不出所料---周末台湾版“次贷”新故事开讲了。

Question

台金融业33亿元 踩美次优抵押贷款地雷　　（台北综合讯）美国次优抵押房贷风暴肆虐，烽火延烧到台湾。根据台湾金管会最新统计，保险与银行投资与美国次优房贷相关产品约新台币（下同）700多亿元（33亿新元）。　　据中时电子报的报道，美国次优房贷风暴持续扩大，岛内有9家寿险公司投资约300亿元，其中台湾人寿与明台产险共损失4亿5000万元。　　在基金方面，金管会统计，国内投信基金有二档踩到地雷，初步损失约950万美元，海外基金方面有25档所投资的证券化商品踩到美国次级房贷地雷，持有部位低于1％，初估损失约1000万美元。　　在银行方面，有16家银行投资约404亿元，其中兆丰金评估损失约1亿多元，其中兆丰金旗下兆丰银直接投资14亿元次优房贷债券，初估损失约1亿多元，其他多数银行投资证券化商品连结到美国次级房贷或相关的公司债，目前尚无违约情形。　　此外，也有投资连动债的散户投资人蒙受惨重的损失。据了解，先前有不少理专以报酬率高达8％鼓励定存族把资金移转到美国的高收益债券，结果就踩到地雷。这次金管会统计，目前国内财富管理业务较大的5家银行，其代售财富管理商品有连结美国次级房贷，总额约41亿元。金管会副主委张秀莲表示，这些踩到地雷的财富管理商品以连动债为主。　　另外，《联合晚报》报道，全球股市持续震荡，10天内，岛内的基金规模 (不含债券基金)截至上周为1万2600亿元，较前一周锐减274亿5000万元，若加上本周基金赎回的部分，投信业者预估已超过300亿元，是这半年来基金规模减少速度最快的一周。　　台湾中央银行官员昨日对路透社表示，央行会密切注意美国次优房贷事件对台湾金融市场的影响，并称汇市走势由供需决定。

舒宗舒 · Answer

有这么多人给美国人民住房买单，不是坏事。怕的是没有冤大头！

邱玛 · Answer

周末花旗银行被爆 taking $700 million in credit losses
周末消遣阅读。

Citigroup seen taking $700 million in credit losses

By Shawn Langlois, MarketWatch
Last Update: 1:52 PM ET Aug 11, 2007

SAN FRANCISCO (MarketWatch) -- Citigroup Inc. has reportedly lost more than $700 million in credit business in recent weeks, placing the world's biggest financial services firm high on the list of casualties from the market-roiling credit crunch.

The losses are not a serious issue for a bank that pocketed more than $20 billion last year. The red ink, however, will be embarrassing for Citigroup's
Chairman and CEO Chuck Prince, undermining his efforts to restore investor confidence, according to a report from the Financial Times on Saturday.

邱玛 · Answer

Goldman 的对冲基金亦脱不了干系。SAN FRANCISCO (MarketWatch) -- Goldman Sachs Group's $8 billion Global Alpha hedge fund has fallen 26% so far this year, a retreat that could lead skittish investors to cash out, according to a Friday report citing unnamed sources.Goldman's biggest hedge fund has shed almost 40% since July 31, 2006 while the Standard & Poor's 500 Index has risen 16%, Bloomberg reported.The fund's decline has eaten away at fees paid to Goldman , which pocketed $700 million from the fund after its 40% surge in 2005.The poor performance could prompt redemptions. Withdrawals for the fund's $6.2 billion offshore version came to $394 million in June, an unidentified investor told Bloomberg. That was almost triple the $142 million that flowed into the fund.There is an August 15 deadline for Global Alpha investors who want to cash out, according to the report.This is the latest evidence of a near $2-trillion industry in turmoil. Two hedge funds run by investment bank Bear Stearns were almost completely wiped out earlier this year after losing more than $1 billion, partly from leveraged subprime mortgage bets that went awry.Several other funds have been slammed by the ensuing credit markets crisis

邱玛 · Answer

次优抵押贷款吹出来的泡泡美国次优抵押贷款(sub-prime)所引起的风波还会持续多久，大家都想知道，但是大家都没有答案。这几个星期的股市三天两头就暴跌一回，投资者饱受一轮又一轮的惊吓。雪球到底会滚得有多大，雪球自己都不知道。次优问题所牵涉的层面会有多广，目前只能靠猜。股市这一阵子的反应也许过于激烈，但比较有可能的是，它还未充分反映出最坏的情况。

不出所料---周末台湾版“次贷”新故事开讲了。

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