Research On The Financial Vulnerability Of Working Families Involved In Social Work From The Perspective Of Asset Construction

Under the background of COVID-19 normalization,the problem of reducing financial risk caused by the financial fragility of wage families is becoming more and more serious.Previous studies mainly focused on whether financial literacy has an impact on financial vulnerability through quantitative analysis.The research found that the improvement of financial literacy can effectively reduce household financial vulnerability.However,there are few studies on how to improve residents’ financial literacy through specific ways.This paper mainly discusses whether social work can improve the financial literacy of working families,so as to reduce the financial vulnerability of working families,and finally realize the internal vitality and financial well-being of working family residents.This study takes asset construction theory as the tool of action and social work as the means of action to discuss the practical path of social work to reduce family financial vulnerability.It aims to improve the health and financial literacy of working families through social work intervention,so as to achieve the goal of reducing family financial vulnerability.The research is carried out in group work with the professional method of social work,and simulates family vulnerability by setting up different situations and group activities.In the group work,through the use of "people in the situation" theory,social learning theory and rational behavior theory,the group members’ financial knowledge,financial behavior and financial attitude are improved.The study found that social work professional methods can significantly improve the financial literacy of working family group members.Finally,the conclusion of this study is put forward at the end of this paper.Low financial literacy will affect the financial vulnerability of working families.Through the professional theory of social work,we can improve the three dimensions of financial literacy,and influence the five specific manifestations of social work and high financial vulnerability of working families,so as to finally achieve the goal of reducing family financial vulnerability.Finally,the author puts forward some reflections.On the premise of breaking the "stigmatization" of vulnerable groups in asset construction,it needs not only the intervention of social work,but also the participation of service objects in asset construction to realize the concept of social work helping others and self-help.