Chapter 40: 039 Take Your Time Reading, and Don't Forget to Transfer the Money!

039 Take your time reading, and don't forget to transfer the money!

The crowd with an IQ above 150 instantly exploded.

Among them, "Listening to men's ghost stories" was a PhD candidate at Yan University, and "Seven and a half bowls per meal" was a graduate student at MIT; both were highly skilled, especially in modeling, yet the mathematical model they built was ruthlessly mocked by this undergraduate from a 211 university—how could they not be angry?

Someone immediately shouted a rebuttal, and the one called "Seven and a half bowls per meal" even directly @Fang Qingye, but unfortunately Fang Qingye had directly blocked the group chat and couldn't see it at all.

At this moment, Dongguan Girl replied with a message: "Husband, your analysis makes a lot of sense, and I think so too, but it seems none of them accept what you said."

"You copied what we said into the group chat?!" Fang Qingye immediately realized.

"Yes, just discussing... don't worry, I won't make our love talk public; it's a secret between us, okay?"

Love talk, my foot.

Who was having love talk with you?!

Fang Qingye ignored her remark and simply replied coolly: "Whether they accept it or not, what does it have to do with me?"

"Husband, don't you want to prove you're stronger than them? That your IQ is higher than theirs? That seeing the great you makes them feel very small?!"

Seeing the paragraph Dongguan Girl sent, Fang Qingye smiled.

This goading tactic...

Only someone with an IQ of 250 could have thought of it.

He thought for a moment and typed over.

"I can build a mathematical model, but you have to pay extra!"

"How much?"

"At least five hundred thousand!"

The other party paused for a few seconds before replying.

"Agreed, but I have conditions."

"What conditions?"

"The model's effect must be better than those two, and it must be finished by this time tomorrow at the latest!"

"No problem, wait, I'm starting the modeling now," Fang Qingye replied.

"Now? How long will it take?"

"Before getting off work," Fang Qingye said, checking the time on his phone; there were still two hours until the end of the workday.

"OK! Deal, burn bright, Pikachu!"

Fang Qingye was about to log off when he suddenly thought of something and typed over.

"Did you copy this conversation we just had into the group chat again?"

"Of course, I want them to see my husband's ability! Meteorite descent, watch closely!"

Fang Qingye smiled faintly, said nothing more, and put down his phone.

By now, the group chat had descended into chaos.

"What skill does he have to finish a mathematical model in two hours? And make it better than ours?"

"He's bragging! If he had such ability, he wouldn't be stuck at a state-owned bank; Citibank and Morgan Stanley in Shanghai would have already lined the streets to welcome him!"

Dongguan Girl surprisingly did not defend Fang Qingye.

Perhaps she also thought the other party was bragging.

Fang Qingye naturally couldn't see the messages in the group; he had already started building the model.

He knew in his heart that, according to normal logic, it was absolutely impossible to build such a high-demand, complex mathematical model within two hours.

But...

I am a reborn person.

What is the most awesome thing more than ten years later?

AI.

Before his rebirth, Fang Qingye had already built a similar mathematical model using DeepSeek (Deep Search), which had been released domestically just a few days prior.

For things that require humans to rack their brains, AI does them effortlessly.

Following his memory, Fang Qingye typed rapidly while softly humming the most popular song of this summer.

Writing poems for you, freezing for you,

Doing the impossible for you,

Playing the lines of all love songs for you.

Huh...

If we have money in the future, how about we get an AI large model to play with?

Why build one ourselves? Just recruit that DeepSeek's Liang Wenfeng directly...

Fang Qingye was writing with great enthusiasm when suddenly a faint fragrance drifted from beside him; somehow Cao Ting was standing next to him, curiously watching the screen.

"Xiao Fang, who are you writing poems for?"

"Nothing, just building a mathematical model," Fang Qingye said, instinctively shifting his body to the side.

Cao Ting looked somewhat disappointed.

She really thought Fang Qingye was writing poems for some girl.

She didn't understand or care about things like mathematical models, but she still chimed in with a couple of words.

"Not bad, but why are you writing this stuff?"

