Research On Financial Social Work Practice Of Online Consumption Risk Prevention For The Elderly

In the context of the increasing aging of China’s population,with the rapid development of economy and the Internet,there are many consumer traps for the elderly in differentiated market competition.It shows that fraud is common among the elderly in Yunnan through the results of field research in Kunming City,Yunnan Province and the official data released by Kunming Wuhua Branch on the prevention of electricity fraud weekly.With low financial literacy,they seem to be the vulnerable groups on the edge of the Internet due to the unskilled operation of smart phone technology and lack of financial education.There are many cases of heavy loss of life and property safety,such as lonely elderly people being scammed on social networks,a P2 P financial investment scam pensioners and empty nesters be induced to pay huge sums to network anchors.Therefore,it is urgent and necessary to help the elderly effectively prevent online consumption risks.Through financial education activities,lectures on online consumption risks publicity and popularization and reasonable advocacy of relevant policies,the legitimate rights and interests of the elderly in financial activities will be protected.Through diversified financial social work services,the risk prevention ability of the elderly will be improved.This research carried out field research in Kunming community,took“life cycle consumption theory”put forward by Franco Modigliani and“financial capacity theory”originated from asset construction as the theoretical framework,carried out practical activities with group work as the main method,and obtained the information variables of the research objects through questionnaire data.Then,Kendall coefficient test and correlation test were carried out on these variables and the cheated situation of the subject,and the correlation and positive and negative were obtained.Finally,it tries to propose the intervention path of improving the risk prevention ability of online consumer finance of the elderly group.The findings of this study are as follows: the active aging of the online consumption market can have a positive effect on the consumption of the elderly group by virtue of two factors: education level and asset construction status;The living style factors of the elderly group have a prominent impact on their consumption behavior,and the consumption demand of the elderly living alone should be paid special attention to.If this kind of elderly people encounter consumption risks,their pension dilemma will be more serious.Therefore,from the level of concrete operation feasibility,the community street office and the government’s purchase of services are the most direct and effective for them to carry out education and help.The income level of the elderly group is also one of the main factors affecting their consumption level,only after the education level and living pattern.The pension and pension of the elderly are not the full economic source of their consumption.Due to the development of the marketization,the elderly group will participate in the financial consumption transaction more and more,their assets will benefit more,their requirements for the quality of life will also increase,and they will pay more attention to the elderly care and health.It will also start to pursue a series of emerging aging products such as intelligent technology products.Based on the above research conclusions,this paper proposes that the intervention of financial social work in online consumption risk prevention of the elderly can be carried out from the following six aspects: improving the elderly’s ability to use intelligent technology,ensuring the elderly’s balance of income and expenditure,strengthening the elderly’s reasonable consumption ability,promoting the elderly’s investment and financial management ability,managing the elderly’s asset construction and creating a healthy and safe consumption environment for the elderly.Through the above methods,social workers can help the elderly to improve their ability of personal finance and risk prevention,combine their internal and external systems,and improve the overall consumption power of the elderly group.