Feng Tingyun traveled to the Tang Dynasty, and at the beginning he was attacked by gangsters with knives to collect debts, and he was unable to eat three meals a day. He backhandedly hung up the banner of "Deposit, Loan and Exchange" in Chang'an West Market, and everyone laughed at him for talking nonsense. But when the imperial army's salary was robbed, he used a piece of paper to transfer 100,000 yuan in three days; when aristocratic families joined forces to run the bank, he used the modern reserve system to counterattack everyone. From private contracts in villages to banks all over the world, let's see how a man in white clothes uses the banking system to leverage the foundation of an empire, so that when all nations come to court, the first thing they pay homage to is not the emperor, but the rules in his account books.