青年的金融风险、金融能力和社会工作干预  

The Youth’s Financial Risk, Financial Capability and Financial Social Work Intervention

作　　者：周晓春[1] 邹宇春[2] 黄进 Zhou Xiaochun;Zou Yuchun;Huang Jin

机构地区：[1]中国青年政治学院社会工作系 [2]中国社会科学院社会学研究所 [3]美国圣路易斯大学社会工作学院

出　　处：《青年研究》2019年第3期69-81,96,共14页Youth Studies

基　　金：社会科学重大基金“中国社会质量基础数据库建设”滚动项目;中国青年政治学院校级项目“大学生金融能力和金融风险研究:金融社会工作视角”(666050110)的支持

摘　　要：青年遭遇创业骗局、大学女生遭遇"裸条"贷款、学生校园贷危害等现象引起社会关注。通过对四个典型案例的分析,基于金融能力框架对这一现象给予理论解释。研究发现:在社会金融化的大背景下,青年人自身以及家庭、社会的金融素养都不足,在缺乏正规金融服务机会的同时,非正规金融服务迅猛发展,从而导致青年遭受金融风险,进而危害其健康成长。建议开展不同层次金融社会工作干预,包括出台金融能力与资产建设导向的社会政策,开展全民金融知识和能力的训练,对陷入金融风险的青年提供法律咨询和其他救助等。The following phenomena have attracted social concern: the youth encounter entrepreneurial scam,the female college students encounter the "naked" loans,and the student campus loans have risk,etc.This paper uses case study method regarding multiple cases and analyzes four typical cases.Based on the framework of financial capability,we try to provide the theoretical explanation for these phenomena.According to the findings,under the macro context of social financialization,the financial literacy of youth themselves,their families and the whole society are insufficient.The opportunities for formal financial services are lacking,meanwhile the informal financial services develop rapidly.Hence the young people could suffer from financial risk,which in turn jeopardize their healthy growth.We suggest to carry out the financial social work interventions at different levels,including publishing social policies in financial capability and asset-building,conducting training in financial knowledge and ability for all people,providing young people trapped in financial risk with financial counseling,legal counseling and other assistance,etc.

关 键 词：金融化 金融能力 青年发展 金融社会工作 校园贷 

分 类 号：F832[经济管理—金融学]