我国金融社会工作发展探讨及反思
Discussion and Reflection on the Development of Financial Social Work in China

随着移动支付和电子货币的快速发展，金融早已融入智能手机及电子设备，也融入大众的生活之中，因此各类市场主体对金融服务的需求也在日益增长，新时代下的金融服务如何满足人民群众，已成为人们热议的话题。在我国金融体系高速运转的形势下，金融社会工作悄然而生。作为社会工作的新兴实务领域，金融社会工作将金融能力和社会工作理论、方法相结合，帮助案主提升自我的金融知识和金融能力，进而实现金融福祉。在时代的发展过程中，我国金融社会工作仍存有一些问题和不足。如摸着石头过河，政策支持不足，金融理论课程未普及，服务队伍人才稀缺，以及服务他者意识不高。但是经过社会各界专业学者多年的探索研究，金融社会工作实务领域也形成了解决其在发展过程中所面临的困难的解决路径。如推进国家治理体系、有利于推动乡村振兴、有利于建成金融社会工作教育体系。以上表明，无论是从个人的金融福祉的提升还是解决其发展路径而言，在本国发展金融社会工作具有实质性的意义和价值。
With the rapid development of mobile payment and electronic money, finance has already been integrated into smart phones and electronic devices, as well as into the lives of the public. There-fore, the demand for financial services of various market subjects is also growing. How to meet the people’s needs of financial services in the new era has become a hot topic. With the rapid operation of China’s financial system, financial social work has emerged quietly. As an emerging practical field of social work, financial social work combines financial ability with social work theories and methods to help the case owners improve their financial knowledge and financial ability, so as to realize financial well-being. In the development of the times, there are still some problems and deficiencies in China’s financial social work. Such as crossing the river by feeling the stone, insufficient policy support, the lack of popularization of financial theory courses, the scarcity of talents in the service team, and the low awareness of serving others. However, after years of exploration and research by professional scholars from all walks of life, the practical field of financial social work has also formed a solution path to solve the difficulties it faces in the process of development. For example, promoting the national governance system is conducive to promoting rural revitalization and building a financial and social work education system. The above shows that the development of financial and social work in China is of substantive significance and value, whether from the perspective of improving personal financial well-being or solving their development path.