[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"origin-i-m-in-a-small-county-and-you-say-i-m-a-big-shot":3,"chapter-i-m-in-a-small-county-and-you-say-i-m-a-big-shot-i-m-in-a-small-county-and-you-say-i-m-a-big-shot-chapter-39":6},{"origin":4,"title":5},"chinese","I'm in a Small County, and You Say I'm a Big Shot?",{"chapter":7,"nextChapterSlug":19,"prevChapterSlug":20,"totalChapters":21,"novelImage":22},{"id":8,"novel_id":9,"title":10,"slug":11,"index":12,"content":13,"wordcount":14,"created_at":15,"updated_at":15,"volume":16,"translator":17,"content_hash":18},2297450,4494,"Chapter 39: 038 The 250 IQ Provocation Method","i-m-in-a-small-county-and-you-say-i-m-a-big-shot-chapter-39",39,"\u003Cp>But he remained silent.\u003C\u002Fp>\n\u003Cp>What’s the point of pointless arguments with Jiang Chen?\u003C\u002Fp>\n\u003Cp>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 moody teenager.\u003C\u002Fp>\n\u003Cp>Or even a dog?\u003C\u002Fp>\n\u003Cp>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 challenge you to a duel in the name of Uchiha Sasuke!”\u003C\u002Fp>\n\u003Cp>“Oh... how do we duel?”\u003C\u002Fp>\n\u003Cp>“Modeling! I’ll give you a problem now—see who can write the most efficient and realistic mathematical model in the shortest time. The winner takes all! Of course, everyone in the group can join!”\u003C\u002Fp>\n\u003Cp>“OK! I accept the duel!”\u003C\u002Fp>\n\u003Cp>“I’m in too!”\u003C\u002Fp>\n\u003Cp>“How can I be left out? Fight, young man!”\u003C\u002Fp>\n\u003Cp>The Dongguan girl quickly typed a long passage on screen; Fang Qingye carefully read it—it was a model on credit risk assessment!\u003C\u002Fp>\n\u003Cp>It calculated the probability of loss caused by changes in the borrower’s credit rating and repayment capacity, which affected the market value of their debt.\u003C\u002Fp>\n\u003Cp>Holy shit!\u003C\u002Fp>\n\u003Cp>That hard?\u003C\u002Fp>\n\u003Cp>But... wait.\u003C\u002Fp>\n\u003Cp>Fang Qingye suddenly remembered something and privately messaged the Dongguan girl: “Dongguan girl, this question is so hard—if I win, what’s the prize?”\u003C\u002Fp>\n\u003Cp>“Husband, winning means you’ve triumphed in the duel—your intellect and knowledge are unmatched, igniting your cosmos flame and conquering all!”\u003C\u002Fp>\n\u003Cp>“That’s it? No real benefit?” Fang Qingye doubted it and asked again.\u003C\u002Fp>\n\u003Cp>“Is there anything more meaningful than winning a duel?!”\u003C\u002Fp>\n\u003Cp>Seeing this private message from the Dongguan girl, Fang Qingye paused, then added:\u003C\u002Fp>\n\u003Cp>“Do they all think that way?”\u003C\u002Fp>\n\u003Cp>“Yes, we often play this game in the group, endlessly fun, though today’s challenge is a bit harder... Husband, are you scared? Are you backing down? Grip your sword tightly—victory lies ahead!”\u003C\u002Fp>\n\u003Cp>Reading this, Fang Qingye was furious and cursed: “Scared of your sister? Am I insane? What’s the point of this meaningless fight? I’m out!”\u003C\u002Fp>\n\u003Cp>After speaking, Fang Qingye immediately logged off.\u003C\u002Fp>\n\u003Cp>A bunch of idiots, nuts!\u003C\u002Fp>\n\u003Cp>Fang Qingye cursed bitterly, picked up his teacup, and took a sip—then suddenly remembered something.