Chapter 39: 038 The 250 IQ Provocation Method

But he remained silent.

What's the point of pointless quarrels with Jiang Chen?

Besides, how do you know the person typing on the other side of the screen is a top student from MIT? Maybe they're just a middle-school otaku.

Or even a dog?

But the Dongguan girl seemed angry—quickly, a line of text appeared on the screen: "Seven Bowls and a Half, you look down on my husband! I issue you a challenge on behalf of my husband, in the name of Uchiha Sasuke, to duel!"

"Oh... how do we duel?"

"Modeling! I'll give you a problem now—see who can write the most effective and realistic mathematical model in the shortest time! Victory goes to the winner! Of course, everyone in the group can join!"

"OK! I accept the duel!"

"I'm in too!"

"How can I be left out? Fight, young man!"

The Dongguan girl quickly typed a flood of text on screen; Fang Qingye carefully read it—it was a model on credit risk assessment!

It required calculating the probability of loss caused by changes in the borrower's credit rating and repayment capacity, which affected the market value of their debt.

Holy shit!

So hard?

But... wait.

Fang Qingye suddenly remembered something and immediately sent a private message to the Dongguan girl: "Dongguan girl, this question is so hard—if I win, what's the prize?"

"Husband, winning means you've triumphed in the duel—your intellect and knowledge are supreme, igniting your cosmos-fire and conquering all!"

"That's it? No real benefit?" Fang Qingye doubted it and asked again.

"Is there anything more meaningful than winning a duel?!"

Seeing this private message from the Dongguan girl, Fang Qingye paused, then quickly added:

"Do they all think that?"

"Yes, we often play this game in the group, endlessly fun—but today's difficulty is a bit higher... Husband, are you scared? Are you backing down? Grip your sword tightly—victory lies ahead!"

Reading this message, Fang Qingye was furious—he cursed: "Scared of your sister? Am I insane? What's the point of this meaningless fight? I'm out!"

Saying this, Fang Qingye immediately logged off.

A bunch of idiots, lunatics!

Fang Qingye muttered angrily, picked up his teacup, and took a sip—then suddenly remembered something.

The Dongguan girl hadn't paid him the 350,000 yuan for the modeling yet!

He quickly logged back onto QQ, saw the group messages still flashing, ignored them entirely, and sent a message to the Dongguan girl.

"Pay me!"

"Sigh... Husband, they're mocking you in the group," the Dongguan girl replied.

Mock your sister...

Fang Qingye suspected this was the Dongguan girl's scheme—using this method to get the idiots to do the modeling while she sat back and reaped the benefits without spending a cent.

Truly, every single one of them has an IQ of 250!

He cursed under his breath, but still typed two words: "Pay me!" followed by several bloody knives.

"OK!"

The Dongguan girl replied; within minutes, Fang Qingye's phone buzzed with a text alert—350,000 yuan had arrived.

Hmm...

Though the Dongguan girl was a bit crazy, she kept her word.

Fang Qingye was satisfied with this.

With another 350,000 yuan, Fang Qingye unhesitatingly increased his position, pre-buying another 291 contracts—now he had pre-bought 1,124 contracts total.

Wait... wait for the returns to double.

Fang Qingye closed Tonghuashun, opened Warcraft...

The next day at work, Fang Qingye kept slacking off—he didn't check the stock market anymore, but he still had to keep reading the two books Xia He bought him.

He'd finished "Fundamental Methods of Mathematical Finance"; now he was preparing to read "Stochastic Analysis in Finance," a two-volume set with dense and complex content—but Fang Qingye wasn't in a hurry.

He had endless time to waste.

Being young is great.

Fang Qingye sighed inwardly, poured himself a fresh cup of tea, and began reading carefully.

Now, only he and Cao Ting sat in the office, the other two having gone out on errands—one played on his phone, the other read a book—the office was very quiet.

Suddenly, Fang Qingye's phone on his desk emitted a "ding-ding-ding" sound—a pop-up window appeared.

Friend "Universe Youth Invincible Beauty" requests a video call!

The QQ sound was loud enough to catch Cao Ting's attention; she stared curiously at Fang Qingye's phone.

Fang Qingye immediately tapped × to reject.

The other party requested video chat again!

Fang Qingye rejected again.

Cao Ting laughed: "Little Fang, your online friend wants to video call—why won't you accept? I see the avatar's a girl—is it inconvenient? I'll step out first." She stood up as if to leave.

"Sister Cao, it's nothing—this person's crazy, ignore them," Fang Qingye hurriedly said.

But inside, he wondered: What's going on?

Since he last rejected her video call, the Dongguan girl had never initiated one again—why was she doing it twice today?

He picked up his phone, opened the Dongguan girl's avatar—of course, it was a text private message.

"Are you crazy? Don't you know I'm at work?!" Fang Qingye snapped back.

"I know, husband, but when I send text, you ignore me." The other party replied quickly, adding several crying emojis.

Fang Qing remained unmoved and typed a few characters:

"What's the matter? Speak!"

"You should check the main group chat, see the models they've built."

Seeing Dongguan Girl's message, Fang Qing felt curious; how good were the models built by this bunch of idiots claiming an IQ of 250?

He opened the group chat, ignoring a huge pile of meaningless chat logs, including the insults from the person nicknamed "Must Eat Seven and a Half Bowls Per Meal."

Arguing with those people wasn't worth it.

Two documents appeared in the group, uploaded to the group space; Fang Qing clicked to open them and found they were both completed models, all based on problems posed by Dongguan Girl: models for credit risk assessment.

He examined them closely; one used the KMV model as a basis for construction, while the other belonged to the MTM model category.

It was just that the output effect of these model constructions...

After studying them seriously for a while, Fang Qing felt they were unsatisfactory.

Was Dongguan Girl dissatisfied too?

Thinking this, Fang Qing typed another message to Dongguan Girl.

"I've looked through all the built models; what's wrong?"

"What do you think, husband?" The other party replied quickly.

"Very average."

"Really? Tell me your reasons?"

"This one, called 'A Model Written Based on Men's Nonsense,' is based on the KMV model; the biggest flaw of this model is that it focuses only on default prediction but ignores changes in corporate credit ratings, so it only assesses credit asset risks directly linked to corporate asset value, or more simply, just loan aspects."

"This good-for-nothing, the one with the QQ name 'Must Eat Seven and a Half Bowls Per Meal,' built an even worse model; although the MTM model basically aligns with the operating philosophy of China's state-owned commercial banks, its fatal flaw is that the model's judgment of credit risk relies heavily on changes in the borrower's credit rating, and under China's current credit environment, the probability of incurring massive losses could be quite high!"

Fang Qing typed a long passage rapidly; Dongguan Girl, who usually replied instantly, seemed unusually quiet today.

Did she log off?

Impossible; her avatar was still lit up.

"Hey, did you see it?" Fang Qing used the "poke" feature to remind the other party.

He had no idea that at this moment, Dongguan Girl was copying and pasting his private chat messages word-for-word onto the group's public screen.