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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
6 \7 e7 d4 q$ }. b( n- j7 P8 {Why bank will sell 借據給第三者???
$ l+ W& Y+ X' b4 nI was so confused.....
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講到尾都係賺錢
5 w8 h) t$ s/ d9 a1 m& oso銀行可以不斷放款
4 _( O1 n& z; ~" W6 x5 z美國的房貸問題散佈到全世界5 ~+ x. ]3 Z3 Y% e
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mortgage loan . S* X% p( r( ^6 ?2 e# ]
>conduit
2 O, ]9 I# q# Z" W>RMBS(Residential Mortgage Backed Securities)1 t7 W" U8 W- H
>arranger
& g' R( [- [. W: j8 C- @' O, ]>CDO(Collateralized Debt Obligation)
% q& g* f$ Y1 [+ `8 e5 y9 t最後去到投資者
i thought it is the reason of rate of return.
3 V5 c$ B* t7 a" H3 p2 MCDs could have different ratings, AAA -> F,
8 c" ]  v* C/ a: i( r+ Rmore risky ones would have higher premium (interest rate) as a compensation for an investment.  A: t+ c$ Q7 O0 i  Z2 p
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
5 U' ]/ a: Q1 _7 ]8 ain other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.2 H. c# n. D" P2 v1 ^3 |2 a
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
' A. O& {9 t( f; I4 E7 fsimilar to bonds, CDs trading in the secondary market have different value at different times,
5 q+ Y* S* b7 @. C$ N7 Mnormally the value is calculated by adding it's principle and interest. 2 v0 H! R8 |& A' [' [2 Q! q) t* Z
eg. the value of the mortgage+the interests to be recieved in the future. ; `7 G& P, a+ \" U, x5 v! F* 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.( ^  c  r6 O0 g3 A8 C# h  l4 C+ W

2 M7 ?! p0 T, f  T! W( Kim not quite sure if the multiplier effect does really matter in this case.
$ {- I0 s. N) ~" y& u+ [in stock market, it's the demand and supply pushing the price up/downwards.
7 A" j$ Y, u% _) I9 @For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,$ |  q1 Z7 _( O' `4 N" s9 K/ V
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
2 }1 m, m! n* e( t: x2 u0 s* nThe 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.
9 S5 V4 `0 T: j( k4 Pbut the value of their assets did really drop significantly.0 O. q; c4 w/ l" j1 {; h3 d

3 m/ x+ ]- f' h, u[ 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! Y6 v* A2 F, h; y, K/ N' ^
Refer to last example,# j5 {8 ?! P6 z  ^: ^5 ~; k
that means bank A have no money because we borrow 10 dollars from bank A " u1 u2 d$ H/ j- d( S/ P
Because bank A doesnt have enough cash on hand
6 {4 u8 o1 N2 Ztherefore bank A need to be bankrrupt ??? Am I right ?? ...
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8 t* R+ e4 O: z9 |. }A->B->C->D->E. t. S# D9 a) J; O
so does it mean if E failed to pay D,
  I! k$ h/ h9 Z: N) a1 oall the B,C,D,E have to go bankrupt?5 `& Z0 C* V- x) q$ V( _7 h6 p
5 c  n3 }" P* J7 Y3 d* V+ o7 ?
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the multiplier just tell how much money created in a whole economy, - l: X# G" A" E$ W* `- ^
in this case it doesnt really matter how much money is created,
; M- z- V" p2 a: E& Rit's the problem of the debt itself.
5 q: E$ j+ v7 q1 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
6 ]' Y  n$ e) s" k( l- w* r小弟一直都唔明...
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( Q3 W; j# m3 v; h, x! o$ P全世界都蝕錢,咁邊個賺緊錢呢?
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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2 s% n7 E3 y+ }# p

' K, p# A) N' PThanks
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那些根本係 紙上財富  : d& d; j. y- ?0 t8 ]
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
+ F& p3 k% u  Y  _當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
5 R- T( l1 s% g7 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& i5 Y, \+ I$ e. \- f; }
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
0 E; m0 a4 o; f( m: c扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,
& D9 J; P( G, X+ a5 C8 p計番回報率就已經係50%,所以可以好好賺% l4 Q, Z2 B" i/ W$ G, E5 b" k% A2 |
前提係銀行之間要互相信任先可以咁樣借法
0 D2 m- a) e5 }同埋個市場既前境要係好先得
8 K1 x9 K5 V5 O5 E但當經濟一差,公司估值趺了,物價不升反趺: R* N$ ^7 E4 Y. m+ _" v% p7 O2 ?
例如剛才說10蚊的, 趺到得番9蚊, 0 e* u# S( a5 L3 H
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
. ]( l3 m" m8 W- P5 q0 R' {所以你就會覺得D錢好似蒸發哂咁0 {5 |' a' o8 e  F0 ~
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你都可以當標野咁諗, 個樣野多人可以狂升值, 5 ^2 w! q$ b: K: @, @  c
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,
0 w2 N# d+ Z! I! ]2 x3 `+ b淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, % K7 i+ @1 J; X
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
- _+ e) ?7 R3 Y$ u4 Q( P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) E5 e- F0 C- D唔係d錢蒸發, 而係比美國佬洗晒未來錢, 0 E6 q# s& l# @* z: V
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,   y2 \0 P8 U2 ]0 L& v  D1 V
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
; F& z" C" \3 P  `" Y& X咁你話d錢蒸發左去邊? ...
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% M: }- F5 _4 _0 A6 p# i* l$ z正係咁樣; n; b0 P7 m. r! K9 l* X/ J
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
; o  \; V) h6 y. n/ g/ Y; e7 s& f分分鐘佢地唔使還錢8 u$ _" I5 f& L- z& h6 w) {" M

% M6 w$ m0 U0 Y1 z& g5 h* U/ E/ W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* o# h( |* @, q; Q- \/ q- B
連國家都係問人借, 不停發債券, 印鈔票7 S3 x2 D% Q& g6 w
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
, L4 F3 b" \9 u9 d: D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
$ q6 T& O- p8 m  l+ n4 N咁而家"爆哂煲"算唔算先至係變番"正常"???
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- P+ w* b* N! m- c& P* n其實係...$ Q; }4 j6 y2 s8 h+ w- K
因為以前未生產, 先消費; J: |: ^' \8 _5 A% ]$ E8 ?1 W
而家就要多生產, 少消費
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