Research on the Risk Generation Mechanism of College Students’ Consumer Finance on E-Commerce Platforms and the Intervention Path of Social Work

随着社会金融化与数字化进程加速，消费需求旺盛但经济社会化程度不足、消费观念尚不成熟的大学生群体，在享受电子商务平台消费金融便捷服务的同时，正日益暴露于复杂的风险之中。本研究聚焦于从技术驱动、市场运作、主体特征、制度环境、社会文化维度五个维度分析大学生在电子商务平台的消费金融风险生成机制。对于处于消费金融风险困境中的大学生，本文基于社会工作的生态系统理论视角，从微观、中观、宏观三个系统进行路径探索，以帮助大学生走出消费金融风险的困境、树立科学合理的消费理念与行为方式，从而推动电子商务平台消费环境的稳定与和谐发展。With the acceleration of social financialization and digitalization, college students, who have strong consumer demands but insufficient economic socialization and immature consumption concepts, are enjoying the convenient services of consumer finance on e-commerce platforms while increasingly exposing themselves to complex risks. This study focuses on analyzing the generation mechanism of consumer finance risks of college students on e-commerce platforms from five dimensions: technology-driven, market operation, subject characteristics, institutional environment, and social culture. For college students in the predicament of consumer finance risks, based on the perspective of the ecosystem theory of social work, this paper conducts path exploration from the micro, meso, and macro systems to help college students get out of the predicament of consumer finance risks, establish scientific and reasonable consumption concepts and behavioral patterns, and thereby promote the stable and harmonious development of the consumption environment of e-commerce platforms.