Dawn Spider

Chapter 178 Selling Bonds
After leaving Yilan Mountain, we returned via the same route.

Silver walked ahead, manipulating an extremely thin spider silk, which spun and cut through the dense forest branches and leaves to clear a path for Taro behind.

Sky Blue followed Taro, flying at extremely low altitudes through the dense forest, constantly maneuvering up, down, left, and right to dodge oncoming branches and leaves.

"Yin, where to next?"

“Return to Silky Mountain.”

"Um...aren't you going to issue bonds?"

"Go back to Sikui Mountain, report the situation to Fourth Brother, and take Taro back with you. It walks too slowly and is a burden."

"..."

"Whoa! Whoa! Whoa!"

The taro shook its leaves in protest.

Yin ignored Taro, pondered for a moment, and said, "As we all know, Lord Yunzhang is preparing to break through to the Insect King realm. When we pass by Sumu Peak, we can ask Lord Yunzhang if he's interested in buying some bonds."

"what?"

Tianlan was puzzled. "Lord Yunzhang is preparing to break through to the Insect King level, which is exactly when he needs resources. He certainly wouldn't buy bonds!"

"fool!"

Yin Youyou said, "The Cloud Camphor Lord has just evolved to the 9th stage and plans to break through to the next stage in 8 years. So we can sell it 5-year short-term bonds, the 2% annual interest rate is not low."

"Five years of recuperation, accumulating resources, and then the bonds will mature in five years. We'll receive the divinely bestowed primal force food with interest, start using it, and prepare for a breakthrough. Isn't that perfect?"

"Furthermore, Tianlan, think about it. Why did Lord Yunzhang recuperate for 8 years? Why not a round number of 10 years? It's because Su Mufeng is wealthy, and he also has a newly promoted Flame Camphor Spider King protecting him. It's not hard to guess that Lord Yunzhang wanted to consume all the divinely bestowed primal force food to ensure that his breakthrough was foolproof."

"A 9-year-old lord, consuming the full amount of divinely bestowed seed energy food, would need approximately 8 million units, consuming 800 million units annually, for a total of 100 years. Therefore, this means that Lord Cloud Camphor has 100 million units of divinely bestowed seed energy food resources every year, understand?"

"Oh!"

Tianlan suddenly realized and exclaimed, "Yin, you're so smart!"

Tian Lan, without being taught, said, "The resources lent to Lord Tianqing Mountain will not be repaid in 5 years. Therefore, when the bonds mature in 5 years, they will need to be reissued. Although it is a bit troublesome, there is a 1% interest rate difference, which is very worthwhile."

“A 5-year bond worth 1 million can generate an interest spread of 100 per year.”

“Tianqing Mountain Master needs to borrow 550 million. If possible, issue as many 5-year bonds as possible. The annual interest rate spread will be quite considerable.”

"That's right!"

Yin Zan said, "Tian Lan, you're very smart too!"

Tian Lan said, "I can't compare to you and Jin."

"Splash! Splash! Splash..."

Taro was overjoyed and kept shaking its leaves in celebration.

After a round of mutual flattery, we happily continued our journey.

They stopped in the wilderness in the middle of the night to forage and rest.

We set off early the next morning, heading north.

We arrived at Sumu Peak at noon.

"Lord Sumu!"

"Lord Sumu!"

Yin was quite familiar with Su Mufeng and knew the way well. He headed straight for Lord Yunzhang's cave, calling out as he went.

Lord Yunzhang is not here.

A spiritual force drifted over from the neighboring cave.

Su Mufeng's former third-in-command, the Lord of the Camphor Trees.

Lord Flame Camphor has been promoted to Flame Camphor Spider King, and according to the rules, it must migrate to Haimeng Mountain to settle down. After the Flame Camphor Spider King left, Lord Cloud Camphor naturally became the head of Sumu Peak, and Lord Oil Camphor also became the second-in-command.

Now that Lord Cloud Camphor is preparing to break through to the Spider King realm, Lord Oil Camphor is handling all the affairs, big and small, of Su Mufeng.

"Lord Camphor Tree!"

Silver called out affectionately.

"Splash! Splash!"

"Greetings, Lord Camphor Tree Lord!"

Taro and Sky Blue greeted them in return.

Lord Camphor Tree asked suspiciously, "Yin, do you have something to discuss with Lord Cloud Camphor Tree?"

"Something came up..."

Silver flew swiftly to the cave where Lord Camphor Tree lived.

The hemispherical cave, with a radius of over forty meters, was filled with various kinds of food containing primal energy, in bags of all sizes.

