Stocks, Crypto & Exchange
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📈 Telegram 频道 Stocks, Crypto & Exchange 的分析概览
频道 Stocks, Crypto & Exchange 英语 语言赛道中的 是活跃参与者。目前社区聚集了 34 971 名订阅者，在 经济与金融 类别中位列第 6 824。
📊 受众指标与增长动态
自 невідомо 创建以来，项目保持高速增长，吸引了 34 971 名订阅者。
根据 08 九月, 2024 的最新数据，频道保持稳定运转。过去 30 天订阅人数变化为 0，过去 24 小时变化为 0，整体触达仍然可观。
- 认证状态： 未认证
- 互动率 (ER)： 平均受众互动率为 0%。内容发布后 24 小时内通常能获得 N/A% 的反应，占订阅者总量。
- 帖子覆盖： 每篇帖子平均可获得 0 次浏览，首日通常累积 0 次浏览。
- 互动与反馈： 受众积极参与，单帖平均反应数为 0。
📝 描述与内容策略
作者将该频道定位为表达主观观点的平台：
“📰 Know what you own, and know why you own it. 🤝
~ Peter Lynch | @Exchange”
凭借高频更新（最新数据采集于 09 九月, 2024），频道始终保持新鲜度与高覆盖。分析显示受众积极互动，使其成为 经济与金融 类别中的关键影响点。
34 971
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无数据7 天
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频道帖子
| 2 | 🔵 TRANCHES IN MORTGAGE-BACKED SECURITIES
▶️ A tranche is a common financial structure for securitized debt products, such as a collateralized debt obligation (CDO), which pools together a collection of cash flow-generating assets—such as mortgages, bonds, and loans—or a mortgage-backed security. An MBS is made of multiple mortgage pools that have a wide variety of loans, from safe loans with lower interest rates to risky loans with higher rates. Each specific mortgage pool has its own time to maturity, which factors into the risk and reward benefits. Therefore, tranches are made to divide up the different mortgage profiles into slices that have financial terms suitable for specific investors.
▶️ For example, a collateralized mortgage obligation (CMO) offering a partitioned mortgage-backed securities portfolio might have mortgage tranches with one-year, two-year, five-year and 20-year maturities, all with varying yields. If an investor wants to buy a MBS, they can choose the tranche type most applicable to their appetite for return and aversion to risk. A Z tranche is the lowest-ranked tranche of a CMO in terms of seniority. Its owners are not entitled to any coupon payments, receiving no cash flow from underlying mortgages until the more senior tranches are retired, or paid off.
▶️ Investors receive monthly cash flow based on the MBS tranche in which they invested. They can either try to sell it and make a quick profit or hold onto it and realize small but long-term gains in the form of interest payments. These monthly payments are bits and pieces of all the interest payments made by homeowners whose mortgage is included in a specific MBS.
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| 4 | 🔵 THE BASICS OF TRANCHES
▶️ Tranches in structured finance are a fairly recent development, spurred by the increased use of securitization to divide up sometimes-risky financial products with steady cash flows to then sell these divisions to other investors. The word tranche comes from the French word for slice.
▶️ The discrete tranches of a larger asset pool are usually defined in transaction documentation and assigned different classes of notes, each with a different bond credit rating.
▶️ Senior tranches typically contain assets with higher credit ratings than junior tranches. The senior tranches have first lien on the assets—they're in line to be repaid first, in case of default. Junior tranches have a second lien or no lien at all.
▶️ Examples of financial products that can be divided into tranches include bonds, loans, insurance policies, mortgages and other debts.
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| 6 | 🔵 WHAT ARE TRANCHES❓
▶️ Tranches are segments created from a pool of securities—usually debt instruments such as bonds or mortgages—that are divided up by risk, time to maturity, or other characteristics in order to be marketable to different investors. Each portion or tranche of a securitized or structured product is one of several related securities offered at the same time, but with varying risks, rewards and maturities to appeal to a diverse range of investors.
▶️ Tranche is a French word meaning slice or portion.
▶️ They are commonly found in mortgage-backed securities (MBS) or asset-backed securities (ABS).
