Brian Brooks, mtsogoleri wa US Ofesi Yoyang'anira Ndalama, adalemba za kuthekera kwa DeFi kutsegulira njira yoyendetsera mabanki. Monga munthu wodziwika komanso wokondera pagulu la crypto, Brooks adathandiziranso nkhaniyi pamatekinoloje amtunduwu pokambirana mbali zabwino za DeFi.
Brooks akuti anthu ayenera kukonzekera mabanki oyendetsa okha posachedwa monga momwe amawonera magalimoto oyendetsa okha kumayambiriro kwa zaka za m'ma 60.
Makampani opanga magalimoto adabweretsa magalimoto amtsogolo kale kuposa momwe ambiri amayembekezera, makamaka oyang'anira zamalamulo ndi chitetezo. Mwakutero, magalimoto odziyimira pawokha adabweretsa zoopsa zatsopano zomwe dziko lamasiku ano silinaganizirepo - popanda mabungwe owongolera.
Malingaliro a Brian Brooks, mabungwe amabanki akupita kumsewu womwewo. Mothandizidwa ndi mphamvu yazandalama (DeFi), ukadaulo wosokoneza wa blockchain umatha kusinthiratu momwe anthu amakono amagwirira ntchito zachuma.
Kwa mutu wa Woyang'anira wamkulu kubanki ku America, chitetezo chimakhala chofunikira pagulu lililonse lazachuma. Maofesi, monga oyang'anira zoopsa ndi oyang'anira wamkulu wamaudindo, makamaka ali ndi udindo wotere. Kuphatikiza apo, a Brook akuwonjezera kuti amayang'anira osunga ndalama osati mabanki.
DeFi imapangitsa kupotoza dongosolo ili chifukwa limabweretsa ukadaulo wa blockchain. Mwanjira zonse, zimachotseratu kufunikira kwakulumikizana kwa anthu ndi kulumikizana. Okonza okha atha kupanga misika yonse yazandalama yomwe imagwiritsa ntchito mitengo yabwinobwino yokhazikitsidwa ndi komiti yakubanki.
Ena mwa okonda ukadaulo awa amatha kupanga kusinthana kwakanthawi komwe kumachitika popanda olipira, oyang'anira ngongole, kapena makomiti angongole. Mtsogoleri wa OCC akuti mabungwe atsopanowa siocheperako, amawatcha 'mabanki oyendetsa okha.'
A Brian Brooks Akulongosola Zachuma Pazomwe Mungasinthe Kukhala Mabanki Oyendetsa Ma DeFi
Mapulogalamu a DeFi kubweretsa zovuta zonse ndi maubwino kwa munthu wamba, monga magalimoto odziyimira pawokha. Mbali zabwino ndikuti ogwiritsa ntchito amatha kupeza chiwongola dzanja chabwino kudzera ma algorithms ndikupewa kusankhana kochitidwa ndi obwereka.
Kapangidwe kameneka kangateteze zachinyengo zamkati ndi ziphuphu posakhala ndi mabungwe azachuma oyendetsedwa ndi anthu.
Komabe, palinso zoopsa. Ndalama Zogulitsidwa Ikuwonetsa zoopsa zakumapeto kwa chuma, kusakhazikika kwazinthu zambiri, komanso kuwongolera ngongole zokayikitsa.
Monga momwe zimakhalira ndi magalimoto oyendetsa okha, oyang'anira mabungwe akhoza kudumpha kuti akwaniritse zosowazo. Potero, zotsatira zake zitha kukhala kukhazikitsa malamulo osagwirizana omwe amalepheretsa chitukuko chamsika.
Pomaliza, mawu a Brian Brook ndikuti oyang'anira mabungwe akuyenera kukhazikitsa malamulo omveka bwino, achidule komanso osasintha.
Amalimbikitsa kukonzanso malamulo akale amabanki azaka za zana la 20 omwe amaletsa mabungwe azachuma omwe sianthu kukhala ndi ufulu wofanana ndi mabanki. Kuwatcha kuti 'malamulo akale' amathandizira kukhazikitsidwa kwa malamulo amakono omwe DeFi amatha kugwira ntchito zenizeni.
Kuphatikiza apo, Brooks akuti kusintha kwathunthu kwachuma chambiri kukhala chachuma. Kwa iye, zimapanga dziko lopanda zolakwika ndi zoyipa za anthu. Mwachindunji, akuti:
"Kodi tingakhale ndi tsogolo lomwe tidzathetse zolakwika, tisiye tsankho, ndikupangitsa kuti aliyense athe kupeza mwayiwu? Okhazikika ngati ine amaganiza choncho. Kodi banki ku US ikadakhala yosiyana bwanji masiku ano ngati owongolera mabungwe, osunga ndalama, komanso opanga malamulo anali olimba mtima ngati opanga magalimoto zaka 10 zapitazo? ” Akutero Mutu wa ofesi ya Woyang'anira Ndalama Brian Brooks
Ndemanga (Ayi)