The Richest Man Starts From Falling In Love - Chapter 574

Was named.

Uh.

Chu Yao felt a little painful.

The debt ratio is low, and it is not a good thing not to borrow money from the bank.

The debt ratio does not represent the strength of the company.

High or low can not explain any problems.

The main reason why I have not had a bank loan is that it is troublesome.

I can’t spend all the money I have brushed out. If I’m free to go to the bank to borrow money?

You have to give it interest!

On the contrary, banks often find themselves to borrow money to complete some storage tasks, or occasionally money shortages, fund borrowing and so on.

However, at this moment, almost everyone was looking at him and looking at the look in the old professor’s expectant eyes, Chu Yao naturally didn’t persuade him, and got up on the podium.

Stand upright.

“Maybe it’s because my life is relatively simple, I’m very economical in food, clothing, housing, and transportation, and I never spend a lot of money, so it really doesn’t cost much.”

Chu Yao joked first.

Naturally, it caused a roar of laughter.

How much money can be spent on these?

That’s the first layer of financial freedom.

“You are quite humorous, come on, talk about it, based on what kind of considerations?”

The boss asked the question seriously, and at the same time looked at Chu Yao curiously.

I am really curious.

Such a large company with such a low debt-to-asset ratio is hardly rare among all the companies in the country. It is the only one that scorpion shit.

You know, even cash cows like Huawei or Lao Ganma, or even giants such as Ali and Penguin, will definitely borrow money from the bank.

Not because of lack of money.

It is because it is necessary to make full use of capital leverage to do bigger things.

From this perspective, no bank loan is not necessarily a good thing for the company.

In fact…

This kind of situation generally exists in small and micro enterprises whose business conditions are not very good, but even for small and micro enterprises, the reason is not that they do not borrow, but that they cannot borrow.

So at this moment, he faintly feels that this is a unique “economic phenomenon” that is worth discussing and studying.

…

“Actually, I still borrow it.”

“In the beginning, when I bought the company’s first headquarters building, I borrowed one billion, and of course it has now been paid off. When I needed urgent financing, I also borrowed 10 billion. , Of course it was paid off later.”

“So it’s not that I haven’t borrowed it, but I don’t need it most of the time. Although there is a large line of credit, the company seldom uses it.”

“I basically admit that this is because our company’s financial level is relatively low, and the capital utilization rate is also low. We are better at practicing internal strength. When the company is on the right track, it starts to generate positive cash flow. In addition, it is more important to be listed now. No need for bank loans.”

Chu Yao said neither humble nor arrogant.

It is also inevitable to feel emotion in my heart.

The first time I borrowed money from a bank, that one billion, why didn’t I have that kind of thought?

——It’s your own earning, and the bank’s losing it.

But now, I don’t have this thought at all, and I can’t spend it anymore.

Chu Yao’s words made the eyes of almost everyone in the class complicated.

Especially real estate companies.

In the back row, Sun Xiang looked at the stage with scorching eyes, his expression and eyes were extremely speechless, no matter what Chu Yao said, it was full of Versailles in his ears.

It’s so irritating!

…

“Could you please tell me how much cash reserves you have now?”

The boss began to ask again, his expression kind and kind.

However, Chu Yao guessed that he must be digging a hole for himself, hesitated for a moment, and said, “It’s not much, and the life is quite nervous.”

Chu Yao would definitely not say the specific amount.

In fact, I don’t even know how much money I have.

At this moment, I will probably make a mental calculation. The liquidity that can be used at any time is estimated to be at the level of 100 billion, plus US stocks.

This number, I was a bit taken aback.

The boss glanced at Chu Yao and couldn’t help but laugh out loud.

By the way, he explained: “If you see it or not, those who really make a fortune in a muffled voice are like this. Only those who are bluffing, for fear that others think they have no money, will say that there are 300 billion liquid funds in the company’s account.”

There was a slight laughter in the classroom again.

This was what Xu Tingyi had done before, and now he was ridiculed on the spot. Maybe this big guy didn’t deal with that one.

However, many people can’t laugh at all.

Why is this just a question of a person with a belt?

To put it bluntly, many large companies borrow most of their money from banks.

Once the financial environment is tightened, you will have to ask for more blessings.

…

“Okay, excuse me, please go back to your seat, President Chu, let’s come down and talk.”

After asking two questions, he also realized that Chu Yao seemed a little resistant to this topic, so he didn’t ask any more.

It was just through this gimmick that brought out today’s courses and topics logically.

Open the courseware, and a table of average asset-liability ratios of various industries appears on the screen.

Real estate naturally topped the list, reaching over 80%.

Architectural decoration comes next, with 75%.

Industries such as automobiles, steel, machinery, electronics, chemicals, and agriculture are basically around 50%.

The lowest is the Internet, media, food and beverage and other tertiary industries, or the industry itself is cash cows, about 30%-40%.

This is a macroeconomic data table, which has no effect on actual operations, but it is more useful to increase knowledge and broaden your horizons.

Following his explanation, Chu Yao also listened with gusto.

This person has a high level of practical operation, extremely rich theory, and is very good at combining, the speech is grounded, humorous, and the quality of the course can be said to be quite high.

…

“So how much cash does your company have? (Curious) (Curious

While listening to the class, the phone vibrated. Chu Yao glanced at it and saw that Qin Shengnan, who had just joined, sent himself a message.

Chu Yao: “Then I also ask you a question.”

She: “Huh?”

Chu Yao: “What color underwear do you wear today?”

When one question went down, she suddenly stopped talking.

I wanted to use my gender advantage to ask some sensitive topics, but I didn’t expect Chu Yao to be a gangster.

Moreover, there is nothing to say, after all, the sensitive question I asked first.

Isn’t this question of how much money the company has is equivalent to asking a person the color of their underpants?

deficit!

Blood loss ~ www.mtlnovel.com ~ stingy man!

…

One class, one and a half hours passed quickly, and Chu Yao still felt a little unsatisfied.

But since get out of class is over, it’s hard to say anything.

only……

Soon Chu Yao received a message from the “counselor”, that is, the organizer’s docking staff: “Mr. Chu, take the liberty to bother me, Mr. Qian asked if you have time at noon. If so, I would like to invite You have lunch together.”

…

…

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