What a coincidence!
Lord Camphor Tree, along with the two mountain lords, Incense Tree and Sassafrass Tree, were sorting and packing the Force food they had just exchanged from the kingdom's warehouse, which would then be distributed to the Flame Spider warriors below.

"Master of Yinxiang Mountain!"

"Lord of Sasawood Mountain!"

"Whoosh~ La la la~"

"..."

Greet each other when you meet.

Lord Samu asked again, "Yin, are you looking for Lord Yunzhang?"

"Yes."

A spider silk pouch on the silver control armor opened, and a sample bond floated out, hovering in front of Lord Oil Camphor. He cut to the chase, saying:

"These are bonds issued under our Silky Mountain Project..."

The Lord of Yinxiang Mountain exerted his power, forcibly controlling the spider silk scroll to float and hover in front of him, scrutinizing it intently, and asked with a question, "Bonds? What new trick has that Jin fellow come up with this time?"

Yin explained succinctly: "Bonds mean that we, Silk Sunflower Mountain, borrow divinely bestowed food resources from the Flame Spider Warriors of other mountains for a fee."

Yin Xiao trotted forward and stood next to the Yinxiang Mountain Master. He pulled out a spider silk thread, manipulated it, and began to explain:
“这是一张10年期的债券。这一排字符的意思是债券面额10万原石。这一排字符代表的是，债券发行日期，商陆13年1月1日……”

The Lord of Yinxiang Mountain raised his paw to interrupt, asking, "What does '13 years of Shanglu' mean?"

"It's a dating system."

Yin replied, "The Pokeweed Seed is the most unique and powerful divinely bestowed seed to date in the natural pantheon. That's why my fourth brother used 'Pokeweed' as the year name to track how many years have passed."

"This bond is a sample woven last year. It's from the time my fourth brother awakened his Force talent and became a Force Warrior. Last year was the 13th year since my fourth brother awakened his Force, so it's Shang Lu 13 years. This year is Shang Lu 14 years, and next year will be Shang Lu 15 years."

"..."

Lord of Camphor Tree, Lord of Incense Mountain, and Lord of Sassafras Mountain all glanced at him coldly: Is this year appropriate?

"This is the era name that our Silk Sunflower Mountain set up for the convenience of calculating time..."

Yin explained for a moment, then continued:
"This line of characters means that 130,000 raw stones can be redeemed upon maturity. The line of characters below is the redemption date, January 1st, Shanglu 23rd year." "From Shanglu 13th year to Shanglu 23rd year, a total of 10 years, the annualized interest rate of the bond is 3%."

"A divinely bestowed food worth 10 Primogems. Purchase one of these vouchers, and in 10 years, you can redeem a divinely bestowed food worth 13 Primogems from us!"

Upon hearing this, Yinxiang and the Lord of Samu Mountain's eyes lit up, their interest piqued.

"From 10 to 13?"

"Does a 3% annualized interest rate mean I'll have to pay an extra 3 in interest when I repay the loan?"

"That's right! Give me an extra 3!"

Yin proactively explained, "We will lend the resources we obtain through bond issuance to other Zerg warriors who urgently need them for growth and evolution, such as Lord Tianqing of Yilan Mountain..."

"Tian Qing?"

Lord Camphor Tree stood up and asked, "Silver, Taro, and this blue bee warrior, what brought you three to Yilan Mountain?"

Silver replied, "Yes."

Lord Youzhang asked, "Did Tianqing agree to borrow from you?"

Yin said, "It's settled. Lord Tianqing plans to borrow 550 million raw stones in batches to speed up the breakthrough to the Lord level."

Lord Camphor Tree asked, "When you lend money out, you also charge interest, right? How much?"

"It's still a 3% annualized interest rate."

Yin said, "Without the incentive of profit, no insect would be willing to lend resources to Lord Tianqing Mountain, including Su Mufeng."

"After the wild banana seed of Tianqing Mountain Lord evolves into the Lord level, its annual income will reach 25 to 30. After reaching the Lord level, it will slowly repay the loan. In the end, after paying the interest, it will still make a profit, so it readily agreed."

"Similarly, after the Wild Banana God-given Seed evolves to the Lord level, it can use the equipment of the alien civilization to process the peel and pulp, and our Silk Sunflower Mountain's annual income will also increase significantly, from which we can also benefit."

"The lender, borrower, and intermediary all benefit. The profit comes from the increased income after the Wild Banana Seed breaks through to the Lord level."

