Case Intervention Study On College Students’ Campus Online Loans Behavior From The Perspective Of Financial Social Work

Although financial social work has been introduced to China,it has lasted for less than a decade.In particular,research on countermeasures to prevent Internet financial risks is still in its infancy,and there is very little relevant practice.This study examines the basic situation of social work interventions in campus online lending by analysing the general situation of financial social work learning from the West to the East,and recognises that the key point in solving the problem lies in mastering the motivation and process of client behaviour in campus online lending.In order to explore the basic situation and factors influencing the behaviour of university students in campus online lending,this study firstly selected 320 university students from X university in Jiangxi province as the research subjects and collected data available for research by distributing questionnaires.This study found that the respondents generally had insufficient financial ability,low financial literacy and weak financial knowledge,and analysed and summarised the manifestations and hazards of this situation.Data analysis shows that university students’ campus online lending behaviour is mainly influenced by personal perceptions and other factors.Based on this,this paper,guided by financial empowerment theory and the rational emotion therapy model,selected a university student with experience of campus online loans as a case service client through an internship at a police station near X University.In order to help the client get out of the dilemma of campus online loans,the social worker assessed his needs and problems and developed a specific intervention plan.The internship involved a total of five sessions in response to the client’s problems with campus online loans.The case interventions show that structural problems need policy and institutional support to be completely resolved.For individual guidance,social workers need to take the following measures: firstly,to establish a restorative support system by linking resources;secondly,to use rational emotive therapy to correct clients’ irrational beliefs.Social workers integrate the resources of various support systems to help clients relieve psychological stress and change irrational perceptions in order to help them build up core financial literacy and risk-mitigating abilities.