default risk

Lenders price default risk into the interest rate they charge—higher risk borrowers pay higher rates.放贷人将违约风险计入其收取的利率中——风险较高的借款人支付更高的利率。

Unlike overcollateralized DeFi, default risk in credit protocols requires legal recourse mechanisms for actual recovery.与过度抵押的 DeFi 不同，信贷协议中的违约风险需要法律追偿机制来实现实际回收。