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Bai Ding was an apprentice in a silk shop and a bank clerk. He had neither a prominent family background nor an imperial examination. However, with his extraordinary agility, courage and extreme network management, he carved his own path in the turbulent times of the late Qing Dynasty. He founded Fukang Bank, which enabled a banknote to be circulated everywhere, changing the traditional financial structure and allowing the people to feel the convenience and power brought by banknotes for the first time. Wealth gathered like a tide, and his reputation and status were unparalleled for a while. The Qing court granted him a second-grade flower feather, and he became a rare "red-top businessman" in the world. However, behind the prosperity, there is an undercurrent of crisis of the times. The prosperity disappeared and the business world was ups and downs. His life was like riding a roller coaster of wealth. He reached the top at one time but fell to the bottom in the end. However, Hu Xueyan's life is not only the ups and downs of personal destiny, but also a story about money, power and people's hearts, loyalty and betrayal, dreams and destiny.