论文标题
Defi风险转移：朝着完全分散的保险协议迈进
DeFi Risk Transfer: Towards A Fully Decentralized Insurance Protocol
论文作者
论文摘要
在本文中，我们提出了一个完全分散和智能合同的保险协议。我们确定了分散财务（DEFI）保险环境中的各种问题，并提出了解决这些缺点的解决方案。我们介绍了一个经济模型，该模型允许在没有任何外部依赖或集中式中介机构的情况下进行风险转移。特别是，我们的建议不需要任何形式的主观索赔评估，社区投票或外部数据提供商（Oracles）。此外，它解决了过度保险的问题，并提出了各种方法来减轻通常使用Defi抵押品出现的资本低效率。这项工作从点对点（P2P）保险和抵押债务义务（CDO）汲取灵感。我们正式描述协议，评估其效率和关键属性，并提出参考实现。最后，我们解决了进一步研究的局限性，扩展和想法。
In this paper, we propose a fully decentralized and smart contract-based insurance protocol. We identify various issues in the Decentralized Finance (DeFi) insurance context and propose a solution to overcome these shortcomings. We introduce an economic model that allows for risk transfer without any external dependencies or centralized intermediaries. In particular, our proposal does not need any sort of subjective claim assessment, community voting or external data providers (oracles). Moreover, it solves the problem of over-insurance and proposes various ways to mitigate the capital inefficiencies usually seen with DeFi collateral. The work takes inspiration from peer-to-peer (P2P) insurance and collateralized debt obligations (CDO). We formally describe the protocol, assess its efficiency and key properties and present a reference implementation. Finally, we address limitations, extensions and ideas for further research.
