Europe and Japan on Monday turned a cold shoulder toward a U.S. request that they bail out banks in the manner now being proposed in the United States.

The German chancellor, Angela Merkel, also took the opportunity to sharply criticize the United States and Britain for opposing German attempts to put greater regulation, or at least reviews, of the financial sector on the international agenda last year, when she was chairing the Group of 7 industrialized nations.

“Everyone who produces a real product knows what it looks like and what standards it is up to,â€