\u003C\u002Fp>\n\u003Cp>The Dongguan girl hadn’t paid him the 350,000 yuan for the modeling yet!\u003C\u002Fp>\n\u003Cp>He quickly logged back onto QQ, saw the group chat still flashing, ignored it entirely, and sent a message to the Dongguan girl.\u003C\u002Fp>\n\u003Cp>“Pay up!”\u003C\u002Fp>\n\u003Cp>“Ahh... Husband, they’re mocking you in the group,” the Dongguan girl replied.\u003C\u002Fp>\n\u003Cp>Mock your sister...\u003C\u002Fp>\n\u003Cp>Fang Qingye suspected this was the Dongguan girl’s scheme—using this method to get others to build models while she sat back and reaped the benefits without spending a cent.\u003C\u002Fp>\n\u003Cp>These idiots really have IQs of 250!\u003C\u002Fp>\n\u003Cp>He muttered a curse, then typed two words again: “Pay up!” followed by several bloody knives.\u003C\u002Fp>\n\u003Cp>“OK!”\u003C\u002Fp>\n\u003Cp>The Dongguan girl replied; within minutes, Fang Qingye received a text alert—350,000 yuan had arrived.\u003C\u002Fp>\n\u003Cp>Hmm...\u003C\u002Fp>\n\u003Cp>Though the Dongguan girl was a bit crazy, she kept her word.\u003C\u002Fp>\n\u003Cp>Fang Qingye was satisfied with that.\u003C\u002Fp>\n\u003Cp>With another 350,000 yuan, Fang Qingye immediately added to his position, pre-buying another 291 contracts—now he had pre-bought 1,124 in total.\u003C\u002Fp>\n\u003Cp>Wait... wait for the returns to double.\u003C\u002Fp>\n\u003Cp>Fang Qingye closed Tonghuashun and opened Warcraft...\u003C\u002Fp>\n\u003Cp>The next day at work, Fang Qingye kept slacking off—he didn’t check the stock market anymore, but he still had to read the two books Xia He bought him.\u003C\u002Fp>\n\u003Cp>He’d finished “Fundamental Methods of Mathematical Finance” and was now starting “Stochastic Analysis in Finance”—a two-volume set, dense and complex, but Fang Qingye wasn’t in a hurry.\u003C\u002Fp>\n\u003Cp>He had endless time to waste.\u003C\u002Fp>\n\u003Cp>Being young was great.\u003C\u002Fp>\n\u003Cp>Fang Qingye sighed inwardly, poured himself a fresh cup of tea, and began reading carefully.\u003C\u002Fp>\n\u003Cp>The office now held only him and Cao Ting across from him; the other two had gone out. One scrolled on his phone, the other read—silence filled the room.\u003C\u002Fp>\n\u003Cp>Suddenly, his desk phone beeped “ding-ding-ding”—a window popped up.\u003C\u002Fp>\n\u003Cp>Friend “Universe Youth Invincible Beauty” requested a video call!\u003C\u002Fp>\n\u003Cp>The QQ sound was loud enough to catch Cao Ting’s attention; she stared curiously at Fang Qingye’s phone.\u003C\u002Fp>\n\u003Cp>Fang Qingye immediately tapped × to reject.\u003C\u002Fp>\n\u003Cp>The other party requested video chat again!\u003C\u002Fp>\n\u003Cp>Fang Qingye rejected again.\u003C\u002Fp>\n\u003Cp>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 awkward? I’ll step out.” She stood up to leave.\u003C\u002Fp>\n\u003Cp>“Sister Cao, it’s nothing—this person’s crazy, ignore them,” Fang Qingye hurriedly said.\u003C\u002Fp>\n\u003Cp>But inside, he wondered: What’s going on?\u003C\u002Fp>\n\u003Cp>Since he last refused her video call, the Dongguan girl had never initiated one again—why was she doing it twice today?