Li Yan-shi, the ruler of Luoyang, is slandered and summoned to the capital for investigation. But he is so poor (because of honesty) that he asks the moneylender to lend him 10 silver coins on the road. Moneylender Liu Yan-min agrees if Li's daughter, Yu-ying, signs a receipt and the Taoist nun Liu becomes a surety. The ruler is leaving.
A year passed, the debt grew to 20 coins, and Lee is not visible. The moneylender requires the nun to force the girl to either return the money or become his wife. The nun persuades Yu-in for a long time. Finally, having pitied her with a story about the court and the tortures that threaten the nun as a surety, she seeks the consent of the girl. For the evening, a date is scheduled with the moneylender, whom the nun described as a young handsome man. (The rendezvous takes place in a monastery, which bears the ironically sounding name “The Jade Monastery Skeet.”
The old nun must pay a visit to the patrons of the monastery and leaves a battered nun in her place. The moneylender goes on a date, but on the way he is detained by a night guard. Instead, the young scientist Zhang Rui-ching falls into the monastery. The nun takes him for Liu. In the dark, she brings Yu-ying to him. Only in the morning the truth becomes clear. Zhang promises to remain faithful to her unexpectedly found wife, and she - to wait for him, no matter what happens. As a keepsake, she hands him a blanket embroidered with her images of lovebirds. The money-lender that finally appeared does not leave thoughts about Yu-in.
The moneylender is trying with a stick to force Yu-ying to cohabit, but in vain. In revenge, he sends her to serve in his tavern. Spends two more years. And then Zhang Rui-ching enters the tavern, who has already become chuang-yuan (the winner in the capital’s exams) and has been appointed to one of the counties near Luoyang. He speaks with Yu-ying (whose face he did not see that night). In a long conversation, she talks about her misadventures. Wanting to teach a lesson to a moneylender, Zhang declares himself Yu-ying’s brother and “agrees” to her marriage to Liu. The wedding is scheduled in three days. Yu-in in sorrow.
Zhang pulls out the coveted blanket. Yu-in recognizes the one whom she vowed to be faithful ("one horse does not walk under two saddles"). By the day of the “wedding” of the moneylender, Lee Yan-shi, who is justified in all respects, arrives in time; he punishes the moneylender and blesses the young.
