Demons Beside You (The Demons Beside Me)

"Sorry, my liquidity is a little tight recently." Chen Zhao said.

If a friend of his needs money, even if he loses money, or even if he knows he can't pay it, Chen Zhao will take it out.

Even if Gu Lie asked Chen Zhao to borrow money, Chen Zhao would still borrow money.

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

In this way, Chen Zhao can evaluate whether or not his money can be returned, or how much.

But Chen Zhao had almost no interaction with Nafa Tang En.

Why lend him money?

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

For example, when looking for a bank mortgage loan, not only the actual property rights, but also his personal reputation is also quite valuable.

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

Nafa Tang En's eyes showed a bit of disappointment. Regardless of whether Chen Zhao was telling the truth or lies, their conversation was at a deadlock.

"I can use the shares of Marina Restaurant as collateral." Nafa Twain said.

Chen Zhao frowned and fell into deep thought.

First of all, Nafa Twain’s share of Marina Restaurant is only 30%, which is not worth US$30 million.

However, this is based on the market price. If we look at the industrial value added and annual income, Marina Restaurant does have great potential.

But 30% of the shares are still not worth lending Nafa Tang En 30 million US dollars.

If 30% of the shares can be mortgaged and borrowed for US$30 million, it would be equivalent to a value of US$100 million for Marina Restaurant, which is obviously an exaggeration.

Of course, normally speaking, Nafa Twain's personal reputation is indeed worth thirty million US dollars.

If you just buy 30% of the shares at a price slightly higher than the market price, and then you can control 100% of the shares, it would be worthwhile, but $30 million is really too high.

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

"Chen, I'm really tight on money right now. I need to get money as soon as possible."

"Twain, I want to do it as soon as possible, but even so, I have to raise funds. Thirty million US dollars is not a small amount, and I also want to see if the bank can lend me a loan."

"Then when can you give me an answer at the earliest?"

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

"Okay then." Nafa Tang En nodded helplessly: "I won't disturb you anymore. Enjoy your meal."

Back in the box, Chen Zhao acted as if nothing had happened.

But when they were talking just now, the people inside heard their conversation just outside the door.

Of course, neither Zhuo Xiao nor Wang He asked about this.

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

Zhuo Xiao and Wang He both behaved very politely at the dinner table.

The four of them only talked about Hollywood things.

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

Only then did Fali speak: "Chen, Nafa Tang En asked you to borrow money?"

"Well, but I have to ask the professionals." Chen Zhao said.

Thirty million US dollars is not a small sum.

Even if it is three million U.S. dollars in expenditure, Chen Zhao will calculate it again and again, let alone thirty million U.S. dollars.

"Hello, Mr. Andrews, I'm Chen Zhao."

"Mr. Chen, what's the matter?"

"You remember Marina's, right?"

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

The revenue capability of Marina Restaurant is very strong, with an annual turnover of more than 12 million U.S. dollars and a net profit of more than 6 million U.S. dollars. Moreover, this is not a start-up industry, but a mature industry. Calculated according to unlisted industries, it is generally annual Multiply the net income by ten years, then subtract ten years multiplied by the US dollar depreciation rate of 3% per year, and you can basically calculate the current market value of the industry.

Most companies or industries today, if they are listed companies, the annual increase in market value cannot exceed the depreciation rate of banknotes, which is equal to a loss. If the operating capacity of unlisted companies cannot exceed the depreciation rate, they will also suffer losses.

In short, the listed companies look at the stock market, and the unlisted companies look at the revenue capabilities.

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

If Chen Zhao uses 70% of Marina Restaurant's shares as collateral, the bank can lend money that is about 1.5 to 2 times the actual value of the loan.

In short, banks are not afraid of you borrowing money, they are afraid of you paying it back too quickly.

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

"No, I want to know the current value of the other 30% shares of Marina Restaurant."

"Huh? You mean Mr. Nafa Tang En's 30% share in the restaurant?"

"right."

"This 30% share has been mortgaged multiple times... Mr. Chen, does Nafa Tang En want to use 30% of the restaurant's shares as collateral to borrow money from you?"

"Yes, you are saying that this share has been mortgaged multiple times?"

Generally, the first mortgage belongs to high-quality industries, 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 become higher and higher. Finally, The point where the borrower is unable to repay.

Moreover, properties that have been mortgaged cannot be traded, let alone multiple mortgages.

In other words, even if Nafa Tang En mortgages 30% of the restaurant's shares to Chen Zhao, if Nafa Tang En's capital chain is broken, the bank will have priority, and Chen Zhao will be unable to do anything at that time, at least in terms of legal channels. , it is impossible for Chen Zhao to rob a bank.

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

Because the bank will definitely give priority to selling to Chen Zhao based on commercial principles. This is also because the property rights of the shares in Chen Zhao's hands are clear and the bank needs to withdraw funds.

Or there is another possibility: banks find professional managers to take over the industry and conduct profitable operations.

However, generally when an individual holds absolute equity, it is impossible for a bank to find a professional manager, because Chen Zhao has absolute decision-making power, and even the stock god has no right to point fingers at Chen Zhao.

"How much money does Nafa Tang En owe the bank?"

"Two hundred and thirty million dollars."

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

"This guy doesn't know how to manage money at all. He listened to his broker and invested money into an illegal fund. Now that illegal fund has been exposed as a Ponzi scheme, but the fund's upline has transferred the money, and several ringleaders have He has also run away. Downlines like Nafa Tang En can only seek legal channels now, hoping to recover his money, but do you think this is possible? If he cannot recover his money, then he will He will go bankrupt, and now he has mortgaged almost all his property.”