中文摘要：

金融排斥深层次原因是利率管制和市场失灵，我国应该把重点放在治理市场失灵型的金融排斥上。以美国为代表的西方国家在20世纪70年代发展起来的社区发展金融是治理市场失灵型金融排斥的有效模式，社区发展金融在西方已经发展了近半个世纪，在治理市场失灵型金融排斥上取得了很好的效果和经验，可以为我国治理市场失灵型金融排斥提供很好的启示。

英文摘要：

The deep-seated reason of financial exclusion is the interest rate regulation and market failure, Our country should focus on governaning the financial exclusion by market failure. The community development finance developed by the western countries represented by America in the 1970s is an effective mode of governaning the financial exclusion by market failure. Community development finance has developed for nearly half a century in the west, has obtained the good effect and experience on the management for financial exclusion by market failure, can provide good inspiration for our country to governance financial exclusion by market failure.