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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
  U) B0 C, i, s$ cWhy bank will sell 借據給第三者???
3 Z3 S+ P& Q5 b% R/ |I was so confused.....
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1 r1 u/ y$ A) @9 ?' T: U8 @講到尾都係賺錢
0 B3 S5 ^/ T; b6 q" j: D% Bso銀行可以不斷放款7 M4 Z; ?9 ?$ n' I6 Z  B2 @
美國的房貸問題散佈到全世界# l, O8 t- f& I3 }* a3 V" B
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mortgage loan 1 O/ v6 F( J, _' V$ c+ f
>conduit
. v/ f: W' Q  i3 v8 X>RMBS(Residential Mortgage Backed Securities)
$ g) r+ i- Y$ T>arranger$ N6 R/ V2 k* ^
>CDO(Collateralized Debt Obligation)
, U; b0 p8 F# V% H% b最後去到投資者
i thought it is the reason of rate of return." a& x' S0 a' M/ a$ x7 _
CDs could have different ratings, AAA -> F,
+ K6 q( g" y6 T3 m4 L# }more risky ones would have higher premium (interest rate) as a compensation for an investment.8 t# i( \$ M$ S3 \9 G
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,% d, m) o( T0 P/ S6 m
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
- `, }* c- t- Q8 z6 kAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.3 i) H6 H4 h. |* U1 O
similar to bonds, CDs trading in the secondary market have different value at different times,! \6 b9 h3 L" z* u' i0 ~
normally the value is calculated by adding it's principle and interest. 1 @9 {3 E. ]! m# w* ~1 i. R
eg. the value of the mortgage+the interests to be recieved in the future.
& z7 H1 i0 e& D- q0 s7 ]' bbanks 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.
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( G; t8 |8 A0 l* C- Qim not quite sure if the multiplier effect does really matter in this case., V$ c- Z0 t; Z1 K# V9 S0 [. F% v
in stock market, it's the demand and supply pushing the price up/downwards.
$ L* ]2 F0 z- e1 s% ZFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,! F9 }! o3 q6 k, Y2 u. @7 C% p
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
0 e' G. A; a1 }: P* d+ S( cThe 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.
( \7 b5 d8 s& i0 T* Jbut the value of their assets did really drop significantly.
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) o2 g9 Q  S) t& s# z. {[ 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( W1 J4 e2 `4 U; J6 v; q1 B
Refer to last example,
. D/ b" k6 M: }1 l, d! W" P5 \that means bank A have no money because we borrow 10 dollars from bank A
7 J2 H# A3 c7 Z% ]8 J: tBecause bank A doesnt have enough cash on hand : k  b7 ^& @  f& S# Q4 J
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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$ g2 H3 F) f- v: d( rA->B->C->D->E. q1 e: r1 R" ]+ E4 r
so does it mean if E failed to pay D, 8 a) ]# v$ V; B: h' r
all the B,C,D,E have to go bankrupt?! E! A4 y: f, O4 `  m9 ~

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, I$ P6 C4 p* [; b% m- U9 f5 _" N; [# Wthe multiplier just tell how much money created in a whole economy, & L& Y3 l; A# l
in this case it doesnt really matter how much money is created, , u% A4 i( p( n" d
it's the problem of the debt itself.
3 d2 T% o& ^% m, mthe 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" m1 V; a! u0 k, D7 a( v
小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?0 a9 U4 u: C/ T  H# i
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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
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+ `+ M9 T7 Y1 v% ?6 F7 ?Thanks
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那些根本係 紙上財富  7 i0 P9 f0 X6 h- P
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
1 l1 b& O) @: V- |' L當經濟好,投資銀行相信會賺錢, 物價既估值相對較高# F8 n. _3 u/ 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
2 P/ k' {$ x# u個件物價係市場好既時候升, 例如15%先算,變左12蚊啦# ^: E3 G/ K/ Z" `5 {9 l
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,$ f0 b& u2 |6 A  w6 k2 F
計番回報率就已經係50%,所以可以好好賺) c! B5 I1 o% @4 l- @% `$ A1 b5 p
前提係銀行之間要互相信任先可以咁樣借法: c1 |" S8 `0 t. ]3 B+ `1 x- O6 x# y
同埋個市場既前境要係好先得
5 X" {2 ]8 @2 p2 N% ?但當經濟一差,公司估值趺了,物價不升反趺0 B8 p4 V7 W8 A: i4 k) d6 \
例如剛才說10蚊的, 趺到得番9蚊, * V7 t, m: D) k4 [3 h
咁投資銀行一下子就要還11蚊, 一來一回變左虧200%# I' p! ~* p; m2 a
所以你就會覺得D錢好似蒸發哂咁+ d5 E& e3 ^) u9 k, o
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你都可以當標野咁諗, 個樣野多人可以狂升值, 9 P6 I6 b; C4 t6 S  i
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, - s$ d5 ~% q$ x- l7 b
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 6 q) r. x- J, a2 I" N
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$ K* Z" i( N$ Q. N1 a4 a9 A
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.gif7 A( j2 p9 }) y" W8 i* G2 |
唔係d錢蒸發, 而係比美國佬洗晒未來錢,
) R7 J7 P$ o$ O/ w- F3 i) q* Q* q& `淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
: Y% K  q9 K; z& f& a/ [: P* 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3 O% D8 @6 N  j2 J. x* s
咁你話d錢蒸發左去邊? ...
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* z+ ^: ?3 _$ S. k7 d正係咁樣
9 K* I. g& I% t& G7 q# x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: K, b  f3 z: h1 l0 a1 C/ C
分分鐘佢地唔使還錢) D$ x! ]* N' O2 n8 h* X* U

% Y) w8 G6 S! J4 h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,  N% J8 I; X7 H0 K7 P
連國家都係問人借, 不停發債券, 印鈔票+ p7 U# I0 e5 k2 I
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產/ F9 Q: @6 n! _3 k6 [0 p( x3 |1 s4 j
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& l! b2 K) b, C# Q
咁而家"爆哂煲"算唔算先至係變番"正常"???
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9 [) Z6 ~/ ]  Y其實係...
& _/ M  M  m2 U' ?, b% C因為以前未生產, 先消費# n; u( L" Z3 I+ Y7 l6 S
而家就要多生產, 少消費
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