Research On The Improvement Of Financial Capacity Of Low-income Groups In Urban

In the context of Inclusive Finance,more and more financial products and services on the market gradually entered the lives of the people,and people were dazzled.Vigorously develop the Inclusive Financial Policy,require the improvement of finance capabilities of all walks of life,and the low-income people in urban low income is one of the important service objects of Inclusive Finance,the low-income group is limited by its own financial knowledge,and the environment leads to financial opportunities Waiting for the reason,it is more likely to fall into the financial trap.Town low-income groups is also one of the important service objects of social work.This paper discusses how to improve the financial capacity of urban low-income groups from the perspective of financial social work,not only the beneficial trial of social work services,but also the beneficial advancement of financial social work.This paper relies on the low-income group visits in Yantai Development Zone,focusing on the X Community of Yantai City,Shandong Province,with interviews,understand the financial capacity of low-income people in the community,and analyzes low-income residents in their own finance.Through interviews,there is the following problems in the current urban low-income group itself: the financial management is insufficient,the basic financial knowledge is lacking,the financial risk awareness is low,and the network payment tool is used.Based on this,the author starts from the perspective of financial social work,using the team working method,with an increase in the theory,asset construction theory and Maslow need theoretical basic intervention,and has formed a six-person education team,mainly from enhancement of financial consciousness.Improve financial knowledge level,master financial skills,prevent the goal of falling into fraud,rational planning and spending,etc.Through 8group activities,the author has improved the financial capacity of the low-income people in the above-mentioned urban low-income people,so that the low-income population of urban low income is better improved in the above financial capabilities.Then,the effect of the entire group activity is checked through the process assessment,the effect evaluation and satisfaction assessment.The results show that the X Community Financial Services Group has improved under the intervention of social workers’ team,so the financial capacity of urban low-income groups can be effectively involved through social work.Finally,this paper summarizes and reflects the entire activities and research.The existence group is subject to ethical restrictions,the service effect is poor,the author’s practical ability is lacking,and the accuracy of the assessment mechanism needs to be improved,and still need further improvement.The author is looking forward to the research.It is recommended to attach importance to enhance individual financial literacy,create a harmonious community financial environment,and promote the government to develop targeted Popular financial policies.At the same time,more scholars have also hoped that more scholars have joined the financial social work practice research.