I'm in the county town, and you say I'm a big shot?

Chapter 38 250 Provocation
But he remained silent.

Just like with Jiang Chen, what’s the point of meaningless verbal disputes?
Besides, how do you know the person typing on the screen is a top student from MIT? Maybe he's just a middle school student.

Even a dog?

But the Dongguan girl seemed a little angry. A line of words quickly appeared on the screen: "Qi Wan Ban, you actually look down on my husband! I challenge you on my husband's behalf. In the name of Uchiha Itachi, I want to duel you!"

"Oh how to duel?"

"Modeling! I'm going to give you a problem now. Whoever can write the most effective and practical mathematical model in the shortest time will win! Of course, it's not just you two; everyone in the group can participate!"

"OK! I accept the duel!"

"I'll join in too!"

"How can I be missing? Fight, young man!"

The Dongguan girl quickly typed a lot of text on the screen. Fang Qingye took a closer look and found that it was a model about credit risk assessment!

Calculate the probability of loss due to changes in the market value of the borrower's debt due to changes in its credit rating and its ability to perform.

What the hell!

so tough?
But wait.

Fang Qingye suddenly remembered something and immediately sent a private message to Dongguan girl: "Dongguan girl, this is such a difficult question, what's the benefit if you win?"

"My husband, winning means you have succeeded in the duel. Your superior intelligence and knowledge have caused the fire of your microcosm to burn brightly, and you will overcome everything!"

"That's it? It has no practical significance?" Fang Qingye asked again, a little unconvinced.

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

Seeing this sentence sent by Dongguan girl in private chat, Fang Qingye was stunned and quickly added:
"Do they all think so?"

"Yes, we often play this kind of game in the group and never get tired of it, but today's difficulty is a little bit higher, husband, are you scared? Are you going to back down? You must hold the sword tightly in your hand, victory is just ahead!"

Seeing this message from the other party, Fang Qingye was furious and cursed: "Are you afraid of your sister? Am I sick? What's the point of this meaningless fight? I'm leaving!"

After saying that, Fang Qingye immediately logged off.

A bunch of idiots, psychopaths!
Fang Qingye cursed angrily, picked up the teacup and took a sip, then suddenly remembered something.

That girl from Dongguan hasn’t even paid herself 35 yuan for modeling yet!

He quickly logged into QQ again and saw that the message in the group was still shaking. Fang Qingye blocked it without even looking at it, and then sent a message to the Dongguan girl.

"Hurry up and transfer the money!"

"Oh, husband, they are laughing at you in the group." The Dongguan girl replied.

Laugh at your sister.
Fang Qingye was very suspicious that this was a deliberate trick played by the Dongguan girl. She used this method to let these idiots build the model, and she would reap the benefits without spending a penny.

Their IQ is really 250!

He cursed and typed two words: "Send me money!" followed by several bloody knives.

"OK!"

The Dongguan girl replied, and within a few minutes, Fang Qingye received a text message on his phone, notifying him that 35 yuan had arrived.

Um.
Although this Dongguan girl is a little crazy, she keeps her word.

Fang Qingye was very satisfied with this.

With the additional 35, Fang Qingye continued to increase his holdings without hesitation and pre-purchased another 291 lots, bringing the total pre-purchased to 1124 lots.

Just wait until the profits double.

Fang Qingye closed Tong Huashun and opened World of Warcraft
The next day at work, Fang Qingye continued to slack off. He stopped paying attention to the stock market, but he still had to read the two books that Xia He had bought for him.

He had already finished "Benchmark Analysis Methods in Mathematical Finance" and was now preparing to read "Financial Stochastic Analysis." The two volumes in this set were quite extensive and complex, but Fang Qingye wasn't in a hurry. He had plenty of time to waste.

Young is good.

Fang Qingye sighed inwardly, poured himself a new cup of tea and looked at it carefully.

Now there are only him and Cao Ting sitting opposite him in the office. The other two are out doing business. One of them is playing with his mobile phone and the other is reading a book. The office is very quiet.

Suddenly, the cell phone on Fang Qingye's desk made a "tick-tick-tick" sound and a window popped up.

My friend "The Invincible Beauty of the Universe" requested a video chat!
The QQ sound was so loud that it startled Cao Ting who was sitting opposite. She looked at Fang Qingye's phone curiously.

Fang Qingye immediately clicked the X to refuse.

The other party requested video chat again!
Fang Qingye refused again.

Cao Ting smiled and said, "Xiao Fang, a netizen wants to video chat with you, why don't you answer? I see that the avatar is a girl, is it inconvenient? Then I'll go out first." After saying that, she stood up and was about to walk out.

"Sister Cao, it's nothing. This person is sick, so don't pay any attention to him." Fang Qingye said hurriedly.

But I was thinking: What happened?
Ever since I rejected her video chat last time, the girl from Dongguan has never actively requested a video chat again. Why did she do it twice in a row today?

He picked up his phone and clicked on the Dongguan girl's profile picture, of course it was a private text chat.

"Are you sick? Don't you know I'm at work now?!" Fang Qingye replied unhappily.

"I know, husband, but you ignored me when I sent you a text." The other party replied quickly and typed a few crying emojis.

Fang Qingye was naturally indifferent and typed a few words:
"What's the matter? Tell me!"

"You should look at the Daqun and see the digital models they built."

After hearing what the Dongguan girl said, Fang Qingye became curious. What kind of digital models did these idiots who claimed to have an IQ of 250 build?
He opened the group chat and ignored a bunch of meaningless chat records, including the mocking words from the person named "Eat seven and a half bowls in one meal".

There's no point in arguing with those people.

Two documents appeared in the group, uploaded to the group space. Fang Qingye clicked on them and took a look. They were actually established numerical models, all of which were topics posed by the Dongguan girl: models for credit risk assessment.

He looked carefully and found that one used the KMV model and built a model based on it, while the other belonged to the MTM model category.

This is just the output of the model.
Fang Qingye studied it carefully for a while and felt it was not satisfactory.

Are the girls from Dongguan also not satisfied?

Fang Qingye thought of this and typed to the Dongguan girl again.

"I've reviewed all the models I've built. What's wrong?"

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

"Very average."

"Really? Tell me your reasons?"

"This model, called 'A Mathematical Model Based on Men's Lies,' is based on the KMV model. Its biggest drawback is that it focuses solely on default predictions while ignoring changes in a company's credit rating. Therefore, it only assesses the risk of credit assets directly linked to the company's asset value, or more directly, the loan aspect."

"This glutton, whose QQ name is "Eating Seven and a Half Bowls a Meal," built an even worse model. While the MTM model generally aligns with the operating philosophy of my country's state-owned commercial banks, it has a fatal flaw: its assessment of credit risk relies heavily on changes in the borrower's credit rating. Under my country's current credit environment, the probability of large losses is likely high!"

Fang Qingye typed a long paragraph of text, but the Dongguan girl who usually replied immediately seemed to be quiet today.

going offline?
Impossible, the avatar is still lit.

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

Little did he know that at this moment, the Dongguan girl was copying and pasting his private chat words onto the public screen in the group without changing them.

(End of this chapter)