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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
& r: u! _% I# ^1 AWhy bank will sell 借據給第三者???
* R4 b$ H* h7 @0 t7 X% r6 |; a" BI was so confused.....
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講到尾都係賺錢
+ _( `9 {  m  j5 H& m( [so銀行可以不斷放款" D' R8 }/ P1 I6 K
美國的房貸問題散佈到全世界
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" t% o) `4 {" W! V3 z: b/ v8 }0 Xmortgage loan 7 T/ w/ b% i  A$ M) }( `
>conduit! B; |5 Q3 e' r. y5 Z. t/ K
>RMBS(Residential Mortgage Backed Securities)  o; z9 J$ H% q3 Z
>arranger
2 L* d9 H3 ]( o>CDO(Collateralized Debt Obligation)
2 E$ z1 }) J6 Q3 Y- Z- g1 Z最後去到投資者
i thought it is the reason of rate of return./ H' m: S* {7 A1 a9 Z
CDs could have different ratings, AAA -> F,
  N4 B( Y, E1 ^  d+ Nmore risky ones would have higher premium (interest rate) as a compensation for an investment.! w. P6 l5 ^3 a1 K; G3 a; W7 Y
main reason why ppl buy those risky CDs is because the rate of return exceeds their internal rate of return,) M3 Z' S% B- O' C7 X# C8 ^
in other words, the interest rate of that investment > their required interest rate, therefore they invest in those securities.! V7 {  M, F5 R
Also, fund managers would include risky assets in their portfolio for different purposes, eg efficiency.
1 Z' r6 K7 n5 S# lsimilar to bonds, CDs trading in the secondary market have different value at different times,
0 C8 E1 y0 B6 @7 ?: p7 t& z* qnormally the value is calculated by adding it's principle and interest. 8 b0 {' `! Y1 I. L3 Q
eg. the value of the mortgage+the interests to be recieved in the future. # P3 O2 e0 y2 U+ ?) X/ d9 C
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.
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im not quite sure if the multiplier effect does really matter in this case.
. g7 |9 \1 t  b, k' V2 ^/ G! Sin stock market, it's the demand and supply pushing the price up/downwards.
8 j- b# h5 W8 }& |1 p6 t/ xFor eg, A bought 10000 shares @10$ ; B sells 20000 shares to C @ $12,! A9 ?2 }2 K+ P2 I2 v
A's shares would suddenly increase to $120000 from $100000 which does not invlove any $ transaction.
- J6 u* }3 Z  ~6 |7 `" p& HThe 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. # p0 h8 h) G" h+ R" N" f
but the value of their assets did really drop significantly.
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8 f: V7 [, p( ?2 p2 {# g, r1 ?9 [[ 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. Q) K* {  q6 f' T, W( g
Refer to last example,
8 @) l7 e, C: Cthat means bank A have no money because we borrow 10 dollars from bank A 6 A/ m- M% n' ?/ L  b& y
Because bank A doesnt have enough cash on hand . ?# P7 B. a9 ~& A5 U
therefore bank A need to be bankrrupt ??? Am I right ?? ...
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A->B->C->D->E7 \  |0 H; j3 {3 ?$ o7 g: u
so does it mean if E failed to pay D,
7 b/ Q# o! ?7 B: n  d/ W" @all the B,C,D,E have to go bankrupt?
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  u, \' X. R. N4 zthe multiplier just tell how much money created in a whole economy, - ~5 r- Y/ u) |/ m
in this case it doesnt really matter how much money is created,
: a$ @1 C+ t! K" }( uit's the problem of the debt itself.0 x- N7 O2 J, K, n' ~- F! S" V/ s
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, \  b: l; s$ S2 _7 o2 o0 A# Q4 ?# A
小弟一直都唔明...
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全世界都蝕錢,咁邊個賺緊錢呢?! f! U; I1 ~7 M  h% t: t1 X3 T

; F3 [, l; P4 }9 X無可能淨係有人蝕錢無人賺架嘛...  r' J3 w& P0 u) Y" b  `

3 l  U- D; i4 _; Y9 D. l8 K敬請各師兄解答1 j4 y! y7 G# v
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Thanks
5 H0 R& r" e' y' l, W那些根本係 紙上財富  
* s- M* \+ K8 {% F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 graphic3 a, J& J) f5 n2 R- S" D

4 b  x% G3 t9 N3 Thttp://www.thedeal.com/newsweekly/images/100608_NWleverageFloChrt.gif
其實個D錢係你可以當係虛擬資產! k3 t+ q4 |4 ]& s" ]7 k$ \
當經濟好,投資銀行相信會賺錢, 物價既估值相對較高
" y8 x& U6 ^! o: t: h/ q8 j( v4 f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
, z& F% H9 I) n個件物價係市場好既時候升, 例如15%先算,變左12蚊啦
7 q2 e( U6 h# Z扣番利息當10里, 咁公司都可以賺左11.5-10(1.1)=0.5蚊,+ m: ?" K/ X+ e1 ]
計番回報率就已經係50%,所以可以好好賺
. U- C3 N) K/ q$ N前提係銀行之間要互相信任先可以咁樣借法
" x3 T. v" y% Y' o同埋個市場既前境要係好先得( t5 h# x& C6 l: _8 z
但當經濟一差,公司估值趺了,物價不升反趺
* M7 |  Q  h" L! E( j% h$ P例如剛才說10蚊的, 趺到得番9蚊,
4 o# Q* r6 s3 O5 e8 j/ J6 S  }' s咁投資銀行一下子就要還11蚊, 一來一回變左虧200%
6 I1 s7 z. B% `# r. B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,
+ y& k3 p+ r9 D; P) s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, % P: L9 W, b' X$ z8 x, X% G: Q
淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 4 N) d4 }/ \3 J  Z
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
: i% ~$ z2 V% 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.gif
# a" w8 ^' K( |; \: X/ s唔係d錢蒸發, 而係比美國佬洗晒未來錢,
! F+ r8 N- R, Y# ?! d淨如你簽左卡, 呢刻爆卡,咁d去晒邊?咪之錢用晒, 9 Z2 q3 Y5 T* L; ~: t* Z' B
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1 c* D5 x( e1 F8 K% U
咁你話d錢蒸發左去邊? ...
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正係咁樣9 R7 w: c* k: T  E7 D) P
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  b/ e5 X1 Q0 f/ x' v  I% J  P! a5 @
分分鐘佢地唔使還錢
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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,% X4 K1 R# x7 J
連國家都係問人借, 不停發債券, 印鈔票
/ U' t5 v. _5 `1 d7 g一個國家好少出口, 而又大量入口 ,反映到佢唔多生產
: s$ {4 t; R$ n: H$ b' h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
. l3 t5 V4 V! ^8 K5 s咁而家"爆哂煲"算唔算先至係變番"正常"???
4 [/ T; ~! O  F, Y! b; Q8 y0 v& ~9 [# O& j( {; ~6 d
其實係...
8 y9 Q& h% Q/ a* v' c因為以前未生產, 先消費: M3 L6 a6 w. i$ J
而家就要多生產, 少消費
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