Dawn Spider

Chapter 192 Our goal: 100 million!

The twin islands of Sal, Shark Harbor.

As in previous years, Hongzhui Mountain Master, Yin, and Yutou were waiting at the dock early, and this year Tianlan was also there.

After exchanging greetings,

Together we walked across the dock square to the back slope of the hill to check the accounts.

Compared to last year, there has been almost no change. Last year, the total revenue from the cooperative processing business of the Divine Seed Fruit was 59.9, a slight increase.

As for the lending business, it's just starting out, and it's a long way from repayment, so there's no substantial income yet. This business sounds like a big deal involving tens of thousands, hundreds of thousands, or even millions of yuan, but in reality, money comes in through one claw and is poured out through the other, leaving nothing behind.

Jin briefly reviewed the income and expenditure of the divinely bestowed primal force food in seed form on the Twin Islands of Saluo last year. The amount was similar to last year, with a total estimated value of 371.5 million, which had been deposited into the kingdom's warehouse and recorded by the Spider King of the Five Schools.

"Great! No problem!"

Jin tidied up the ledgers and said, "The Red Cone Mountain Lord and the Great Wind Mountain Lord still receive a salary of 6, Silver 4, and Tianlan is still an intern, so he receives 2."

"This year's total income is 59.9, salary expenses are 18, and another 1.9 will be used for bonuses. Red Cone Mountain Lord, Big Wind Mountain Lord, and Silver, you will each receive a bonus of 6000. Um, Sky Blue will also receive a bonus of 1000."

"Thank you, Mr. Jin!"

"Fourth Brother is so generous!"

"Thank you, Jin!"

The insects cheered.

"Whoosh! Whoosh! Whoosh!"

The taro shook its leaves vigorously in a fierce protest.

Jin took out two raw crystals and handed them to Taro, saying, "Taro, we'll take you to the kingdom's warehouse in a bit to see if they still have any wooden beads left, and we'll help you exchange them for wooden beads."

"Whoosh~ Whoosh!"

Taro happily accepted the prize, and pointed the eleventh taro leaf at the top at Tianlan, tapping it vigorously and making a rustling sound of doubt: Why should it get the prize money?

Taro, that damn money-grubber, that miser, is hopeless...

Jin asked, "Tianlan, have you found out about the situation of all the tribes on the Twin Islands of Saluo over the past year?"

"I've found out."

Tianlan replied, reporting, "We've found out about 26 Zerg warriors who possess the God-given Seed. Among them, about 5 Mountain Lord-level warriors and 1 high-level warrior are suitable for loans."

The so-called "suitable" loan specifically refers to those who have reached the 6th age or above in their evolutionary stage and are suitable for rapidly evolving and advancing to the next level by borrowing resources. In other words, it means that their destiny seed, bestowed by the gods, produces exceptionally high returns and they have the capacity for large, long-term loans.

Tianlan has identified six potential loan customers, five of whom are mountain owners.

If each person borrows four or five million, that's a total credit line of over twenty million.

"not bad!"

Jin was quite satisfied and praised him, then asked, "Tianlan, are there any lord-level warriors who need loans?"

"This one……"

Tian Lan was troubled and said, "Lord-level warriors who possess the God-given Seed can't communicate with ordinary insects. I don't know anything about them, so I can't ask them."

"Ok."

"It's okay, no rush, take it one step at a time."

Jin simply instructed, "Yin, during the month I'm back, you and Tianlan will visit these six warriors we've already identified and introduce them to our business."

"Understood, Fourth Brother."

Yin Kengqiang agreed.

Jin advised, "Tianlan, you should continue to wander around the island searching for divine seeds, meet with other Zerg warriors, and inquire about relevant information. When chatting, you can also mention the loan business appropriately. There are only so many Zerg on the island, and word will spread quickly throughout the entire island. At that time, you won't need to run around; Zerg that are eager to evolve with divine resources will naturally come to you."

"I see!"

Tianlan agreed.

Jin calculated, "After paying salaries and bonuses last year, I still have 40 left. Including the 1 for processing divinely bestowed food for Lord West Serpent, the total is 41."

“The Lord of Silk Sunflower Mountain fixed 20, Xiangpu of Thousand Fruit Mountain lent 12, and I spent 9 on my own growth and evolution, which is just enough.”

Silver immediately raised its paw and asked, "Fourth Brother, did you and Dafeng find a little rhinoceros cockroach warrior on Ivory Island?"

Jin said, "Its first seedling is a banyan tree, which I named 'Banyan' and funded its cultivation. If it is suitable, I will arrange for it to take charge of some of the business on Ivory Island."

The Lord of Red Cone Mountain asked, "What kind of business? Wouldn't it be better to assign more members of the Flame Spider clan to this kind of paid work?"

Jin patiently explained, "That's a long time from now. In the future, when we expand and strengthen our business, extending our credit, currency, bond, and lending services to Ivory Island, we'll need to open multiple 'shops' there to provide real-time buying and selling of divinely bestowed food." "I plan to assign the Flame Spider tribe warriors and the native Ivory Island warriors to jointly manage this task. Each shop will involve resources worth tens of millions, requiring reliable insects to handle it."

Silver strained to raise its claws and demanded, "But Fourth Brother, did you borrow 4 from other insects last year? And it was interest-free?"

