在线金融教育对社会工作者金融素养提升的作用研究

社会工作与管理 ›› 2023, Vol. 23 ›› Issue (2): 37-46.

在线金融教育对社会工作者金融素养提升的作用研究

周玲, 张东

北京城市学院公共管理学部, 北京, 100094

收稿日期:2022-08-30 出版日期:2023-03-15 发布日期:2023-04-27
通讯作者: 张东(1994-),男,汉族,硕士;主要研究方向:金融社会工作,教育心理学。E-mail:zdong126@126.com。 E-mail:zdong126@126.com
作者简介:周玲(1980-),女,汉族,副教授,博士;主要研究方向:社会组织管理,金融社会工作,残障社会工作。
基金资助:
中国社会工作联合会“中国社会工作者金融能力通识培训项目”。

Research on the Effect of Online Financial Education on the Improvement of Social Workers' Financial Literacy

ZHOU Ling, ZHANG Dong

Department of Public Administration, Beijing City University, Beijing, 100094, China

Received:2022-08-30 Online:2023-03-15 Published:2023-04-27

摘要/Abstract

摘要： 社会工作者的金融素养提升对于其自身和服务对象均具有重要意义。通过对国内首个社会工作者金融能力提升在线金融教育项目培训的前后测，评估在线金融教育对于社会工作者金融素养提升的成效，并探究个人因素的影响。研究发现，参训社会工作者在金融教育背景、参加相关培训机会、平时主动学习金融知识习惯等方面均非常不足，金融素养提升面临挑战；在线金融教育对于提升社会工作者金融素养具有显著作用，其中男性、研究生以上学历、全职工作7年以上的社会工作者金融素养提升最为显著；金融素养提升后社会工作者具有更强开展相关服务的意愿和信心。

关键词: 金融教育, 金融素养, 金融社会工作

Abstract: The improvement of social workers' financial literacy is of great significance to both themselves and their clients. Based on the first online financial education program for social workers, this study is aimed to improve their financial competence in China, and evaluates its effectiveness through pre-and post-training, and explores the impact of personal factors. The study found that social workers who participated in the training were very inadequate in financial education background, relevant training opportunities, and only a very little part of them have the habit of actively learning financial knowledge at their daily times. At the same time, they are facing challenges in improving financial literacy. Online financial education can play a significant role in improving the financial literacy of social workers, among which the improvement of financial literacy of male social workers, social workers with a graduate degree or above and more than 7 years of full-time work is more significant. With the improvement of the financial literacy, social workers have stronger willingness and confidence to carry out relevant services. Finally, the study puts forward four suggestions for improving the financial literacy of social work in China.

Key words: financial education, financial literacy, financial social worker

中图分类号:

C916

周玲, 张东. 在线金融教育对社会工作者金融素养提升的作用研究[J]. 社会工作与管理, 2023, 23(2): 37-46.

ZHOU Ling, ZHANG Dong. Research on the Effect of Online Financial Education on the Improvement of Social Workers' Financial Literacy[J]. SOCIAL WORK AND MANAGEMENT, 2023, 23(2): 37-46.

