In the real world, Mo Yan, a frustrated actuary, traveled to the underworld after his accidental death and took over a "Ghost Small Loan" that was on the verge of bankruptcy - the smallest financial institution in the underworld. Faced with a sparse and dilapidated branch, Mo Yan used modern financial thinking to innovate, cross borders, and engage in marketing, step by step, to turn this little-known bank into an underworld financial empire. In the end, even the Ghost King became his wage earner.