[雙語(yǔ)翻譯]財(cái)務(wù)外文翻譯--個(gè)人財(cái)務(wù)問(wèn)題--社會(huì)工作干預(yù)的機(jī)會(huì)？（英文）

1、This article was downloaded by: [Umeå University Library] On: 18 November 2014, At: 08:31 Publisher: Routledge Informa Ltd Registered in England and Wales Registered Number: 1072954 Registered office: Mortimer House

2、, 37-41 Mortimer Street, London W1T 3JH, UKJournal of Social Service ResearchPublication details, including instructions for authors and subscription information: http://www.tandfonline.com/loi/wssr20Personal Financial P

3、roblems: Opportunities for Social Work Interventions?Mathieu R. Despard a , Gina A. N. Chowa a Financial Literacy and Education Commission, 2006; Harris Inter- active, 2009; Lusardi, 2008; U.S. GovernmentAccounting Offi

4、ce, 2004), low levels of short- term, liquid savings (Caner The causes and current state of the financial crisis, 2010; Grunstein Bocian, Li, Karger, 2007). Social workers can play an important role in addressing clien

5、ts’ financial problems. Prior studies in this field have examined how social work students perceive the relevance of finan- cial literacy to social work practice (Kindle, 2010) and the results of teaching social work stu

6、dents about personal financial management (Sherraden et al., 2007). Also, Loke (2011) surveyed asset development service providers’ personal financial knowledge, behaviors, and preparedness to offer services. However, we

7、 are not aware of any studies that focus on what social workers do in practice to understand and respond to their clients’ financial problems. This study sought to answer two related questions. First, how do social worke

8、rs make sense of the financial problems their clients present? Are these problems seen as being caused by poor choices, social and environmental factors, or both? Second, what intervention methods do social workers use t

9、o help clients address their financial problems? Do social workers try to help clients make better financial decisions with their existing resources, help clients obtain more resources, or a mix of these approaches? To a

10、nswer these questions, we described and discussed the results of a sur- vey of social workers and other human service professionals who completed or showed interest in an online financial social work certification progra