Chai Jin is handsome man with eyebrows like a dragon's, eyes like a phoenix's, red lips and white teeth. His ancestor is Chai Rong, the second emperor of the Later Zhou dynasty. He is very generous with using his wealth to help his friends and the needy. Chai Jin is one of the two chief accountants of Liangshan's income and provisions. After the victory over Fang La, he resigns and returns home, where he leads a happy and luxurious life until his death.