Chapter 1287

"I'm sorry, but I've been running short of liquidity recently." Chen said.

If his friends need money, even if they lose money, even if they know it's not enough, Chen Yu will take it out.

Even if Gulei asked Chen to borrow money, Chen would also borrow money.

Because they had close contact with each other, they knew each other well.

In this way, Chen can assess whether his money can be returned, or how much.

However, Chen Yu had little interaction with NAFA Donne.

Why lend him money?

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

For example, looking for a bank mortgage is not only the real property right, but also his personal reputation is quite valuable.

The bank would be happy to lend the money to NAFA Downe, as long as NAFA Downe is willing to pay higher interest.

NAFA Donne's eyes showed some disappointment. Whether Chen Yu said the truth or the lie, they all fell into a deadlock in this conversation.

"I can mortgage my stake in marina." Said NAFA Downe.

Chen Yu frowned and fell into deep thought.

First of all, NAFA Downe's Marina is only 30% owned, not worth $30 million.

But it's based on the market price. In terms of industry value-added and annual income, Marina restaurant has great potential.

But the 30% stake is still not worth borrowing $30 million from NAFA Downe.

If 30% of the shares can be mortgaged for $30 million, it will be equivalent to $100 million of marina's restaurant, which is obviously a false high.

Of course, normally speaking, NAFA Downe's personal reputation is worth 30 million dollars.

It's worth buying 30% of the shares at a higher price than the market price, and then controlling 100% of the shares, but 30 million dollars is really too high.

"I want to think about it." Chen said.

"Chen, I'm really short of money now. I need to get the money as soon as possible."

"Donne, I'd like to do it as soon as possible, but even so, I'm going to raise money. Thirty million dollars is not a small amount. I'll see if the bank can lend to me."

"When can I get back to you as soon as possible?"

"One day, give me a day to think about it."

"Well then." NAFA Donne nodded helplessly: "I won't disturb you. Have a good meal."

Back in the box, Chen Yu seemed as if nothing had happened.

But when they were talking just now, they were outside the door, and the people inside heard what they were talking about.

Of course, neither Zhuo Xiao nor Wang he asked about it.

After all, it has nothing to do with them, and probably involves some trade secrets.

Zhuo Xiao and Wang he are very polite on the table.

Four people are just talking about Hollywood.

After the meal, Wang he and Zhuo Xiao said goodbye politely to the three members of Chen Yu's family.

At this time, fari said, "Chen, NAFA. Donne asked you to borrow money?"

"Well, but I'd like to ask a professional." Chen said.

Thirty million dollars, that's not a small amount.

Even if it is $3 million, Chen will calculate it again and again, let alone $30 million.

"Hello, Mr. Andrews. This is Chen Yu."

"Mr. Chen, what can I do for you?"

"Do you remember marina's?"

"Remember, you have a 70% stake in Marina restaurant. Do you have any plans? Or as a mortgage? "

Marina restaurant has a very strong revenue capacity, with annual running water of more than 12 million US dollars and net profit of more than 6 million US dollars. Moreover, this is not a start-up industry, but a mature industry. According to the calculation of unlisted industries, generally the annual net income is multiplied by 10 years, and then the depreciation rate of 10 years multiplied by 3% per year is subtracted. Basically, the current market value of this industry can be calculated 。

Most companies or industries now, if they are listed companies, the annual increase in market value cannot exceed the depreciation rate of banknotes, then it is equal to a loss, and the operating capacity of unlisted companies cannot exceed the depreciation rate is also a loss.

In short, it is the stock market that is listed, and the ability of revenue that is not listed.

These two are the important standards for banks to evaluate the industrial quality.

If Chen Yu takes 70% of marina's shares as a mortgage, the money the bank can lend is about 1.5-2 times the actual value of the loan.

In a word, the bank is not afraid that you can borrow money, but that you can repay it too soon.

The more money they owe, the more interest they must receive.

"No, I'd like to know another 30% stake in marina's restaurant, its current value."

"Well? Do you mean that Mr. NAFA Downe owns 30% of the restaurant? ""Yes."

"The 30% shares have been mortgaged several times Mr. Chen, would NAFA Donne like to borrow money from you with 30% of the restaurant's shares as collateral? "

"Yes, you mean the share has been mortgaged several times?"

Generally, the first mortgage belongs to the high-quality industry, and multiple mortgages need to be split and restructured many times. After each split and restructure, the bank will borrow less and less money, and the interest will be higher and higher, and finally to the point where the borrower can not repay.

And the industry that has been mortgaged cannot be traded, let alone mortgaged many times.

That is to say, even if NAFA tang'en mortgages 30% of the restaurant's shares to Chen Yu, if NAFA tang'en's capital chain breaks and the bank has priority rights, Chen Yu can't do anything at that time, at least in the legal way, Chen Yu can't rob the bank.

Of course, if the shares end up in the hands of the bank, it's a good thing.

Because the bank will be based on the commercial principle and give priority to Chen Yu, this is also because Chen Yu's share ownership is clear and the bank needs funds to withdraw.

Or it's another possibility that banks find professional managers to take over the industry and conduct profitable business.

However, it is impossible for a bank to find a professional manager when an individual holds the absolute equity, because Chen has the absolute decision-making power, even if the stock god comes, he has no right to direct Chen.

"How much does NAFA Donne owe the bank?"

"US $230 million."

Chen took a breath of cool air and said, "why does he owe so much money?"

"This guy doesn't know how to manage money at all. He listened to his broker and put money into the illegal fund. Now the illegal fund has been exposed as Ponzi's fraud, but the online fund has transferred the money, and several leaders have run away, such as NAFA downer, who can only seek legal ways to recover the money, But do you think it's possible? If he can't recover his money, he will go bankrupt. He has mortgaged almost all his property now. "