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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.gif2 n  i4 _2 Y$ D1 |' `$ R" Y, o7 q
Why bank will sell 借據給第三者???" U6 S! H# ^0 J6 v" j/ o
I was so confused.....
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  ]9 P) _  }6 Y, T" f/ O" h" b6 N/ i講到尾都係賺錢1 w# a" j9 l! }  \9 A" B
so銀行可以不斷放款
1 {9 ]2 l( U' }- l美國的房貸問題散佈到全世界
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mortgage loan
4 ?5 D3 P+ _2 [* y) O>conduit
" g- H6 L; J+ }! F1 e8 k, r>RMBS(Residential Mortgage Backed Securities)7 E8 C5 Y2 b: B1 |% q
>arranger
: a4 L* q8 f* D8 w" n0 _% e7 }0 W2 e>CDO(Collateralized Debt Obligation)2 q9 ~% Z9 P# @6 E. V. g5 f
最後去到投資者
i thought it is the reason of rate of return.+ _2 e% V* {% O5 m6 a; x
CDs could have different ratings, AAA -> F,
% [" a6 H" t6 nmore risky ones would have higher premium (interest rate) as a compensation for an investment.' }$ J# P+ u5 ~- d
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,
4 r& }8 \2 ]- ?& o' V  @in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.
8 ?2 }1 x( C6 q5 sAlso, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
' a% Q: h+ ^" }# D6 z, I6 b+ b% \similar to bonds, CDs trading in the secondary market have different value at different times,7 f2 ?' W1 f8 a0 ~) _
normally the value is calculated by adding it's principle and interest.
0 J7 V1 Y2 I& teg. the value of the mortgage+the interests to be recieved in the future.
( d8 `+ o) E8 ~( b. C; Ibanks 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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im not quite sure if the multiplier effect does really matter in this case.  S7 L, f" u4 U2 L8 k, ?9 p! ~
in stock market, it's the demand and supply pushing the price up/downwards.; o- Y" V. U* }1 c7 [9 q4 r
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,
; \; F9 |. [$ M+ u' ]& l3 b$ xA's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.8 {/ n+ G8 ]/ R/ N+ _
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.
  `. x2 C% h6 u3 T* Fbut the value of their assets did really drop significantly.) e& J. c% `; |

7 t+ [: h% B2 h# T  M$ }[ 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' x- s; ~3 _8 h' t. w+ ~6 U1 Q( x
Refer to last example,* |' q+ y0 i2 i8 n6 x
that means bank A have no money because we borrow 10 dollars from bank A
) \' d. O( j1 J1 QBecause bank A doesnt have enough cash on hand
  ^6 J, T9 F& {& T2 gtherefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E# l, I* `$ i, d  l" {
so does it mean if E failed to pay D,
. ]+ O) [+ @4 H9 s: _4 wall the B,C,D,E have to go bankrupt?. r- W6 X" F& z

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' D2 C/ J: q$ `! {the multiplier just tell how much money created in a whole economy, 9 U5 Y4 O2 E# C2 r) n  ]& J5 B( v  Q1 r
in this case it doesnt really matter how much money is created,
; A* |8 d+ X" E( {, |  dit's the problem of the debt itself.7 o8 y, Z$ M: c- H
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
% S( i4 W& O# `2 q% K; G+ u% g5 {小弟一直都唔明...; g$ j8 s; U! E+ O/ X% p4 y1 f6 J
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全世界都蝕錢,咁邊個賺緊錢呢?$ s$ s( k& }9 D

, r: ]5 V! i/ h" `  e! U+ B6 W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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Thanks
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那些根本係 紙上財富  , `% u* m1 e# 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. v" q$ k+ }" p2 z# w9 W
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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
3 w/ M1 \# x) ?1 x, h6 p當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
0 q- T5 D6 M) j) Z! S. 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
8 ?: M7 O; u. Q, r: |個件物價係市場好既時候升, 例如15%先算,變左12蚊啦, r5 ?- n: a$ V7 Y0 K" h
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,9 A$ ~8 R! {+ r( x( X% T0 Y7 B5 B
計番回報率就已經係50%,所以可以好好賺$ h2 F- g$ [' {4 p% Y  e  n
前提係銀行之間要互相信任先可以咁樣借法
  E* _+ m: J- }9 b! b6 m0 X同埋個市場既前境要係好先得1 j. L% O$ j# M
但當經濟一差,公司估值趺了,物價不升反趺) Q6 E+ l9 S0 g1 K: T, R5 W
例如剛才說10蚊的, 趺到得番9蚊,
! b0 Y5 C& K2 r; v咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
% I) L( F4 w5 R. ~4 {所以你就會覺得D錢好似蒸發哂咁" |7 i+ [' r7 W

# N  I3 i1 x: O8 A5 @5 Z* F! \3 m你都可以當標野咁諗, 個樣野多人可以狂升值,
$ [: @' y0 j$ T/ p/ m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, ' a. J+ X; C6 v" T! y; q# W
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
) n9 C! ], N! s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 q, e0 U! k+ P0 W6 I; p4 s7 y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
/ n: u# Q* v" W8 @唔係d錢蒸發, 而係比美國佬洗晒未來錢,
: Y' K& b# V& a2 H! a* d淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 0 L( r7 ?$ O: g6 e# Y
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
. j  E) Q; |8 g  b4 `8 [咁你話d錢蒸發左去邊? ...
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6 ]& d4 A* G+ d- S3 c8 E3 G) _正係咁樣
7 Z7 I: G  X: u+ H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
4 J* E  X* T, ?9 e  T分分鐘佢地唔使還錢2 s5 w# X+ v4 F: r8 ?4 |8 t* B

( I* N: B% T7 c7 |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,
/ g6 i# O. U; [: [/ q0 D( ^連國家都係問人借, 不停發債券, 印鈔票" p5 C: H2 f2 }6 S0 X1 R* k
一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
! ~- _6 G- p+ e% z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
% i2 B, z/ O. _/ t, x8 e& J咁而家"爆哂煲"算唔算先至係變番"正常"???
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/ q2 i  Q2 ~+ k4 i4 a0 U' R其實係...
# e# _6 B  [# d8 ]6 \( G因為以前未生產, 先消費
0 b+ i0 h4 Y+ a6 p4 ]+ f1 K) W而家就要多生產, 少消費
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