„Sorry, I the floating capital also somewhat was recently tight.” Chen Zhao said. “抱歉,我最近流动资金也有些紧。”陈曌说道。 If own friend needs money, even if loses money, even clear(ly) knew unable to return, Chen Zhao will also take money. 如果是自己的朋友需要钱,哪怕是亏本,甚至明知道还不上,陈曌也会把钱拿出来。 Even if Julie looks for Chen Zhao to lend money, Chen Zhao will still lend money. 甚至就算是古烈找陈曌借钱,陈曌也会借钱。 Because they have had the quite close contact, therefore to each other is knows the whole story. 因为他们有过比较密切的接触,所以对彼此算是知根知底。 Such Chen Zhao can appraise, can own money come back, or returns to the original topic many. 这样陈曌就能评估,自己的钱能不能回来,或者说回来多少。 But Chen Zhao to Nefa. Tang, has almost no happening together. 可是陈曌对纳法.唐恩,却几乎没什么交集。 Why to lend him? 凭什么借钱给他？ And Nefa. Tang as celebrity , he if must get so far as money, absolutely can make. 而且纳法.唐恩作为一线明星,他如果要弄到钱的话,绝对可以弄的到。 For example looks for the bank mortgage loan again, incessantly is the material equity, his reputation/honorary similarly is suitable has the gold content. 比如说再找银行抵押贷款,不止是实际产权,他个人的名誉同样是相当的有含金量。 The bank is glad to lend Nefa money very much. Tang, so long as Nefa. Tang is willing to pay a higher interest. 银行很乐意把钱借给纳法.唐恩,只要纳法.唐恩愿意支付更高的利息。 Nefa. In Tang eyes reveals several points of disappointment, the truth or the lie that no matter Chen Zhao told, make their conversations reach the impass. 纳法.唐恩的眼中露出几分失望,不管陈曌说的真话还是假话,都让他们这次的交谈陷入僵局。 „I can take the stock of Mary elegant restaurant as the mortgage.” Nefa. Tang said. “我可以把玛丽娜餐厅的股份作为抵押。”纳法.唐恩说道。 During the Chen Zhao knitting the brows head, is also lost in thought. 陈曌皱了皱眉头,同时也陷入沉思之中。 First a point, Nefa. Tang Mary elegant restaurant stock only then 30, are not worth 30 million US dollars. 首先一点,纳法.唐恩的玛丽娜餐厅股份只有30,不值得三千万美元。 However this is according to the market price calculates that if according to the industrial increment and years income, the Mary elegant restaurant indeed has the potential very much. 不过这是按照市价来算的,如果按照产业增值以及年收益来说,玛丽娜餐厅的确很有潜力。 But 30 stocks are still not worth letting lend Nefa. Tang 30 million US dollars. 可是30的股份依然不值得让借给纳法.唐恩三千万美元。 If 30 stocks can mortgage loan 30 million US dollars, was equivalent to Mary elegant restaurant value 100 million US dollars, this was the obvious equivalent height. 如果30的股份能够抵押借款三千万美元,那么就相当于玛丽娜餐厅价值一亿美元了,这是明显的虚高。 Naturally, normal Nefa. Tang individual reputation, indeed is worth 30 million US dollars. 当然了,正常来说纳法.唐恩个人名声,的确值得三千万美元。 If higher than a point price to buy up 30 stocks the market price, then oneself can have 100 stockholder's rights, is worth actually, was 30 million US dollars is too high. 如果只是比市价高一点的价格买进30的股份,然后自己能够掌握100的股权,倒是值得的,可是三千万美元真的太高了。 „I must consider.” Chen Zhao said. “我要考虑一下。”陈曌说道。 „Chen, I now am very on hand tight, I need as soon as possible getting so far as money.” “陈,我现在手头真的很紧,我需要尽快的弄到钱。” „Tang, I also wants as soon as possible, to be even so, I must raise the fund, 30 million US dollars are not the small numbers, I must have a look at the bank whether can make loans to me.” “唐恩,我也想尽快,可是即便如此,我也要去筹集资金吧,三千万美元不是小数目,我还要看看银行是否能够给我放贷。” „When can that answer to me most quickly?” “那最快什么时候能够给我答复？” „A day, gives me a day of consideration.” “一天吧,给我一天的时间考虑。” „Good.” Nefa. Tang somewhat helpless nod: „I did not disturb you, dined happily.” “那好吧。”