究竟何为金融社会工作：美国社会工作专业的思考和探索

社会工作与管理 ›› 2020, Vol. 20 ›› Issue (2): 16-23.

究竟何为金融社会工作：美国社会工作专业的思考和探索

黄进^1,2, 方舒³, 周晓春⁴

1. 美国圣路易斯大学社会工作学院;
2. 美国圣路易斯华盛顿大学社会发展中心, 密苏里州, 圣路易斯市, 63103;
3. 中央财经大学社会与心理学院, 北京, 100081;
4. 中国青年政治学院社会工作系, 北京, 100089

收稿日期:2019-11-18 出版日期:2020-03-15 发布日期:2020-04-10
作者简介:黄进(1978-),男,美籍,副教授,博士;主要研究方向:资产建设与金融赋能。

What is Financial Social Work and Its Development in the United States

HUANG Jin^1,2, FANG Shu³, ZHOU Xiaochun⁴

1. School of Social Work, Saint Louis University;
2. Social Development Center, Washington Oniversit (st. Louis), City of Saint Louis, 63103, USA;
3. School of Social and Psychological Sciences, Central University of Finance and Economics, Beijing, 100081, China;
4. Department of Social Work, China Youth University for Political Studies, Beijing, 100089, China

Received:2019-11-18 Online:2020-03-15 Published:2020-04-10

摘要/Abstract

摘要： 金融社会工作是美国社会工作的一个新兴实践领域。在这里，“金融”是一个宽泛的概念，指服务对象的一切与钱、经济和金融资源有关的事务，包括服务对象的收入、财富与资产、消费、信用、债务和金融风险等。金融社会工作采用改善服务对象金融能力的基本工作方法，来达到实现金融福祉的核心目标。美国金融社会工作建立在金融能力与资产建设的理论框架之上，它解释了普惠金融、金融知识与技能、金融能力和金融福祉之间的关系。这一理论框架可以确定不同的金融社会工作服务内容。在中国，可以通过开创和完善课程课纲体系、开拓服务新场域、梳理和评估服务成效、增强与金融机构和金融市场合作以及加强研究和探索来构建一个广泛的金融社会工作发展网络。

关键词: 金融社会工作, 普惠金融, 金融能力, 金融福祉

Abstract: Financial social work is a new practice area. In the paper,finance is regarded as a broader concept referring to everything related to money, economy and financial resources of the service objects, including their incomes, wealth, assets, consumption, credit, debt and financial risks, etc. To reach the core target of the financial well-being, such basic ways as enhancing individual and family financial capability are commonly adopted. Financial social work practices in America are based on the framework of financial capability and asset building (FCAB), one gives explanations to how financial inclusion, financial knowledge and skills, and financial capability and financial well-being, are related and connected. Guided by this framework, the services of different financial social work practices are to be identified. In China, a broader development network for financial social work can be constructed by starting and optimizing curriculum, expanding service fields, reviewing and assessing service effects, consolidating cooperation with financial agencies and markets, and strengthening research and exploration.

Key words: financial social work, financial inclusion, financial capability, financial well-being

中图分类号:

C916

黄进, 方舒, 周晓春. 究竟何为金融社会工作：美国社会工作专业的思考和探索[J]. 社会工作与管理, 2020, 20(2): 16-23.

HUANG Jin, FANG Shu, ZHOU Xiaochun. What is Financial Social Work and Its Development in the United States[J]. SOCIAL WORK AND MANAGEMENT, 2020, 20(2): 16-23.

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