关键词: 金融包容 , 金融排斥 , 金融地理学 , 过度负债

Abstract:  Under the new financial crisis, the rigidity of the financial spatial structure had been weakened. The financial inclusion became a necessary way to foster the justice, balance, improvement and mutual benefits within the society. As an extension of financial exclusion, financial inclusion was a dynamic, multilevel, and multi-dimensional concept. It concerned not only the inclusion of micro supply-demand subject, but also the inclusion coexistence of regional aspect, i.e. the coordination of regional economy, finance and the society, the coordination of urban and rural finances, and the coordination of interregional finances. The factors that affected financial inclusion were the demand, the supply and the society, respectively. The strength and the ways they affected financial inclusion varied with different country, culture, history, economy, and society. Depth inclusion was more important than breadth inclusion. The former could not be interpreted simply as universal banking services. The essence of inclusion lied in that all the participants had the same chance,autonomy options and mutual benefits based on enough information.

Key words: financial inclusion , financial exclusion , financial geography , over-indebtedness