纳法.唐恩有些无奈的点点头:“我就不打扰你了,用餐愉快。” Returns to the theater box, Chen Zhao imitates such as anything not to happen is the same. 回到包厢里,陈曌又彷如什么事都没发生过一样。 However they talked a moment ago, in out of the door, inside person also heard their talk content. 不过刚才他们谈话的时候,就在门外,里面的人也听到了他们的谈话内容。 Naturally, outstanding understands and king He had not inquired. 当然了,卓晓和王鹤都没有就此询问。 After all this has nothing to do with them, moreover likely involves some business secrets. 毕竟这是与他们无关,而且很可能涉及到一些商业机密。 On the table outstanding understands and king He displays is very polite. 餐桌上卓晓和王鹤都表现的很有礼貌。 Four people chatted was also only some things of Hollywood. 四个人聊的也只是一些好莱坞的事情。 After the meal, king He and outstanding understand very politely said goodbye with the Chen Zhao family of three. 餐后,王鹤和卓晓很礼貌的与陈曌一家三口告别。 At this time Fali opened the mouth: „Chen, Nefa. Tang does ask you to lend money?” 这时候法丽才开口:“陈,纳法.唐恩找你借钱？” „Un, but I must ask the professional.” Chen Zhao said. “嗯,不过我要问一下专业人士。”陈曌说道。 30 million US dollars, this is not the small number. 三千万美元,这可不是小数目。 Even if 3 million US dollars disbursement, Chen Zhao will calculate over and over, let alone is 30 million US dollars. 哪怕是三百万美元的支出,陈曌都会再三的计算,更何况是三千万美元。 „Hey, Mr. Andrews, I am Chen Zhao.” “喂,安德鲁斯先生,我是陈曌。” „Does Mr. Chen, what matter have?” “陈先生,有什么事情吗？” „Do you remember the Mary elegant restaurant?” “你记得玛丽娜餐厅吧？” „Remembers, under your name has the Mary elegant restaurant 70 stocks, what do you have to plan? Can bring as the mortgage loan?” “记得,您名下有玛丽娜餐厅70的股份吧,您是有什么计划吗？或者是要拿来作为抵押贷款？” The earning ability of Mary elegant restaurant is strong, every year running water exceeds 12 million US dollars, the net profit exceeds 6 million US dollars, moreover this is not the undertaking industry, but is the mature industry, by industrial computation that has not gone on the market, generally is the years net income is multiplied by for ten years, subtracts for ten years to be multiplied by every year 3 dollar devaluation speeds again, basically can figure out this/should industrial the present market value. 玛丽娜餐厅的营收能力非常强,每年的流水超过一千两百万美元,净利润超过六百万美元,而且这不是创业产业,而是成熟产业,按照未上市的产业计算,一般是年净收入乘以十年,再减去十年乘以每年三的美元贬值速度,基本上就能够算出该产业的现在市值。 Most companies or industries of present, if the listed company, the market value year increase cannot exceed the bill depreciation speed, is equal to losing money, the operation capacity of un- listed company cannot exceed the depreciation speed also to lose money. 现在的大部分公司或者产业,如果是上市公司,市值年涨幅不能超过钞票贬值速度,那么就等于亏损,未上市公司的营业能力不能超过贬值速度也是亏损。 In brief is the listing looks at the stock quotation, has not gone on the market looks at the earning ability. 总之就是上市的看股票行情,未上市的看营收能力。 These two are the bank appraise the industrial quality the important criterion. 这两者就是银行评估产业质量的重要标准。 If Chen Zhao takes the Mary elegant restaurant 70 stocks as the mortgage, money that the bank can borrow is about the real value 1.52 times of loans. 如果陈曌把玛丽娜餐厅70的股份作为抵押,银行能够借出来的钱大约是实际价值1.52倍的贷款。 In brief a few words, the bank does not fear you to lend money, feared your is also too quick. 总之一句话,银行不怕你借钱,就怕你还的太快。 The owed money are more is longer, the interest that they receive is definitely higher. 欠的钱越多越久,他们收到的利息肯定越高。 „No, I want to know Mary elegant restaurant another 30 stocks, current value.” “不,我是想知道玛丽娜餐厅另外30股份,目前的价值。” „Un? You mean Nefa. Tang first restaurant 30 stocks on poor hand?” “嗯？您是说纳法.唐恩先生手上的餐厅30股份？” „Right.” “对。” „These 30 stocks have conducted have mortgaged...... Mr. Chen repeatedly, Nefa. Tang does whether or not want to borrow money as the mortgage from you with the restaurant 30 stocks?” “这30股份目前已经进行了多次抵押……陈先生,纳法.唐恩是不是想用餐厅30股份作为抵押向您借钱？” „Yes, you were said that this stock had been mortgaged repeatedly?” “是,你是说这个股份已经被多次抵押了？” Generally the first mortgage is the high-quality industry, but mortgages repeatedly needs to analyze the reorganization repeatedly, each time after resolution reorganization, money that the bank borrows will also be getting fewer and fewer, but the interest will also be getting higher and higher, finally to the situation that lending is unable to repay. 一般第一次抵押属于优质产业,而多次抵押就需要多次拆分重组,每次拆分重组之后,银行借的钱也会越来越少,而利息也会越来越高,最后到借贷者无法偿还的地步。 Moreover the mortgaged industry, cannot carry out the transaction, mortgages let alone repeatedly. 而且已经抵押的产业,是不能进行交易的,更何况是多次抵押。 In other words, even Nefa. Tang restaurant 30 stock mortgage to Chen Zhao, if Nefa. Tang funding chain break, the bank has the preferential rights, at that time Chen Zhao was also helpless, at least in the legal way, Chen Zhao is not the bank that is possible to snatch. 也就是说,即便纳法.唐恩把餐厅30股份抵押给陈曌,如果纳法.唐恩的资金链断裂,银行是具有优先权利的,那时候陈曌也无能为力,至少在法律途径上,陈曌是不可能抢的过银行的。 Naturally, if this stock falls to the bank hand in finally, instead is a good deed. 当然了,如果这个股份最后落到银行手中,反而是一件好事。 Because the bank will definitely base on the business principle, first sells to Chen Zhao, this is also because the stock property rights in Chen Zhao hand are clear, the bank needs fund re-steaming. 因为银行肯定会基于商业原则,优先出售给陈曌,这也是因为陈曌手中的股份产权清晰,银行又需要资金回笼。 Is another possibility, the bank asks the professional manager to take over control of this/should industry, conducts the profit-making business. 或者是另外一种可能,银行找职业经理人接管该产业,进行盈利性营业。 However generally is having the absolute stockholder's rights in personally the situation, the bank is impossible to look for the professional manager, because Chen Zhao has the absolute decision-making power, even the stock god came not to have the right to gesticulate to Chen Zhao. 不过一般在个人掌握绝对股权的情况下,银行是不可能找职业经理人的,因为陈曌具有绝对的决策权,就算是股神来了也没权利对陈曌指手画脚。 „Nefa. How much money Tang does owe the bank?” “纳法.唐恩欠银行多少钱？” „230 million US dollars.” “两亿三千万美元。” Chen Zhao holds breath cold air: „How does he owe so much money?” 陈曌倒吸一口凉气:“他怎么欠这么多钱的？” „This fellow does not understand the finance completely, believed the words of own manager, puts in money into the illegal fund, now that illegal fund was exposed as the Pang fraud, is online of this fund already money shift, and several chieftains had also run away, probably Nefa. Tang this winding can only seek the legal way now, hopes that can pursue to bring in money, but you feel this possibility, if he is unable to recover oneself money, then he will go bankrupt, he almost under all properties the name mortgages now.” “这家伙完全不懂得理财,听信了自己的经纪人的话,将钱投入到非法基金中去,现在那个非法基金被揭露为庞氏骗局,可是这个基金的上线已经将钱转移,并且几个头目也已经跑掉了,像是纳法.唐恩这种下线现在只能寻求法律途径,希望能够追讨回来钱,可是你觉得这可能吗,如果他无法追回自己的钱,那么他将会破产,他现在几乎把名下所有的财产都抵押了。”