2010年2月美国及其它成熟市场上,不负责任的金融活动和金融产品的危害持续发酵,继续影响全球金融,此时,负责任金融一词在新闻中频繁出现1。很明显,监管失败是金融系统崩溃的重要原因2。全球金融危机也带来了一线光明,这就是金融消费者保护受到了更多关注。在拥有发达金融市场的国家, In February 2010, the negative consequences of irresponsible financial activities and the dangers of financial products in the United States and other mature markets continue to affect global finance, where the term responsible finance frequently appears. Clearly, regulatory failure is a major cause of the collapse of the financial system 2. The global financial crisis has also brought a bright light, which is that financial consumer protection has received more attention. In countries with developed financial markets,