5Kempson E, Whyley C. Kept out or opted out? Understanding and combating financial exclusion [M]. London: The Polity Press,Cambridge , 1999.
6Kempson E,Whyley C,Caskey J, Collard S. In or out? [EB]. Financial Exclusion. A Literature and Research Review, Financial Services Authority, London, 2000. http://www. fsa. gov. uk/pubs/consumer-research/crpr03, pdf.
7Leyshon A, Thrift N. Inside/outside: Geographies of financial inclusion and exclusion in Britain[EB]. 1997. http://www. gego. not-tingham.ac.uk/-Leyshon/insideoutside.pdf.
8Leyshon A, Thrift N. Financial exclusion and the shifting boundaries of the financial system [J]. Environment and Planning, 1996,28: 1150-1156.
9Jenny Rossiter. Financial exclusion: Can mutuality fill the gap? [EB]. Seminar organised by the New Policy Institute and the UK Social Investment Forum, 1997, (6). http:// www. npi. org. uk/reports/mutuality. pdf.
10Leyshon A,Thrift N. Financial desertification[A]. Rossiter J. Financial exclusion: Can mutuality fill the gap? [C]. London : New Policy Institute, 1997 : 7-11.