什么是defi？对普通人有什么影响呢

DEFi 是去中心化金融（Decentralized Finance）的缩写，它代表了一种新兴的金融模式，借助区块链技术，将传统金融服务的中心化机构换成分布式网络，以实现更高的效率和更高的安全性。

DEFI is an acronym for decentralized finance, which represents an emerging financial model that uses block chain technology to transform traditional financial services into distributed networks to achieve greater efficiency and security.

DEFi 的核心思想是“去中心化”，它通过智能合约和区块链技术，实现了金融服务的去中心化。在这种模式下，任何人都可以参与金融服务，不再需要依赖传统的金融机构。这种模式不仅提高了金融服务的效率，还降低了金融服务门槛，让更多的人可以享受到金融服务的便利。

The central idea of DEFI is “decentralization”, which decentralizes financial services through smart contracts and block chain technology. In this model, anyone can participate in financial services and no longer rely on traditional financial institutions. This model not only improves the efficiency of financial services, but also reduces the financial services threshold, making them accessible to more people.

对于普通人来说，DEFi 的影响主要体现在以下几个方面：

For ordinary people, the impact of DEFI is mainly in the following areas: .

增加金融服务的可及性：DEFi 的去中心化特性使得金融服务不再受限于地理位置、经济条件等因素，任何人只要有互联网连接就可以享受到金融服务。

Increases access to financial services: The decentralised character of DEFI makes financial services no longer subject to geographical location, economic conditions, etc., and anyone who has Internet connections has access to financial services.

提高金融服务的效率：DEFi 的智能合约和区块链技术可以大大提高金融服务的效率，减少了传统金融服务中的繁琐流程和人为失误。

Improving the efficiency of financial services: The smart contracts and block chain technologies of DEFI can significantly improve the efficiency of financial services and reduce cumbersome processes and human failures in traditional financial services.

提高金融服务的透明度：DEFi 的区块链技术可以记录所有的交易记录和操作，大大提高了金融服务的透明度，减少了传统金融服务中的欺诈和不良行为。

Increase transparency in financial services: DEFI's block chain technology can record all transactions and operations, significantly improve transparency in financial services and reduce fraud and malpractice in traditional financial services.

增加投资机会：DEFi 的去中心化特性使得更多的人可以参与投资，不再需要依赖专业的投资机构。同时，DEFi 的投资机会也更加多样化，可以让投资者有更多的选择。

Increase investment opportunities: DEFI’s decentralised character allows more people to participate and no longer rely on professional investment institutions. At the same time, DEFI’s investment opportunities are more diverse and allow investors to have more choices.

总的来说，DEFi 的出现为普通人带来了更多的金融服务和投资机会，同时也提高了金融服务的可及性和效率。但是，DEFi 也存在一定的风险和挑战，需要我们理性看待和应对。

In general, the advent of DEFI has created more financial services and investment opportunities for ordinary people, while increasing the accessibility and efficiency of financial services. But there are also risks and challenges for DEFI that require our rational thinking and response.

感兴趣私信，我们编辑：Hanquankeji

Private letters of interest, our : Hanquakeji