青少年金融素养干预手册的开发和实施——基于金融韧性框架的设计

摘要/Abstract

摘要： 在社会日益金融化的当下，金融素养受到越来越多的关注。弱势群体在金融社会中受信息不对称和能力欠缺等因素的影响，更易受到金融风险的冲击，且恢复力较弱。我国虽重视消费者的金融素养教育，但对青少年却较少给予关注，青少年的金融素养教育更多由家庭完成，引致了青少年金融素养总体水平较低的现状。文章以金融韧性为设计理念，选择金融风险感知、学习参与度、自我效能感等为中介变量，服务内容涉及青少年经济资源、金融资源、财务知识及行为、社会资本四个主题，设计青少年金融素养培育干预项目。同时通过对干预手册的制定、修订以及干预研究过程设计的介绍，更清晰地展现社会工作干预研究项目的实施过程。当然，以上设计是否能有效提升青少年金融素养，需要进一步对干预所获得的数据进行统计分析，以验证和不断改善方案。

关键词: 青少年, 金融, 韧性, 干预手册

Abstract: As the society becomes increasingly financialized, financial literacy receives more and more attention. Vulnerable groups in the financial society are more vulnerable to financial risks due to information asymmetry and lack of competence, and their resilience is weak. Although China attaches great importance to the financial literacy education of consumers, little attention ia paid to teenagers in this regard. Their financial literacy education is mostly shaped by families, resulting in the current situation of overall low level of financial literacy among teenagers. This study takes financial resilience as the design concept and selects financial risk perception, learning participation and self-efficacy as the intermediary variables. The service content involves four themes: economic resources, financial resources, financial knowledge and behavior, and social capital, and designs intervention programs for the cultivation of adolescents’ financial literacy. At the same time, through the formulation and revision of the intervention manual and the introduction of the intervention research process design, the implementation process of the social work intervention research project is more clearly demonstrated. Of course, whether the above design can effectively improve teenagers’ financial literacy requires further statistical analysis of the data obtained from the intervention to verify and continuously improve the scheme.

Key words: adolescents, finance, resilience, intervention manual

中图分类号:

C916

柴雪, 王子川, 王菁滢, 刘泽伟. 青少年金融素养干预手册的开发和实施——基于金融韧性框架的设计[J]. 社会工作与管理, 2023, 23(1): 26-34.

CHAI Xue, WANG Zichuan, WANG Jingying, LIU Zewei. Development and Implementation of Financial Literacy Intervention Manual for Adolescents: Based on the Design of Financial Resilience Framework[J]. SOCIAL WORK AND MANAGEMENT, 2023, 23(1): 26-34.

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