Research On Consumption Poverty And Financial Capability Improvement Of “Exquisite Poverty” College Students

With the rapid development of digital technology,social financialization and digitalization have further broadened people’s consumption channels and patterns,and then “consumption anytime and anywhere” has become a reality.In the modern society where consumerism and hedonism are prevalent,college students are easily affected by unhealthy consumption concepts and financial attitude and then fall into consumption poverty or personal financial crisis,due to their lack of sufficient judgment,self-control,systematic financial knowledge and financial ability.These will not only cause harm to college students themselves,but also bring serious consequences to the family and even the society.Therefore,to pay attention to college students’ consumption behavior and financial ability is to actively adapt to the needs of social financialization.It is also necessary to study the problem of youth consumption poverty.Through the questionnaire survey of 278 “exquisite poverty” college students facing consumption poverty and the interview with 8 students,it is found that they have“double-way” of consumption and advanced consumption behaviors.The irrational consumption concepts such as symbol consumption,conspicuous consumption and face consumption are prevalent,and their level of financial ability is generally low.The above problems are the result of multiple factors.From the individual level,“exquisite poverty” college students fall into “reality poverty” due to excessive consumption in the process of choosing labels between “unqualified consumers” and “exquisite people”.From the medium level,the lack of family and school financial education leads to the low level of financial ability of college students,so they are unable to effectively prevent financial risks.From the macro level,the influence of unhealthy consumerist culture and negative financial opportunities aggravates the generation of consumption poverty.Moreover,the negative impacts of consumption poverty cannot be ignored.For “exquisite poverty” college students,continuous elite imitation is easy to produce individual consumption anomie and identity crisis.For their families,unchecked indulgence of material desire is easy to cause financial risk and family crisis.And for the society,long-term lack of supervision is easy to produce individual financial exclusion and social governance crisis.Therefore,in order to improve the financial ability level of “exquisite poverty”college students,alleviate and solve the problem of consumption poverty,financial social workers can carry out preventive,remedial and advocacy social work services based on the Financial Capability Theory.First,promote the development of financial knowledge education and encourage college students to carry out asset construction.Second,timely provide financial treatment and social assistance.Third,promote changes in the financial environment and provide opportunities for superior financial services.