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| 8 | 🔵 HOW DOES ASSET SECURITIZATION WORK❓
▶️ Asset securitization begins when a lender (or any company with loans) or a firm with income-producing assets earmarks a bunch of these assets and then arranges to sell the lot to an investment bank or other financial institution. This institution often pools these assets with comparable ones from other sellers, then establishes a special-purpose vehicle (SPV)—an entity set up specifically to acquire the assets, package them, and issue them as a single security.
▶️ The issuer then sells these securities to investors, usually institutional investors (hedge funds, mutual funds, pension plans, etc.). The investors receive fixed or floating rate payments from a trustee account funded by the cash flows generated by the portfolio of assets.
▶️ Sometimes the issuer divides the original asset portfolio into slices, called tranches. Each tranche is sold separately and bears a different degree of risk, indicated by a different credit rating.
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| 10 | 🔵 WHAT IS ASSET BACKING❓
▶️ Asset backing refers to the total value of a company's shares, in relation to its assets. Specifically, it refers to the total value of all the assets that a company has, divided by the number of outstanding shares that the company has issued.
▶️ In terms of investments, asset backing refers to a security whose value derives from a single asset or a pool of assets; these holdings act as collateral for the security—"backing" it, in effect.
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| 12 | 🔵 HOW AN ASSET-BACKED SECURITY WORKS❓
▶️ Assume that Company X is in the business of making automobile loans. If a person wants to borrow money to buy a car, Company X gives that person the cash, and the person is obligated to repay the loan with a certain amount of interest. Perhaps Company X makes so many loans that it starts to run out of cash. Company X can then package its current loans and sell them to Investment Firm X, thus receiving the cash, which it can then use to make more loans.
▶️ Investment Firm X will then sort the purchased loans into different groups called tranches. These tranches contain loans with similar characteristics, such as maturity, interest rate, and expected delinquency rate. Next, Investment Firm X will issue securities based on each tranche it creates. Similar to bonds, each ABS has a rating indicating its degree of riskiness—that is, the likelihood the underlying loans will go into default.
▶️ Individual investors then purchase these securities and receive the cash flows from the underlying pool of auto loans, minus an administrative fee that Investment Firm X keeps for itself.
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| 14 | 🔵 UNDERSTANDING ASSET-BACKED SECURITIES (ABSs)
▶️ Asset-backed securities allow their issuers to raise cash, which can be used for lending or other investment purposes. The underlying assets of an ABS are often illiquid and can't be sold on their own. So, pooling assets together and creating a financial instrument out of them—a process called securitization—allows the issuer to make illiquid assets marketable to investors. It also allows them to get shakier assets off their books, thus alleviating their credit risk.
▶️ The underlying assets of these pools may be home equity loans, automobile loans, credit card receivables, student loans, or other expected cash flows. Issuers of ABSs can be as creative as they desire. For example, asset-backed securities have been built based on cash flows from movie revenues, royalty payments, aircraft landing slots, toll roads, and solar photovoltaics. Just about any cash-producing vehicle or situation can be securitized into an ABS.
▶️ For investors, buying an ABS affords the opportunity of a revenue stream. The ABS allows them to participate in a wide variety of income-generating assets, sometimes (as noted above) exotic ones that aren't available in any other investment.
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| 17 | 🔵 WHAT IS AN ASSET-BACKED SECURITY (ABS)❓
🔵 An asset-backed security (ABS) is a type of financial investment that is collateralized by an underlying pool of assets—usually ones that generate a cash flow from debt, such as loans, leases, credit card balances, or receivables. It takes the form of a bond or note, paying income at a fixed rate for a set amount of time, until maturity.
🔵 For income-oriented investors, ABSs can be an alternative to other debt instruments, like corporate bonds or bond funds. For issuers, ABSs allow them to raise cash which can be used for lending or other investment purposes.
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| 19 | 🔵 WHAT'S THE RELATIONSHIP BETWEEN MBS & A BANK❓
▶️ Essentially, the mortgage-backed security turns the bank into an intermediary between the homebuyer and the investment industry. A bank can grant mortgages to its customers and then sell them at a discount for inclusion in an MBS. The bank records the sale as a plus on its balance sheet and loses nothing if the homebuyer defaults sometime down the road.
▶️ This process works for all concerned as long as everyone does what they're supposed to do. That is, the bank keeps to reasonable standards for granting mortgages; the homeowner keeps paying on time, and the credit rating agencies that review MBS perform due diligence.
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