20世纪90年代以来,金融排斥逐渐问题引起金融地理学家们的广泛关注。本文通过梳理国外相关文献,对金融排斥的概念界定及相关理论、金融排斥的现象、影响因素、结果与对策等方面进行了阐述。总体上,对金融排斥概念界定有所拓展;对金融排斥现象的分析逐步由"接触性"和"使用性"排斥研究向综合排斥研究方向发展;并从金融供给的地理排斥、金融需求的社会经济排斥以及社会环境因素排斥等多维视角阐释了"为什么被排斥";最后对金融排斥易导致的金融公平缺失、贫困加剧以及区域经济差异扩大等许多社会、经济问题及对策进行了探讨。在此基础上,总结了国外金融排斥研究趋势,并指出中国金融排斥的研究应加强对排斥的不同群体、不同空间尺度与空间演化等方面的研究。

With the relaxation of financial regulation, advances in information technology and the "multi-dimensional turns" in western economic geography since the 1990 s, the question of financial exclusion has attracted great attention from geographers due to the clear spatial characteristics of institutional networks. A comprehensive survey of relevant research in other countries shows the following main developments: research perspectives have shifted from emphasizing geographical factors to emphasizing human and institutional factors and the object of research has changed from financial exclusion in developed countries to that in developing countries. This research has focused on four topics: the definition of financial exclusion, the related theory, its phenomenon, causes and influences, and countermeasure analysis. The definition of financial exclusion has been expanded gradually from "access to the basic financial products and services" to "the use of these financial products and services". Research on the current state of financial exclusion has developed gradually from a single index description of "no bank account" to multiple indexes of quantitative financial exclusion measurements. The consequences of financial exclusion have been analyzed in terms of the resulting socio-economic problems such as the lack of financial fairness, poverty, income gaps, and the expanding of regional economic disparity, and countermeasures have been suggested.