"Sorry, my working capital has been a little tight recently." Chen Zhao said.

If his friend needs money, even if he loses money, even if he knows that he can't pay it back, Chen Zhao will take out the money.

Even if Gu Lie asks Chen Zhao to borrow money, Chen Zhao will borrow money.

Because they have had close contact, they are aware of each other.

In this way, Chen Zhao can evaluate whether his money can be returned, or how much he can come back.

However, Chen Zhao had almost no intersection with Nafa and Tang En.

凭什么借钱给他?

And as a first-line star, Nafa Tangen can definitely get it if he wants to get money.

For example, if you look for a bank mortgage, it is not only the actual property rights, but also his personal reputation is quite valuable.

The bank is happy to lend the money to Nafa. Donen, as long as Nafa. Donen is willing to pay higher interest.

Nafa Tangen's eyes showed a little disappointment. No matter what truth or lies Chen Zhao said, they made their conversation deadlock.

"I can mortgage Marina's shares," said Nafa Donn.

Chen Zhao frowned, and fell into deep thought.

First of all, Nafa Donn's Marina Restaurant shares are only 30%, which is not worth $30 million.

However, this is calculated based on market price. If it is based on industry value-added and annual income, Marina Restaurant does have great potential.

But 30% of the shares are still not worth lending to Nafa. Don En.

If 30% of the shares can be mortgaged to borrow $30 million, it will be equivalent to the value of Marina's restaurant of $100 million, which is an obvious inflated height.

Of course, normally, Nafa. Tang En's personal reputation is indeed worth 30 million US dollars.

It would be worth it if you just buy 30% of the shares at a price higher than the market price and then you can control 100% of the shares yourself, but 30 million US dollars is really too high.

“我要考虑一下.”陈曌说道.

"Chan, I'm really tight on the job now, I need to get the money as soon as possible."

"Tang En, I want to get a quick start, but even so, I have to raise funds. Thirty million US dollars is not a small amount. I also want to see if the bank can lend me a loan."

“那最快什么时候能够给我答复?”

“一天吧,给我一天的时间考虑.”

"Okay." Nafa Tangen nodded helplessly: "I won't bother you anymore, have a happy meal."

When he returned to the private room, Chen Zhao seemed to have nothing happened.

However, when they were talking just now, just outside the door, the people inside also heard the content of their conversation.

当然了,卓晓和王鹤都没有就此询问.

After all, this has nothing to do with them, and it is likely to involve some trade secrets.

Zhuo Xiao and Wang He both acted very politely on the dining table.

The four of them were talking about Hollywood.

After the meal, Wang He and Zhuo Xiao politely bid farewell to Chen Zhao's family of three.

At this time, Fali said: "Chen, Nafa. Tang En asked you to borrow money?"

"Well, but I want to ask a professional." Chen Zhao said.

三千万美元,这可不是小数目.

Even if it is a $3 million expenditure, Chen Zhao will calculate it repeatedly, let alone $30 million.

“喂,安德鲁斯先生,我是陈曌.”

“陈先生,有什么事情吗?”

“你记得玛丽娜餐厅吧?”

"Remember, you have a 70% stake in Marina Restaurant. Do you have any plans? Or do you want to use it as a mortgage?"

Marina Restaurant has a very strong revenue capacity, with annual turnover of more than $12 million and net profit of more than $6 million. Moreover, this is not a startup industry, but a mature industry. According to unlisted industries, the annual net income is generally multiplied by ten years, and then subtracted from the depreciation rate of ten years multiplied by 3% of the US dollar per year, so the current market value of the industry can basically be calculated.

If most companies or industries are listed companies, the annual market value increase cannot exceed the depreciation speed of banknotes, then it is equivalent to a loss. If the business ability of unlisted companies cannot exceed the depreciation speed, it is also a loss.

In short, it depends on the stock market when listed, and the revenue ability if not listed.

These two are important criteria for banks to evaluate the quality of the industry.

If Chen Zhao used 70% of Marina Restaurant shares as collateral, the money that the bank could borrow would be about 1.5 to 2 times the actual value of the loan.

In short, the bank is not afraid of you borrowing money, but is afraid that you will pay it back too quickly.

The more money they owe, the higher the interest they will receive.

"No, I'm wondering what the current value of Marina Restaurant is the other 30% stake."

"Hmm? Are you talking about the 30% stake in the restaurant that Mr. Nafa Tangen?"

"right."

"These 30% shares have been mortgaged several times... Mr. Chen, Nafa. Tang En wants to borrow money from you using 30% of the restaurant's shares as collateral?"

"Yes, do you mean that this share has been mortgaged several times?"

Generally, the first mortgage belongs to a high-quality industry, and multiple mortgages require multiple splits and reorganizations. After each split and reorganization, the bank borrows less and less money, and the interest will become higher and higher, and finally reaching the point where the borrower cannot repay it.

Moreover, industries that have been mortgaged cannot be traded, let alone mortgaged multiple times.

In other words, even if Nafa Tangen mortgaged 30% of the restaurant's shares to Chen Zhao, if Nafa Tangen's capital chain was broken, the bank had priority rights. At that time, Chen Zhao could not do anything, at least in terms of legal means, Chen Zhao could not have robbed the bank.

Of course, if this share ends up falling into the hands of the bank, it will be a good thing.

Because banks will definitely sell them to Chen Zhao based on business principles, it is also because the ownership of the shares in Chen Zhao is clear and the bank needs to recover funds.

Or another possibility, banks will find professional managers to take over the industry and conduct profitable business.

However, when individuals have absolute equity, it is impossible for banks to find professional managers because Chen Zhao has absolute decision-making power, and even if the stock god comes, he has no right to point fingers at Chen Zhao.

“纳法.唐恩欠银行多少钱?”

“两亿三千万美元.”

Chen Zhao took a deep breath: "Why do he owe so much money?"

"This guy doesn't know how to manage finances at all. He believed his broker and invested money in an illegal fund. Now that illegal fund has been revealed to be a Ponzi scheme, but the fund's launch has transferred the money, and several leaders have also escaped, such as Nafa. Tang En can only seek legal ways to go offline, hoping to recover the money, but do you think this is possible? If he cannot recover his money, he will go bankrupt. He now mortgages almost all his property in his name."
Chapter completed!