"!!!"

Lord Camphor Tree understood the underlying principles. After careful consideration, he found no problems with the idea and praised, "This is a good idea! A 3% interest rate is reasonably reasonable."

"wrong!"

"Yin, your plan is risky!"

Yinxiang raised her paw to indicate, and asked, "Yin, you're not just planning to lend resources to Tianqing of Yilan Mountain, are you? Tianqing is honest, so lending it resources is definitely no problem, but it's hard to say about the other insects. What if they renege on their debts and refuse to repay them?"

Silver replied, "For now, this business is limited to Zerg warriors who possess the God-given Seed and have a processing partnership with us."

Lord Samu said, "There's definitely no problem on the Twin Islands of Saluo. It's a different story on Ivory Island. Just don't borrow resources from Ivory Island and everything will be fine."

"Will not……"

Yin gave a vague answer, then asked, "Lord Oil Camphor, would you like to buy some bonds?"

Lord Camphor Tree said, "If it's for Tianqing's evolution, we can indeed buy some. However, Silver, you should have heard that Lord Cloud Camphor Tree is preparing to break through to the Spider King realm..."

"That's perfect!"

Yin pulled out another bond sample and held it up in front of Lord Piaofei Youzhang, saying, "We also have a 5-year short-term bond with a face value of 10 and an annualized interest rate of 2%. It can be redeemed for 11 upon maturity."

"Buy 100 million, and after 5 years you can get 110 million, earning 10 in interest!"

"..."

Those who can oversee the annual resource organization and allocation in this cave are all clever spiders.

Lord of Camphor Tree, Lord of Incense Mountain, and Lord of Sassafrass Mountain immediately understood the little spider's wicked thoughts.

"The interest rate on five-year bonds is too low, I won't buy them."

"Lord Camphor Tree, would you like to buy some 10-year bonds?"

"The divine resources of Sumu Peak must be supplied to Lord Yunzhang, and cannot be purchased for 10 years."

"Then let's buy a 5-year term. A 2% annualized interest rate isn't low."

"The interest rate is too low, I won't buy."

Hey! You old spider, trying to be a scoundrel, huh?
Yin roughly understood what the other party meant, and lamented, "Lord Youzhang, you can do the math. Even if Lord Tianqing borrows resources, it will take him 10 years to break through to the Lord level. After evolving into a Lord, it will take about 25 years to repay the borrowed resources year by year."

"It will take 35 years in total. During this period, we will need to keep running around for it, issuing bonds, borrowing new debts and repaying old debts. Especially the 5-year bonds, how many times will we need to borrow them? How many trips will we need to make? We are just running around and earning a small fee for our hard work. Lord Zhang, are you going to make things difficult for us?"

Lord Youzhang said leisurely, "This little bit of trouble is quite a lot. Tianqing borrowed 5.5 million, and you get 1% interest from Zhongzheng every year, which is 550 a year. You can earn 5.5 a year from one Tianqing, so what about five or ten Tianqings? That would be incredible!"

"There aren't that many..."

Yin said, "Don't we also issue 10-year bonds with a 3% annual interest rate?"

"Then send it."

"But you're not buying it."

"It's not that we don't want to buy, it's that Su Mufeng's resources are not flowing smoothly."

"..."

Yin tentatively asked, "Then how about we change the interest rate for five-year bonds to 3%?"

"Isn't that right!"

Lord Camphor Tree said magnanimously, "I'll buy it for 100 million."

"hehe."

Silver glanced at us with disdain and said, "In the end, it's just that Lord Oil Camphor wants to rob us of our hard-earned money for this little spot."

"Forget it."

"There are plenty of spiders willing to buy them."

Silver raised its paw and retrieved the bond sample, then called out, "Taro, Sky Blue, let's go ask around on other mountains."

Seeing that Yin had indeed led Taro and Sky Blue out of the cave.

Lord Camphor Tree raised his paw and shouted, "Alright. Silver, come back. I was just joking with you. You can buy..."

Silver stopped, and Kaixin turned around.

Lord Camphor Tree asked, "How about we discuss an interest rate of 2.5%?"

"no!"

Silver Roar.

"..."

"You little spider, you're just like Silk Sunflower, getting angry after a few teasing remarks..."

Seeing Yin's anger, Lord Youzhang muttered something and said, "A 2% interest rate is fine. How exactly does it work? I can buy 100 million worth every year, or even more. Are you selling?"

"Do not sell!"

Yin said, "There's only a quota of 100 million this year..."

(End of this chapter)