\u003C\u002Fp>\n\u003Cp>He picked up his phone, opened her avatar—of course, it was text-only private chat.\u003C\u002Fp>\n\u003Cp>“Are you crazy? Don’t you know I’m at work?!” Fang Qingye snapped back.\u003C\u002Fp>\n\u003Cp>“I know, Husband, but you ignore me when I send text,” came the instant reply, along with several crying emojis.\u003C\u002Fp>\n\u003Cp>Fang Qingye remained unmoved and typed:\u003C\u002Fp>\n\u003Cp>“What do you want? Say it.”\u003C\u002Fp>\n\u003Cp>“Check the group chat—see the models they built.”\u003C\u002Fp>\n\u003Cp>Hearing this, Fang Qingye grew curious—what did these self-proclaimed IQ-250 idiots produce?\u003C\u002Fp>\n\u003Cp>He opened the group, skipped past the meaningless chatter—including the taunts from the user named “Seven Bowls and a Half.”\u003C\u002Fp>\n\u003Cp>Arguing with them wasn’t worth it.\u003C\u002Fp>\n\u003Cp>Two documents appeared in the group space; Fang Qingye opened them—they were both completed models, both based on the Dongguan girl’s original problem: credit risk assessment.\u003C\u002Fp>\n\u003Cp>He studied them closely—one used the KMV model as its base, the other belonged to the MTM category.\u003C\u002Fp>\n\u003Cp>But the output quality of these models...\u003C\u002Fp>\n\u003Cp>After careful analysis, Fang Qingye found them unsatisfactory.\u003C\u002Fp>\n\u003Cp>Was the Dongguan girl also dissatisfied?\u003C\u002Fp>\n\u003Cp>Thinking this, he typed another message to her.\u003C\u002Fp>\n\u003Cp>“I’ve reviewed all the models—what’s wrong?”\u003C\u002Fp>\n\u003Cp>“What do you think, Husband?” she replied instantly.\u003C\u002Fp>\n\u003Cp>“Average.”\u003C\u002Fp>\n\u003Cp>“Really? Explain your reasoning.”\u003C\u002Fp>\n\u003Cp>“This one, ‘Listen to Men Tell Ghost Stories,’ built on KMV—its biggest flaw is focusing only on default prediction while ignoring changes in corporate credit ratings, so it only assesses credit risk directly tied to asset value—in other words, just loan risk.”\u003C\u002Fp>\n\u003Cp>“This idiot, ‘Seven Bowls and a Half,’ built an even worse model. The MTM model roughly matches the operating philosophy of China’s state-owned commercial banks, but its fatal flaw is that it heavily depends on changes in the borrower’s credit rating—under China’s current credit environment, the probability of massive losses could be very high!”\u003C\u002Fp>\n\u003Cp>Fang Qingye typed a long paragraph. Normally, the Dongguan girl replied instantly—but today, she was silent.\u003C\u002Fp>\n\u003Cp>Offline?\u003C\u002Fp>\n\u003Cp>Impossible—her avatar was still lit.\u003C\u002Fp>\n\u003Cp>“Hey, did you see it?” Fang Qingye tapped her with “poke” to remind her.\u003C\u002Fp>\n\u003Cp>He had no idea that at that moment, the Dongguan girl was copying and pasting his private message exactly onto the group chat screen.\u003C\u002Fp>",1118,"2026-06-20T05:58:40.725Z",1,"Qwen3-Next 80B","cc9cde9a82cb7d5487a9e3a43098465953b07c3eea2a6f2c3bc51a4043007861","i-m-in-a-small-county-and-you-say-i-m-a-big-shot-chapter-40","i-m-in-a-small-county-and-you-say-i-m-a-big-shot-chapter-38",215,"https:\u002F\u002Fnovelzhen.com\u002Fimages\u002Fcovers\u002Fi-m-in-a-small-county-and-you-say-i-m-a-big-shot-cover.jpg"]