Social Work On The Prevention Of Youth Credit Crisis

With the advent of the Internet era,the consumption desire of teenagers is further stimulated.Many teenagers without stable income borrow money on the credit platform to meet their personal desire.After teenagers are deeply involved in credit,they are unable to repay the high amount of loan and interest on time,and the pressure from all walks of life is gathering,which seriously hinders the normal life and study of teenagers and endangers their healthy growth.The non-performing credit crisis of teenagers can not be ignored.It is urgent to speed up the implementation of services to prevent and resolve the credit crisis of teenagers.Based on the investigation of R street in S district of F City,it is found that the young people lack basic financial quotient knowledge,and lack awareness of the crisis of various illegal lending platforms.Credit consumption has become the mainstream consumption mode of young people,but the risk control of credit platform is insufficient,the supervision of relevant government departments is not strict,and the bad credit of young people seriously affects the physical and mental health of young people,aggravates the family economic pressure,and endangers the social atmosphere and stability.The main influencing factors of teenagers' falling into the credit crisis are immature consumption psychology,wrong consumption concept,lack of financial intelligence and credit knowledge,insufficient risk identification and crisis response ability;weak family support system,lack of good family communication,inadequate family education and supervision;lack of popularization of school financial knowledge education,and lack of government departments' support for credit crisis The platform control is not strict,and the social publicity about the harm of youth credit is insufficient.Social work adheres to professional values such as people-oriented,helping others and self-help,emphasizes "people in the situation",pays attention to the interaction between teenagers and their surroundings,and links and integrates teenagers' social resources.Through the use of group work and community work methods to intervene in the prevention of youth credit crisis,to spread positive consumption concept and inclusive finance knowledge to community residents and teenagers.It is found that the intervention of social work has produced positive effects,playing an important role in advance prevention and critical correction.Teenagers and community residents have learned basic financial knowledge and legal knowledge related to credit,improved their awareness of vigilance against non-performing credit and their ability of self-protection,learned how to deal with credit crisis scientifically,and established correct values and rational consumption concept.