On The Risk Prevention Of College Students’ Consumption Finance From The Perspective Of Financial Ability Group Work Study

With the rapid development of Internet finance,as the main force of Internet consumption,college students’ consumption behavior has been greatly affected.At present,college students’ consumption is generally faced with problems such as low level of financial literacy,the financial market environment needs to be improved and so on.Internet fraud and "campus loan" incidents occur from time to time,and the problem of college students’ consumption financial risks needs urgent attention.Based on the theoretical perspective of financial competence,this paper takes the students of Sichuan X University as the research object,reviews relevant literature on financial competence and consumer finance risks of college students,and analyzes the current situation of consumer finance risks of college students from the two aspects of internal financial literacy and external financial opportunities.It is found that college students generally have problems such as lack of financial basic knowledge and financial skills.On the basis of further clarifying the influencing factors of college students’ financial ability,this paper designed and carried out the group activity of "Preventing Consumer Financial Risks"--Improving Financial Literacy.Focusing on the theme of improving personal financial literacy(financial knowledge and skills),the group members were encouraged to take the initiative to learn financial knowledge with the help of group working methods.In the early stage of the group,I independently learned the basic knowledge related to finance from the personal level.In the middle of the group,financial knowledge should be cultivated from the interpersonal level to strengthen financial skills.In the later stage of the group,practice and interaction are carried out from the perspective of people and environment.Through the development of practical work,from the school,social policy and other aspects of the analysis and thinking.The study found that it is necessary to strengthen the prevention of consumer financial risks among college students,and appropriate group work intervention can effectively improve the financial literacy of college students.On the one hand,through strengthening the study of financial knowledge,college students can improve their individual financial security awareness and capital control ability.On the other hand,we should link financial education channels and build a "home-school-society" cooperative education mechanism to realize financial education for college students and improve their financial ability in the steady progress.