Research On The Financial Literacy Of Poor Families From The Perspective Of Assets Building

Urban poverty has always been a global problem,and governments are actively exploring viable anti-poverty policies.Since the reform and opening up,China's poverty alleviation work has made great achievements,especially after the promulgation of the "Interim Measures for Social Assistance" in 2014,which basically determined China's poverty relief system.At the same time,however,this "survival" means of relief cannot only meet the needs of poor families for a while,and cannot solve the poverty problem fundamentally.At present,the academic research on poverty has begun to transform to "development-oriented aid",mainly from Professor Michael Sherraden in the book "Assets and the Poor" put forward the "asset construction" theory began to rise.The theory advocates the government to organize and help poor families to carry out asset accumulation and capacity building.Among them,China' s inclusive financial policy has been included in the government work report for the fifth time since 2015.It emphasizes that the state and the government hope to pass financial services and benefit all sectors of society,especially the disadvantaged groups with income poverty.However,due to the lack of basic financial knowledge and the low financial literacy of poor people,this policy has not been able to achieve deep-level help.This study used a quantitative research method.On the basis of controlling the demographic variables,the professional tools of spss22.0 are mainly used to describe and analyze the basic living conditions and financial literacy status of poor families.The three aspects of poverty(financial assets,housing assets,physical objects)Assets)and financial literacy in three dimensions(counting and calculating compounding ability,inflation understanding ability,risk dispersion understanding ability)do linear regression or binary logistic regression analysis.Explore the relationship between poverty and financial literacy and seek new breakthroughs in relief work.The empirical research shows that the financial assets in asset poverty are significantly positively correlated with the counting and compounding ability;the housing assets have a significant positive correlation with the counting and compounding ability,and have a significant negative correlation with the inflation understanding ability;There is a significant positive correlation between physical assets and risk dispersion.Based on the results of empirical research,this study proposes the intervention project design of social work intervention in poor people' financial literacy improvement,and carries out the intervention research design with the method of professional social work.In this way,we will broaden the new ideas for poverty alleviation and give full play to the value of social work in the anti-poverty micro-field.