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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.gif6 B) i: k! b9 H6 [
Why bank will sell 借據給第三者???0 t# O2 l7 l  z& d5 m7 H7 S- t
I was so confused.....
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講到尾都係賺錢
4 _: N! X% v& \# L" [* R* ?. V0 h6 Hso銀行可以不斷放款1 Q, e+ `, |8 A9 X. D8 Q2 R* |, y
美國的房貸問題散佈到全世界
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mortgage loan & n9 v- ]7 S  W' O6 h
>conduit9 \, p' X6 Z' {1 c; M6 [
>RMBS(Residential Mortgage Backed Securities)
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) f9 S1 T2 @5 S+ L5 p0 L. S+ j% V- k>CDO(Collateralized Debt Obligation)+ T% M6 K3 X; {# R: ]' c
最後去到投資者
i thought it is the reason of rate of return.
& L$ A1 f. j% M) `6 }9 B7 h( mCDs could have different ratings, AAA -> F,
' e7 b6 N4 u; U$ mmore risky ones would have higher premium (interest rate) as a compensation for an investment.
' N+ p* W# L# B0 s/ v3 ?# R& ^main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,2 n$ z3 y# B  ]. o6 d
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.5 r$ a4 n9 j1 m3 V& A
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
0 }) c8 w4 ?: D; a3 csimilar to bonds, CDs trading in the secondary market have different value at different times,/ o' K3 l  X, @$ y/ |2 w: |) |
normally the value is calculated by adding it's principle and interest.
2 J9 s7 l+ m! y" i2 \eg. the value of the mortgage+the interests to be recieved in the future. + V* N' _  S3 L6 O) w
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.* @; R$ [- N+ d9 f' {. [

& p+ T/ B9 g: M- l4 M" Him not quite sure if the multiplier effect does really matter in this case.
" a; V+ C* w; }7 j' O6 [: o. yin stock market, it's the demand and supply pushing the price up/downwards., K0 w3 a. P7 a
For eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,1 ~7 e- q4 X/ U% n4 J1 r
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.9 l* H% @- o# w
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. + }$ |: J# q' A# D$ i
but the value of their assets did really drop significantly.7 z, U! g6 Q8 R+ c
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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
7 b4 [9 G- `$ f1 eRefer to last example," C$ b+ O+ W5 \$ k; M4 l; X/ _2 |
that means bank A have no money because we borrow 10 dollars from bank A
4 ~1 @/ W. n2 _# S& B  N. KBecause bank A doesnt have enough cash on hand   E# D. G1 i. G  d7 ?& h
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E
& A  S  a2 M9 R- R3 I& j5 u0 b0 G8 Bso does it mean if E failed to pay D,
; S3 l" v) C2 \, C+ qall the B,C,D,E have to go bankrupt?8 G) N9 i/ w9 ^( ~1 |* i3 g4 k5 R
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the multiplier just tell how much money created in a whole economy,
( `4 l4 F7 q' g+ b" Y( S) C2 K& hin this case it doesnt really matter how much money is created,   q3 M1 u% m* q5 N% y0 P- \6 G! i
it's the problem of the debt itself.# ]8 a, n, O  F: ^
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.gif8 f' l  s5 }: ]
小弟一直都唔明...4 E4 y, F/ W) ]( p
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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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& V9 T4 w  \' Q' z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  0 l! P' R; Z  N' k5 b( F8 g
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
+ W/ U% Z  \, k9 s7 {當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
' s. T6 n$ ^% L, F. {: p, Z! E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- ]/ [% E2 e: \3 v6 S
個件物價係市場好既時候升, 例如15%先算,變左12蚊啦+ e1 m6 h  I1 @6 r3 U1 k% p
扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,8 C/ k! u: @7 F& {
計番回報率就已經係50%,所以可以好好賺
1 `7 X" Q# K% i& M8 m前提係銀行之間要互相信任先可以咁樣借法8 O; i4 p6 R3 z1 v8 @+ n
同埋個市場既前境要係好先得$ I  z" T/ U& n: j: v
但當經濟一差,公司估值趺了,物價不升反趺; C5 o# B' s% D0 E/ o& d
例如剛才說10蚊的, 趺到得番9蚊,
, s1 [; w! O& N9 X" T咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
3 }. |/ j2 V: H# i  t9 E所以你就會覺得D錢好似蒸發哂咁
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你都可以當標野咁諗, 個樣野多人可以狂升值,   W; e9 Z9 ?, i7 _* E
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, $ D0 t$ u3 B9 e5 h3 i; w
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
: B1 o$ G0 G) X0 H& v6 J9 O' G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8 e# `' r, f7 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( R: M9 }* K& S7 ^5 R
唔係d錢蒸發, 而係比美國佬洗晒未來錢, 0 Q$ x$ ~5 a) }% ]" [* _8 I. a* ~9 }
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒,
1 ^1 E$ k& L; s1 \  l' M3 m0 p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& }  r( e; p  D  Z; W9 z% Z
咁你話d錢蒸發左去邊? ...
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$ S1 m% S0 u) ^8 L4 x) l5 e/ m8 ?正係咁樣
: c" o. M+ ?; A' z, u; Q) f3 q$ g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
# G6 R2 G4 W% y  j8 ]" d分分鐘佢地唔使還錢* c! ~) @9 u, X7 _" A6 k- i' H
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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,  _/ f: T) |& {, r1 p3 B
連國家都係問人借, 不停發債券, 印鈔票
! f/ A9 K& S# q: T) A9 ~- r一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
; c. l7 z; E2 W1 @2 F) I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
7 |% I" a% ]! |4 X咁而家"爆哂煲"算唔算先至係變番"正常"???
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其實係...5 E1 v" b. l! O# h; P3 A
因為以前未生產, 先消費
6 m, q6 M: S6 M  I1 L* [而家就要多生產, 少消費
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