Geoup Work Intervention Research On College Student’s Consumption Risk Prevention From The Perspective Of Financial Ability Improvement

Under the background of increasingly financialized and digitized society,the daily life,economic activities and social communication of college students are inseparable from finance.On the one hand,the rise of mobile payment and online consumption makes the consumption life of college students more convenient.On the other hand,as various financial services enter the daily life of college students,consumption risks are brought along with them.In recent years,the college students’ ability to accept new things has been enhanced,and the consumption demand is strong.However,the lack of the ability to identify false information and the consciousness of "advanced consumption" lead to a variety of unreasonable consumption behaviors,and various consumption risk cases occur frequently,resulting in the loss of the interests of individuals and their families.Their unreasonable consumption mode and lack of ability to deal with consumption risks seriously affect their own development,but also easy to cause a bad impact on society.Therefore,it is particularly important to help college students improve their financial ability and prevent consumption risks.Professional social work intervention can stimulate college students’ interest in consumption expenditure planning,popularize financial knowledge,improve their financial management ability,and enhance their awareness of risk prevention,so as to better prevent consumption risks of individuals and their families.By means of questionnaire survey and in-depth interview,this paper investigates and evaluates the consumption risk of Q university students in Shandong Province.On this basis,under the guidance of financial ability theory and social learning theory,6college students with representative significance were selected as service objects by using group work methods and skills,and 7 group activities were carried out on them.The main purpose of the activities was to help college students improve their ability to identify consumption risks,correct unreasonable consumption concepts in the past,and establish correct consumption concepts.Cultivate students’ interest and ability in learning personal financial management,master certain financial knowledge,stimulate students’ potential,improve their financial knowledge level,guide students to strengthen financial risk awareness and stay away from illegal financial activities.The content of the intervention is carried out from five aspects: first,the analysis of the current consumption structure and consumption mode of college students,the interpretation of various consumption risk cases,learning to identify the means of consumption fraud;Second,guide the group members to strengthen the awareness of consumption risk prevention,establish a correct consumption concept,and stay away from illegal financial activities;Third,I led the team members to learn financial management planning and develop the habit of bookkeeping and saving.Fourth,popularize the financial information and channels needed by college students in daily life to improve their financial knowledge and judgment ability;Fifth,cultivate financial thinking and financial ability of college students.Finally,after the group activity,the multi-angle assessment was carried out.The results showed that the consumption situation of college students was improved,the awareness and ability of consumption risk prevention were strengthened,and the level of financial ability was also improved.Finally,this activity is summarized and analyzed,and suggestions are put forward from four aspects.Guide college students to master prevention methods in practice,improve their financial ability level,jointly create a safe campus consumption environment,and really effectively prevent the occurrence of college students consumption risk events.