However, once interest rates began to rise and property prices began to fall rapidly, borrowers were unable to refinance. (Justin Lahart, 2007) Therefore, commercial banks will face many risks in pursuit of profits. These risks will have a negative impact on the financial system. In the financial system, because producers can create more wealth. At the same time, they also need abundance funds to run and grow their business. Producers therefore always remain a pillar. Howells. Bain stated that "producers often dominate the regulatory process since the activities of regulators are much more important to each of a relatively small number of producers than to each of a very large number of relatively small producers than to each of very major producers. number of consumers. »(Howells.Bain, p365, 2007) The agency prefers to pay attention to the benefit of producers. For the customer, this lacks fairness. Especially for non-professional clients who have no investment experience, so they deposit their money into the