中国金融社会工作发展的背景、作为与挑战  

Development of Financial Social Work in China:Background,Content and Challenge

作　　者：周晓春[1] ZHOU Xiaochun(Department of Social Work,China Youth University for Political Studies,Beijing,100089,China)

机构地区：[1]中国青年政治学院社会工作系,北京100089

出　　处：《社会工作与管理》2020年第2期41-48,共8页Social Work and Management

基　　金：中国青年政治学院留学归国人才科研支持计划“北京市流动儿童开展成长向导服务研究”(182020358)。

摘　　要：金融社会工作在我国快速发展,引发热烈的讨论与参与。通过相关理论梳理和文献资料分析,对金融社会工作发展的背景、作为和挑战进行讨论。研究发现,中国社会面临着相对贫困长期存在且贫富差异居高不下、社会数字化和金融化交互影响、对弱势群体的新型数字鸿沟和新型金融排斥等社会问题。金融社会工作是社会工作专业应对以上社会问题的有力补充,可以在金融素养、金融机会两个要素,收入、资产、消费、信用和保障五个领域,微观、中观和宏观三个层次开展干预。发展金融社会工作面临金融服务体系参与不足、数字化技术准备不足、文化滞后及社会工作专业意识和技能不足等四个挑战。Financial social work in China boasts accelerated growth,arousing heated discussions and participation.Though analysis on relevant theories,papers and discussion on backgrounds,actions and challenges of financial social work,the study finds that Chinese society is faced with the lingering relative poverty,the wider wealth gap,the interactive influence from social digitalization and financialization,the new digital division and the new financial exclusion to the vulnerable groups,etc.Financial social work offers a powerful supplement for professionals to deal with the above social problems.Interventions can be carried out from two factors of financial literacy and opportunity,five areas of income,assets,consumption,credit and security,as well as from micro-,medium-and macro-levels.The study also discusses the four challenges facing the finance social work,namely,under-participation of financial service systems,inadequate digital technologies,cultural lag and a lack of professional awareness and skills.

关 键 词：金融社会工作 社会金融化 新型数字鸿沟 金融排斥 新型金融排斥 

分 类 号：C916[经济管理]