"Yes. The vine. It will take in and care for the banyan tree. We still need to borrow 6 from it this year, bringing the total deficit to 10. Weren't there 19 in currency bonds issued last year that haven't been redeemed? We can use that money appropriately."

"Uh...hehe! Got it! But, Fourth Brother, that's not the point! The point is that it's interest-free. Fourth Brother, you said it yourself, lending is the strong exploiting the weak, it's like tearing flesh from other insects. We have to be ruthless when we do this kind of work."

"Thirteen, don't be bound by the rules. Sometimes you have to consider the situation and be flexible."

Yin wanted to say something, but was pressed down by the Red Cone Mountain Lord's claw.

The Lord of Red Cone Mountain asked, "Jin, are you planning to open a shop on Ivory Island? To sell and buy divinely bestowed food? Won't that offend the seven major tribes?"

"will not."

Jin said, "I will exchange the divinely bestowed food that I collect at a fair price with the seven tribes, without competing with them for the 5% profit from the cross-sea trade."

The Lord of Red Cone Mountain asked, puzzled, "Then what's the point of opening a shop and buying and selling divinely bestowed food? Where does the money come from to pay the warriors you hire to manage the shop?"

Kim said, "Credit, processing cooperation, bonds, and shops—this whole system ultimately serves the purpose of lending."

Jin said, "A mountain lord-level warrior can borrow four or five million, but with just over twenty people, the total loan amount can exceed one hundred million. Even if we only earn a 0.5% interest rate spread, how much would that be every year?"

"And what about certain lord-level warriors whose abilities and strengths meet the requirements for breaking through to the Insect King level? Should we also consider loans for them? How much would a lord need to borrow? Twenty or thirty million?"

"With just three or four lords who need loans, we can lend out over a hundred million."

“A huge amount of resources flow through our hands, and there are various ways to retain some of them and turn them into our profits.”

"Only by doing a good job in the whole business of cooperative processing, credit currency, bonds, loans, and shops can we expand the scale. The larger the scale, the more diverse the operating methods, the greater the operating space, and the higher the corresponding returns."

"The most important part should be promoting credit currency and bonds. Use bonds to entice other insects to hold credit currency. The specific method is very simple. For example, this year we announce that we will sell a total of 1000 million bonds next year, and all insects can buy them with credit currency. Then, wouldn't some insects choose to hold credit currency?"

"When we issue bonds next year, we will also announce the sale of 2000 million bonds the year after. Will more investors choose to hold creditor currency and wait to buy bonds?"

"Holding creditor currency means that the corresponding divine resources remain in our hands and are placed in our shops. We can use these divine resources to lend money and earn 3% interest for free..."

"!!!"

Upon hearing this, the insects' eyes lit up.

"Of course, the prerequisite for achieving this goal is that the market is large enough! If the market is too small, loan business cannot keep up, which in turn leads to insufficient bond issuance, triggering a run on credit and currency, and then a complete collapse..."

Jin paused for a moment, then continued, "Currently, the insect population on Ivory Island and the Twin Islands of Saluo is not very large. But think about it, how long have these two islands been developing in total? Only two thousand years. Moreover, according to those old insects, it is mainly in the last thousand years, with the increase in the concentration of the Force, that the insect population has grown rapidly."

"The overall natural force is on the rise and continues to rise. Correspondingly, the probability of the birth of Zerg warriors and divinely inspired plants is increasing, and their total number is constantly growing. Within fifty years, the total number of Zerg on the two islands will definitely exceed 8000, and within a hundred years, it is very likely to reach tens of thousands."

"What about two hundred years from now? Three hundred years from now? How many insects will the two islands have?"

"With the insect population constantly rising and the potential market growing naturally, we are planning ahead for the future."

"In the future, we will also expand our business to the southern continent. Our goal is to earn 100 million yuan a year. Everyone will only eat God-given food to evolve."

"..."

The owner of Red Cone Mountain was speechless.

I don't quite understand it, but it sounds incredibly impressive.

The Lord of Red Cone Mountain has never approved of paid loan services. But if you said it would allow me to evolve by only consuming divinely bestowed food, while I still wouldn't approve, I could pretend I knew nothing…

"Fourth Brother is the best!"

Silver, full of fighting spirit, raised both claws and shouted. Then, retracting one claw, it pointed the other at Gold's back armor and asked, "Fourth Brother, what are you carrying on your back...?"

"A treasure chest for storing Force food."

Jin explained briefly, "I provided professional consulting services to the ruins excavation team and received a service fee of 150 Primal Crystals and 20 Treasure Chests."

The Red Cone Mountain Master asked, "Jin, I heard from Dafeng that a site of comparable size to the Cyathea Mountain site was unearthed on Ivory Island? You also organized a team to excavate it?"

"Yes."

Jin said, "This collaborative processing job is pretty boring. I'm just killing time by playing around with it; there's a good chance I'll make some money..."

Jin briefly recounted the excavation of the ruins on Ivory Island.

finished speaking,

After the cargo loading and unloading work at the dock was completed, the spiders dispersed in small groups.

Jin led the team to the Spider King of the Five Schools, quickly checked the accounts, and entered the kingdom's warehouse to select the divinely bestowed food they needed.

(End of this chapter)