责任金融：将原则付诸实践

小额金融具有双重底线的特征，近年来爆发的信贷危机凸显双重底线之间存在的矛盾j中突。基于此，有必要对双重底线进行重新平衡，而出路就是实施责任金融战略。文章首先界定了责任金融的内涵；随后从行业自我监管、政府监管、消费者能力提高三个方面探讨了责任金融对客户保护的三个战略；最后结合实践发展现状提出了推动责任金融发展的建议。

Responsible Finance: Stresses Principles into Practice

Double bottom line is a significant characteristic of Micro finance, but the recent credit crisis has highlighted the conflict between these two bottom lines. Based on this, it's necessary to re balance it through the implementation of responsible finance strategy. This article firstly defines the connotation of responsible finance. And then, it makes analysis of consumer protection through the following three aspects; industry regulation, government regulation and ability improvement of the consumers. Finally, based on the analysis of current practice, recommendations are proposed for the further development of responsible finance.