Dawn Spider

Lending money isn't an easy business either.

After a long and tiring day, all I got was 6 yuan.

Kim is planning to release 1000 million.

...

Jin, carrying Red Tooth and a strong wind, then headed to the next stop: Rongshan.
A tribe formed by the cooperation of two closely related species, the blue-winged elytra and the broken-winged elytra.

They belong to the grasshopper family, but they possess hard forewings similar to those of elytra.

There are 22 warriors of varying sizes, one Mountain Lord-level Wild Glory Tree Divine Seed, and two Life Seed Divine Seeds. It is a small tribe that is not particularly small.

Green-winged elytra grasshopper-type talent.

The target of this visit: the Blue-winged Cassiopeia warrior, Lord of Halberd Mountain.

It possesses a divinely bestowed seed of a seaside Morinda officinalis tree. Through cooperative processing, it can earn a small profit of 3000 raw stones annually, making it a very good divinely bestowed seed.

A 7-year-old mountain master is neither too high nor too low, just the right level for a loan.

...

I visited the territory early in the morning.

With strong winds flying ahead, conducting high-altitude reconnaissance, the target was spotted at a glance and quickly approached.

"Lord of Jitian Mountain!"

"Strong winds? It's only July..."

"Here's the situation: Boss Jin has been talking about his credit currency, bonds, and loans, right? Boss Jin has decided to first launch the loan business on Ivory Island, giving priority to warriors with the Divine Seed processing cooperation. Lord Jitian Mountain, you happen to meet the loan requirements..."

Lord of Jitian Mountain: "..."

All Zerg warriors are the same; they are instinctively wary of interest-bearing loans, but at the same time, they are irresistibly tempted because they genuinely need divinely bestowed resources to evolve and grow.

When Jitian Mountain Master evolved to its 7th age, it specifically inquired with Jin about the details of interest-bearing loans, asking:
"What about the interest rate? Is it still 3%?"

"Yes. Loan interest rates and bond interest rates are fixed."

"That's too expensive."

The Lord of Jitian Mountain had been wanting to take out a loan, but the interest rate was too high. Knowing that Dafeng was just a errand boy and a laborer and couldn't make decisions on his own, he didn't say much to Dafeng and instead asked, "Where's Jin? Did he come with you?"

"Yes."

The wind replied, "I'll be there soon."

...

Jin and Hongya ran and followed the trail of the strong wind, accurately locating the main forest area of ​​Jitian Mountain where they worked.

"Lord of Jitian Mountain!"

"Greetings, Lord of Jitian Mountain!"

Greet each other when you meet.

The Lord of Jitian Mountain took the initiative to ask, "Jin, are you here to formally ask me for a loan?"

Jin: "Lord Jitian Mountain, this is a win-win cooperation."

"I completely agree with what you said..."

The Lord of Jitian Mountain was a quick-witted and eloquent insect. He changed the subject and began to speak fluently:
"But, Purple-haired Gold, you've gained too much from this partnership. You're earning loan revenue on one hand, and processing revenue on the other..."

"According to my estimate, once the Seashore Morinda officinalis seed breaks through to the Lord level and is processed collaboratively, you can earn 1 to 1.2 a year. You can obtain long-term, sustainable, and generous returns."

"You should lower the loan interest rate, or even offer it interest-free. Give me a break. I'll eat more of the divinely bestowed food to evolve, learn more abilities, and evolve into the Insect King sooner. With our cooperative processing, you can earn a stable 4 to 4.5 a year, right?"

"I'm not asking for interest-free, but how about a lower rate, like 1% annualized interest?"

"No. No. This won't do."

Jin quickly denied it, saying sincerely, "Interest rates are fixed and cannot be changed, otherwise things could easily get chaotic."

The Lord of Jitian Mountain asked, "Isn't the interest rate set by you? Whether it's high or low, isn't that up to you? Why can't it be changed?"

“Purple-haired Golden, we’ve known each other for so many years, and our cooperation will continue until we reach the Lord level and the Insect King level. You need to have foresight and broaden your horizons. As I improve and my evolution level increases, you will also gain more benefits. Don’t limit yourself to a little bit of interest in the short term; that’s not how an intelligent spider should behave.”

In the natural pantheon, most insects are focused on farming, simple-minded, and incapable of bargaining.

But some insects like to wander around, interact a lot, and gain a lot of knowledge, so they become quite clever.

For example, this Lord of Jitian Mountain is so good at boasting and bragging that even Jin Du has to admit he can't match him.

Jin found dealing with these insects extremely troublesome, and he glanced at Red Fang out of the corner of his eye.

Hongya understood and quickly chimed in, "Lord Jitian, you're mistaken. Boss Jin's lending business covers both Borneo and Ivory Islands. The publicly disclosed bond and loan interest rates are both 3%, and this is strictly enforced. If the interest rate were lowered because of a good relationship and raised because of a distant one, it would inevitably lead to various problems." "For example, if I don't have a good relationship with Boss Jin, wouldn't I be afraid to borrow from him? Or, for instance, if I had a good relationship with Boss Jin and borrowed at a 3% interest rate, but then found out your rate is 1%, what would I think? Would I still associate with Boss Jin in the future?"

