 I0 s) f( u' T2 K% p/ T( s9 U
* C3 e- G7 C8 b: N1 Q5 x3 E3 W6 v
im not quite sure if the multiplier effect does really matter in this case.2 R8 w3 Q! R4 q6 z
in stock market, it's the demand and supply pushing the price up/downwards.
' y0 F6 f/ u8 ~For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
2 t6 d/ i8 Z& S. V) d' `- CA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
$ U# o9 G3 P* V- ^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. ) Y% b6 ?! o( i7 Q0 ~6 k1 J
but the value of their assets did really drop significantly.
; d* K* Y$ |2 W* A  ~) D( d. G, j% `: v2 N
[ 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.gif4 f' q" a0 z7 ~
Refer to last example,
1 N1 A0 x, J2 Z( Ithat means bank A have no money because we borrow 10 dollars from bank A 0 ]; Y0 x( U- k7 Z3 }& A- u9 x
Because bank A doesnt have enough cash on hand : j2 m' @2 ?7 n5 V) Q# v6 j8 ]
therefore bank A need to be bankrrupt ??? Am I right ?? ...
$ j! ?* ?1 A# n  b/ V$ E$ h) l( m8 I( @4 c: `: e

" s. D; A  L; P0 oA->B->C->D->E
! v& y* h6 W4 E  W$ Mso does it mean if E failed to pay D,
9 J" i$ r. |& G; Tall the B,C,D,E have to go bankrupt?
1 [+ w* i$ h- D. i+ j% x" Y5 M! f% O1 I; T6 r3 e

; a) d4 g- j4 R! w- {, b% Z/ nthe multiplier just tell how much money created in a whole economy, 2 Q6 f1 Z3 t; {- M0 s
in this case it doesnt really matter how much money is created,
3 u/ y0 A; w6 Q) v, ait's the problem of the debt itself.$ N3 U! ~- [) [2 Z3 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. ]5 w% K) @" q5 ]9 [5 L6 m
小弟一直都唔明...
' l! X0 j& c2 z8 N; b
+ ^" I* f2 k5 J全世界都蝕錢,咁邊個賺緊錢呢?
; M# ^& M( i2 f" |* H9 ~% D- z/ J2 O. u# K( y2 C2 h9 q* V3 R! Z; ^
無可能淨係有人蝕錢無人賺架嘛...4 x  U/ h1 ^1 R0 t
  M9 k1 k; i$ x9 k
敬請各師兄解答
1 }8 y9 l( d3 |$ ]( J
8 S+ V9 h; b1 c- [# ?% s9 T0 ~" ]( BThanks
) U" O, i+ {6 {那些根本係 紙上財富  & G# m* M' \+ l0 v2 Q9 s* 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 graphic
, X5 @/ E% N" C( c
4 q( Q& _& Z) H( {http://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產8 X# U! a$ n9 B1 W' {% s0 G- |
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
  ~& z. A6 d4 b& |0 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! I% n! j  f' B  U
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
+ j3 Q: c5 N9 W- a. P扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,9 w4 j1 r: Q) n/ m4 X
計番回報率就已經係50%,所以可以好好賺
! t' L' U* @: P( t前提係銀行之間要互相信任先可以咁樣借法5 S/ Z, y  L; o0 M. ^' l! E
同埋個市場既前境要係好先得
) n: V# n: g  I( b/ ^但當經濟一差,公司估值趺了,物價不升反趺
8 j9 s* j5 Z# y; @; P4 e0 W例如剛才說10蚊的, 趺到得番9蚊,
! f3 b* P$ B0 a- |- r" F咁投資銀行一下子就要還11蚊, 一來一回變左虧200%- A+ K" g! C4 B+ r2 v. x' W9 [/ [, s# r
所以你就會覺得D錢好似蒸發哂咁$ {) t$ I* E& s0 l" V
( U3 P* q# Q2 B' V* O( s$ J; w, ~
你都可以當標野咁諗, 個樣野多人可以狂升值,
2 [/ F' E" Y' i9 J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,
5 p* n1 B3 k7 P. X, f9 s7 n6 A' t淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 5 H) k5 F% p) ~" W$ {9 I9 \
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; Z" I; N! _1 r( c8 _. y( e
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. Z: Q0 o# j4 V' ?8 A* M6 X& v8 _
唔係d錢蒸發, 而係比美國佬洗晒未來錢, ' f0 [9 g- Y- Z' t# B! ^3 B
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, * Z% o. `) D/ J1 I: q" L" 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) a7 ?. v0 _7 b+ u" W咁你話d錢蒸發左去邊? ...
& v/ w: ^# h& o7 @0 Q4 B

: ^4 L. r7 K% @4 V; V+ ~- n正係咁樣: ~- ]& b7 E* \
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
8 m1 o2 P' g. w分分鐘佢地唔使還錢3 s6 S/ J: N: s0 E5 w6 |

6 f, M1 p) Q6 Z8 y5 {6 D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,, L& ~2 H& @. L: b9 W  _7 L
連國家都係問人借, 不停發債券, 印鈔票
0 Z5 D8 Z5 I6 g, R4 k  [% M4 `3 t' g一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
4 G) F8 G* h: h8 q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( u0 B4 q3 @- H% c咁而家"爆哂煲"算唔算先至係變番"正常"???
5 Z: P+ {; m4 _% i& {0 |! J
; d% f5 G3 C% i' T% H0 {, Q其實係...
; k, x  \+ G1 r因為以前未生產, 先消費6 G& o+ @# C3 u( S: Q! R
而家就要多生產, 少消費
返回列表 回復 發帖
<<新主題 | 舊主題>>
娛樂滿紛 26FUN » 吹水版 » 全世界都蝕錢,究竟d錢蒸發左去邊?

重要聲明:26fun.com為一個討論區服務網站。本網站是以即時上載留言的方式運作,26fun.com對所有留言的真實性、完整性及立場等,不負任何法律責任。而一切留言之言論只代表留言者個人意見,並非本網站之立場,用戶不應信賴內容,並應自行判斷內容之真實性。於有關情形下,用戶應尋求專業意見(如涉及醫療、法律或投資等問題)。 由於本討論區受到「即時上載留言」運作方式所規限,故不能完全監察所有留言,若讀者發現有留言出現問題,請聯絡我們。26fun.com有權刪除任何留言及拒絕任何人士上載留言,同時亦有不刪除留言的權利。切勿撰寫粗言穢語、誹謗、渲染色情暴力或人身攻擊的言論,敬請自律。本網站保留一切法律權利。