Chapter 1298: let me consider it

"Sorry, my liquidity has been a bit tight recently," Chen said.
If it is his own friend who needs money, even at a loss, even knowing that it is not yet available, Chen Ye will take the money out.
Even if Gu Lie asked Chen Ye to borrow money, Chen Ye would borrow money.
Because they have been in close contact, they know each other well.
In this way, Chen Yi can assess whether his money can be returned, or how much.
However, Chen Xuan had little intersection with Nafa Tang En.
Why loan him money?
Moreover, as a first-line star, Nafa Tangen can definitely get it if he wants to get money.
For example, to find a bank mortgage loan, it is not just the actual property rights. His personal reputation is also quite substantial.
The bank would be happy to lend money to Nafa Down, as long as Nafa Down is willing to pay higher interest.
Nafa Tang En's eyes were a little disappointed, no matter the truth or falsehood of Chen Yong's words, they had brought their conversation to a deadlock.
"I can use the shares in Marina Restaurant as collateral," said Nafa Down.
Chen Kun frowned, but also lost in thought.
First of all, Nafa Down's Marina restaurant share is only 30%, not worth $ 30 million.
However, this is calculated according to the market price. If the value-added industry and annual income are concerned, the Marina restaurant does have great potential.
But 30% of the shares are still not worth lending to Nafa Down for $ 30 million.
If 30% of the shares can be mortgaged for 30 million US dollars, then it is equivalent to Marina Restaurant value of 100 million US dollars, which is an obvious inflated value.
Of course, in normal terms, Nafa Down's personal reputation is indeed worth $ 30 million.
If you only buy 30% of the shares at a price higher than the market price, and then you can own 100% of the shares, it is worth it, but the $ 30 million is really too high.
"I want to think about it," Chen Yan said.
"Chen, I'm really tight now, I need to get the money as soon as possible."
"Tang, I want to do it as soon as possible, but even so, I have to raise funds. Thirty million dollars is not a small amount. I will also see if the bank can lend me.
"When can you reply to me as soon as possible?"
"One day, give me a day to think."
"All right." Nafa Tang En nodded helplessly: "I won't bother you, and enjoy your meal."
Back in the box, Chen Yan seemed as if nothing had happened.
But just when they were talking, they were outside the door, and the people inside also heard their conversation.
Of course, neither Zhuo Xiao nor Wang He asked about this.
After all, this is not relevant to them, and it is likely to involve some trade secrets.
Zhuo Xiao and Wang He were very polite at the table.
The four were talking about some Hollywood things.
After the meal, Wang He and Zhuo Xiao politely bid farewell to the three families of Chen Zhen.
Only then did Fa Li start: "Chen, Nafa. Tang En asked you to borrow money?"
"Well, but I have to ask the professionals." Chen Yan said.
Thirty million dollars, this is not a small amount.
Even if the expenditure is three million US dollars, Chen Yong will repeatedly calculate, let alone 30 million US dollars.
"Hey, Mr Andrews, this is Chen Ye."
"Mr. Chen, is there anything?"
"Do you remember Marina Restaurant?"
"Remember, you have a 70% stake in Marina Restaurant. Do you have any plans? Or will you use it as a mortgage?"
Marina Restaurant has a very strong revenue capability, with annual turnover of more than 12 million US dollars and net profit of more than 6 million US dollars. Moreover, this is not a startup industry but a mature industry. According to unlisted industries, it is generally annual. Multiplying net income by ten years and subtracting ten years from the depreciation rate of 3% of the US dollar each year can basically calculate the current market value of the industry.
Most companies or industries nowadays, if they are listed companies, the annual increase in market value cannot exceed the rate of depreciation of banknotes, then it is equal to a loss, and the operating capacity of unlisted companies cannot exceed the rate of devaluation and loss.
In short, it is the stock market that is listed, and the revenue ability that is not listed.
These two are important criteria for banks to evaluate the quality of the industry.
If Chen Min used 70% of the shares of Marina Restaurant as collateral, the money that the bank could borrow was about 1.5 to 2 times the actual value of the loan.
In a word, the bank is not afraid that you will borrow money, but you will pay back too quickly.
The longer they owe money, the higher the interest they will definitely receive.
"No, I want to know the other 30% stake in Marina Restaurant, the current value."
"Huh? You mean 30% of the restaurant in the hands of Mr. Napha Down?"
"Correct."
"The 30% shares have been mortgaged for many times now ... Mr. Chen, Nafa. Tang En wants to use the restaurant's 30% shares as collateral to borrow money from you?"
"Yes, you mean this share has been mortgaged multiple times?"
Generally, the first mortgage is a high-quality industry, and multiple mortgages require multiple splits and reorganizations. After each split and reorganization, the bank will borrow less and less money, and the interest will be higher and higher. To the extent that borrowers cannot repay.
And the mortgaged industry cannot be traded, let alone mortgaged multiple times.
That is to say, even if Nafa Tang En mortgages 30% of the restaurant to Chen Ye, if Nafa Tang En's capital chain breaks, the bank has priority rights. At that time, Chen Ye could not do anything, at least in legal ways. It is impossible for Chen Kun to grab a bank.
Of course, if this share finally falls into the hands of the bank, it will be a good thing.
Because the bank will definitely sell to Chen Wei based on commercial principles. This is also because the property rights of the shares in Chen Wei's hands are clear, and the bank needs to return the funds.
Or it may be another possibility, the bank seeks professional managers to take over the industry and conduct profitable business.
However, in general, when individuals have absolute equity, it is impossible for a bank to find a professional manager, because Chen Ye has absolute decision-making power, and even if a stock comes, he has no right to point at Chen Ye.
"How much does Nafa Tangen owe the bank?"
"230 million dollars."
Chen Huan took a breath and said, "Why did he owe so much money?"
"This guy didn't know how to manage money at all. He believed his broker and put money into an illegal fund. Now that illegal fund has been exposed as a Ponzi scheme, but the fund's on-line has transferred the money and several leaders It ’s already gone, like Nafa. Down ’s offline can now only seek legal ways, hoping to recover money, but do you think this is possible, if he ca n’t recover his money, then he will It will go bankrupt, and he has now mortgaged almost all his property. "