参考文献

[1] 焦欢. 当前公众金融素养和金融观念调查报告[J]. 国家治理, 2019(13): 12-22
[2] 邓伟志. 社会学辞典[M]. 上海: 上海辞书出版社, 2009: 52.
[3] 黄晓勇. 社会组织蓝皮书: 中国社会组织报告(2020)[M]. 北京: 中国社会科学出版社, 2020.
[4] 王勇.青翼第五期全国社工发展调研之工资调研报告发布报告显示社工月平均工资为3975元[EB/OL]. [2018-10-16]. http://www.gongyishibao.com/html/yaowen/13223.html.
[5] 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(2): 16-23
[6] 周玲, 杜娟. 社会组织从业者金融素养现状及其影响因素研究——基于我国31个省市自治区956份问卷[J]. 社会工作与管理, 2020(2): 32-40
[7] 王宇熹, 杨少华. 金融素养理论研究新进展[J]. 上海金融, 2014(3): 26-33, 116
[8] 刘国强. 我国消费者金融素养现状研究——基于2017年消费者金融素养问卷调查[J]. 金融研究, 2018(3): 1-20
[9] LUC ARRONDEL, MAJDI DEBBICH, FREDERIQUE SAVIGNAC. Financial literacy and financial planning in France[J]. Numeracy, 2013, 6(2): 1-8
[10] DAVID BOISCLAIR, ANNAMARIA LUSARDI, PIERRE-CARL MICHAUD. Financial literacy and retirement planning in Canada[J]. Journal of pension economics and finance, 2015, 16(3): 277-296
[11] JEHANGIR PHEROZE BHARUCHA. Socio-economic and demographic determinants of Indian youth financial literacy: determinants of financial literacy[J]. International journal of Asian business and information management (IJABIM), 2017, 8(4)
[12] BUCHER-KOENEN TABEA, ZIEGELMEYER MICHAEL. Once burned, twice shy? financial literacy and wealth losses during the financial crisis[J]. Review of finance, 2014, 18(6): 2215-2246
[13] 王宇熹, 范洁. 消费者金融素养影响因素研究——基于上海地区问卷调查数据的实证分析[J]. 金融理论与实践, 2015(3): 70-75
[14] SHIZUKA SEKITA. Financial literacy and retirement planning in Japan[J]. Journal of pension economics and finance, 2011, 10(4): 637-656
[15] 刘勇, 谭聪聪, 田杰. 大学生金融素养悖论: 金融瘫痪、金融自负抑或金融麻痹?[J]. 华北金融, 2022(2): 29-37
[16] BATTY M, COLLINS J M, ODDERS-WHITE E. Experimental Evidence on the effects of financial education on elementary school students’ knowledge, behavior, and attitudes[J]. Journal of consumer affairs, 2015, 49(1): 69-96
[17] 陈雨丽, 罗荷花. 金融教育、金融素养与家庭风险金融资产配置[J]. 金融发展研究, 2020(6): 57-64
[18] MANDELL L, KLEIN L S. Motivation and financial literacy[J]. Financial services review, 2007, 16(2): 105-116
[19] 罗红光, 李万超. 俄罗斯提升国民金融素养的经验与启示[J]. 银行家, 2021(2): 91-93
[20] 刘慕洁. 6到99岁全覆盖校内校外齐发力——法国央行推进国民金融教育的创新路径[J]. 上海教育, 2021(11): 50-52
[21] SANDRA J. HUSTON Measuring financial literacy[J]. The journal of consumer affairs, 2010, 44(2): 296-316
[22] HIRA T K, LOIBL C. Understanding the impact of employer‐provided financial education on workplace satisfaction[J]. Journal of consumer affairs, 2010, 39(1): 173-194
[23] 彭倩, 李建勇, 宋明莎. 金融教育、金融素养与投资组合的分散化行为——基于一项投资者金融教育调查的实证分析[J]. 财经科学, 2019(6): 14-27
[24] ESTHER DUFLO, EMMANUEL SAEZ. The role of information and social interactions in retirement plan decisions: evidence from a randomized experiment[J]. The quarterly journal of economics, 2003, 118(3): 815-842
[25] ANNAMARIA LUSARDI. Overcoming the saving slump: how to increase the effectiveness of financial education and saving programs[M]. Chicago: University of Chicago Press, 2009.
[26] 唐双英, 周小兰, 向守书, 等. COOC线上教学平台的效果评价及其影响因素分析[J]. 中国继续医学教育, 2020(5): 40-43
[27] 董伟, 张美, 高晨璐, 等. 基于用户体验的在线教育平台学习效果影响因素研究[J]. 中国远程教育, 2020(11): 68-75
[28] 曾志庆, 侯霞. 新冠肺炎疫情背景下拉萨市高等教育阶段学生在线教育满意度研究[J]. 西藏科技, 2021(10): 47-51
[29] 续继, 曾妮. 中国在职青年在线学习的性别差异研究[J]. 青年研究, 2021(4): 43-53, 95
[30] BUDI R K, MAHENDRA F, MAHIR P, et al. The role of financial self-efficacy: mediating effects of financial literacy & financial inclusion of students in west Java, Indonesia[J]. Journal of management information and decision sciences, 2021, 24(7): 1-9
[31] LIU LIU, ZHANG HUA. Financial literacy, self-efficacy and risky credit behavior among college students: evidence from online consumer credit[EB/OL]. [2022-02-01]. https://www.sciencedirect.com/science/article/pii/S2214635021001131.

Metrics

Viewed

Full text

Abstract

Cited

Shared

Discussed