"Helping a friend, just playing around," Fang Qingye replied offhandedly.

"It must be a guy, right? No girl likes this kind of thing," Cao Ting added.

Not necessarily.

Dongguan Girl just likes it.

At this moment, Fang Qingye could confirm that Dongguan Girl was indeed a girl; whether she was a dinosaur remained to be seen.

Of course, there was no need for him to say that.

Cao Ting glanced over, found it boring, returned to her seat, and started playing on her phone, while Fang Qingye continued his modeling.

An hour and a half later, a brand-new credit risk assessment scoring card model was built, using logistic regression.

【y=f(x; theta)=\frac{1}{1+e^{-(theta_0+theta_1x_1+theta_2x_2+\ldots+theta_nx_n)}}】

Here, y represents the output result (credit risk),

x represents the input features (customer information),

theta represents the model parameters, and f represents the model function.

Fang Qingye carefully checked the formula once to confirm it was error-free, then substituted the data given by Dongguan Girl for evaluation; the results were very satisfactory. Although there were minor deviations, they were far better than the numerical models of those two idiots.

Done!

Fang Qingye looked at his watch; it was exactly two hours.

Without hesitation, he immediately logged onto QQ and sent a message to Dongguan Girl: "I have finished writing it; I am sending it to you now."

"Really???"

A whole string of question marks.

Fang Qingye said no more and immediately transferred the document.

"Alright, take your time to read it, and don't forget to transfer the money!"

Having spoken, Fang Qingye went offline—work was already over, Cao Ting had already left, so why was he still staying in the office?

After simply tidying up his desk, Fang Qingye locked the office door, went to the bike shed, mounted his small scooter, and leisurely rode home.

What he did not know was that the group with IQs above 150 had already exploded.

It turned out that Dongguan Girl hadn't even looked; she directly posted the numerical model Fang Qingye had sent her into the QQ group space and even @everyone:

"This is the numerical model my husband built in two hours. Passersby, take a look, have a peek."

Someone immediately replied:

"Can a numerical model be built in two hours? Beautiful girl, please do not insult our intelligence, including yours."

"OK! Beautiful girl, please do not waste our time; our time is very precious."

"I suggest kicking this guy out of the group; he is directly lowering our school's standing and our intelligence level!"

"Hey, are you guys too scared to look? Stop blabbering here; finish reading it before you speak!"

Dongguan Girl started to lose her temper and typed out a sentence without holding back.

The group quickly fell into silence.

Ten minutes passed.

Twenty minutes passed.

An hour passed.

The group still had no one making a sound.

"Hey, have you all gone mute? I've already bought my meal back, why is no one speaking yet? Did you guys actually read it or not?!" Dongguan Girl's words appeared on the public screen again.

Below, it remained utterly silent.

What she did not know was that in another group—a private group established by the other thirteen people excluding Dongguan Girl and Fang Qingye—messages were constantly rolling.

"Seven Bowls, did you read it? I think this numerical model is better than yours."

"I am studying it right now; stop blabbering." The other party's tone was not very polite.

"Hey, Senior Sister, your modeling skills are the highest in our group; what do you think?" Someone @ed "Listen to a Man Talk Nonsense" again.

After quite a while, the other party finally replied: "I have finished reading it; it is indeed higher in level than the one built by Seven Bowls. I now have to suspect."

"Suspect what?"

"I suspect what the Beautiful Girl said: Is that Donghai Daoke really just an undergraduate graduate from Shencai? With his modeling speed and level, even I, a dignified doctoral student from Yan University, cannot compare; how could he be a ordinary staff member at a grassroots bank?"

When "Listen to a Man Talk Nonsense" typed out the line above, a brief silence appeared in the group.

After a moment, "Handsome Enough to Slow Down the Network Speed" finally replied: "The Beautiful Girl and I go to the same school. I saw her a while ago while getting food in the cafeteria; we talked about this matter. She said Donghai Daoke is indeed a Shencai undergraduate graduate, and the transfer address is a grassroots bank in a certain province of Jiangsu."

"What is his name?"

"Fang Qingye"