"Furthermore, as the business grows, the loan operations will be handled by other spiders. If interest rates can fluctuate, wouldn't the spider in charge of this matter be able to abuse their power for personal gain?"

"Therefore, the interest rate must be fixed at 3% and cannot be changed."

"That's right!"

Jin agreed, then lowered his mental focus and asked, "Lord Jitian Mountain, let's try a different discount method. If you only consume divine resources after evolving to the 8th stage, how much of your quota will you still be short?"

The Lord of Jitian Mountain stared at Jin with a suspicious and wary look in his eyes, and replied, "It's still a long way off, we're still short 150 million."

Jin then asked, "Your seaside Morinda officinalis seed will yield around 5 this year, right? How about this: you borrow 140 million, and I'll privately give you 5, making it 150 million for you. Is that alright?"

The Lord of Jitian Mountain's eyes brightened slightly as he said, "What I mean is, even including this year's output of the divinely bestowed seeds of the seaside Morinda officinalis, we're still short 150 million. I'll lend you 140 million, and you can give me 10. Once we've made up the difference, I'll start preparing for the 8th-year evolution."

"..."

"10 won't do, absolutely not. The interest income wouldn't even be that much, I'd lose everything."

Kim repeatedly denied the allegations.

The Lord of Jitian Mountain said leisurely, "140 million, with an annualized interest rate of 3%, if you borrow for 20 years, the interest will be 84. What's more, I will have to borrow from you again for the 8-year and 9-year terms, and I will borrow even more."

Jin Shunshi asked, "Master Jitian, how much do you plan to borrow for your 8th and 9th year students?"

After pondering for a moment, the Lord of Jitian Mountain replied, "It's impossible for me to eat all the divinely bestowed food. I can't afford that. A moderate amount is fine, around 100 million to 150 million. It depends on my own situation."

Jin said, "That's fine. You can borrow the resources for your 8th-year evolution first. I, the Private Spider, will sponsor you with 10 resources."

“今天我就可以帮忙办下来。你开始酝酿进化8龄期。休养间隔三年？三年后你借100万至150万神赐资源，进化9龄期？今年是商陆18年，贷款的日期可以写成三年后，也就是商陆21年。”

The Lord of Jitian Mountain asked, "Purple-haired Gold, are you afraid I'll break my promise and not borrow from you?"

Jin said, "No, that's not it. I'm just trying to boost my sales figures."

"..."

Boosting sales targets? Nonsense!
The Lord of Jitian Mountain hadn't really intended to negotiate the loan interest rate down to 1%. His mind raced, and he figured getting 10 resources for free wasn't bad, so he reluctantly agreed.
“That works too. Then a loan of 100 million yuan at age 8 will be enough for me.”

"it is good!"

Jin immediately extracted spider silk and used it to create a loan agreement for them.

The total amount was 240 million, but the face value of each note was 6 and 12. It took most of the day to compile them.

Guide the imprinting of spiritual power.

The strong wind carried it back to Silk Sunflower Mountain, bringing back a corresponding amount of divinely bestowed food and token currency.

Jin handed the gold to the Lord of Jitian Mountain and instructed him, "Lord of Jitian Mountain, you must know that I have opened a shopping mall on the Twin Islands of Salu, which is stocked with all kinds of divinely bestowed food."

After you evolve to your 8th instar, you don't necessarily have to wait three years before you can use God-given Force Food. You can also check out the Salo Twin Islands Trading Market during the annual trading season; if needed, you can purchase a suitable amount using Credits.

"I know."

"I visited your Shanglu Mall two years ago to support you."

The Lord of Jitian Mountain buried himself in checking the goods and readily agreed.

The amounts of the divinely bestowed food and tokens were all correct, and they chatted for a while longer.

Jin, carrying Red Tooth and Big Wind, rested on the mountain for the night and left at dawn the next day, immediately heading to the next stop.

...

...

If the loan is restricted to those with a cooperative relationship to process the divinely bestowed seed, and further restricted to the wood and lightning elements, there are not many insects on the entire Ivory Island that meet the loan conditions; there are only 12 in total, and all of them are mountain lords.

There are currently no suitable lords for loans.

Jin, accompanied by Red Fang and Da Feng, wandered from north to south, visiting each place in turn. With barely enough money, he managed to raise 1000 million in quota and released the surplus divine resources he had hoarded in Haimengfeng Shanglu Mall.

...

It was the end of July.
Jin went to the site of the excavation to keep watch.

In August, they unearthed a city-level city and discovered road signs pointing to Class 0 ruins.

They were busy until the end of September before they finally found a place, but it turned out to be just an ordinary cultivation site, and they only gained a little bit of primordial crystals.

The teams led by the Curcuma zedoaria king and the Stone Insect King did not seem to have any significant gains either.

It seems there's really nothing good to dig up in this Imperial Continent.

Jin announced that they would be busy with collaborative processing matters, and that this year's excavation work would be over. The team would disband, everyone return to their territory to rest, and try again next year. (End of Chapter)