Jin Huang

• PhD
• William and Helen Reichmann Research Professor at Saint Louis University

This study distinguishes clinically and theoretically meaningful subgroups of people experiencing homelessness based on their endorsement of personality difficulties, using nationally representative data of the civilian, noninstitutionalized population of the United States, inclusive of those reporting past-year homelessness (N = 704). A bias-adjus...

Financial access is used in practice and research as an important concept relevant to financial capability and financial well‐being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171...

Financial incentives and support have positive impacts on child development and health. The brief uses data collected from a randomized experiment to examine parents' views of child development accounts (CDAs), a universal asset‐building policy to deliver financial subsidies for adolescent development, education, health and other developmental outc...

Individuals who live with mental illness are encumbered by related risk factors that increase the probability of legal involvement. The goal was to determine how homelessness and substance use disorder are intervening factors in the relationship between symptoms of serious mental illness (SMI) and criminal offending. A sample of 210 chronically hom...

Although personality disorders (PDs) are more common among persons experiencing homelessness than the general population, few studies have investigated the risk of experiencing homelessness among persons with PDs. This study seeks to identify the demographic, socioeconomic, and behavioral health correlates of past-year homelessness among persons wi...

Financial well-being is a key component of quality of life and overall well-being and is likely to affect other aspects of quality of life, such as health and health care. The COVID-19 pandemic presents an immense crisis of financial well-being among low-income entrepreneurs and has left many small-scale entrepreneurs financially fragile. We argue...

Child injury is a significant global health issue that contributes to both morbidity and mortality in children. Children with developmental disabilities are at a high risk for injuries due to a combination of environmental barriers and health conditions. However, little research has assessed the prevalence of injuries among this population in China...

Background As one of the fastest growing community-based financial capability approaches, village savings and loan group (VSLG) is an organized group and formal entity that creates opportunities for participants to save and access financial assets. VSLG has potentially positive impacts on increasing women’s financial resources and social support an...

Purpose This study aims to examine the literature on consumer financial capability. By analyzing the research trends, theories, definitions and themes, the literature on financial capability is synthesized, and agenda for future research is suggested. A framework is presented that portrays the antecedents as well as the outcomes of financial capabi...

Effective finance is a finance system that assures individuals and families of having beneficial access to financial services and skills. It is a precondition for financial well‐being. Drawing upon a low‐income sample (N = 1,473) from the 2016 National Financial Well‐Being Survey, this study examines whether financial skills and financial access ar...

Using qualitative data collected from 13 individuals in the federally‐funded employment training program for low‐income older adults in Los Angeles, California, the study examines financial capability among low‐income older Asian immigrants, with special attention to the roles of financial access. Based on the conceptual framework of financial capa...

As age-friendly community (AFC) initiatives grow, it will be essential to determine whether older adults who live in an AFC have better health than those who live in other environments. This study uses data from the 2017 AARP AFC Surveys and the AARP Livability Index to assess whether AFCs promote the health of older adults. We analyze data for 302...

This chapter on the Grand Challenge to Build Financial Capability and Assets For All conceptualizes and applies a theoretical framework of financial capability for improving financial well-being to social work education, policy, research, and practice. Tackling this challenge is a structural and strategic response by social work to a historical leg...

This edition of the Grand Challenges for Social Work and Society builds on the successful first edition (2017) by updating original reviews of the field, presenting new accomplishments, and offering a blueprint for the next 5 years of the grand challenges. January 2021 marked the midpoint for what has been identified as a 10-year effort. Each of th...

In the financial capability policy known as Child Development Accounts (CDAs), investment accounts with incentives enable families to accumulate assets for children’s development and to achieve life-cycle goals. With data from SEED for Oklahoma Kids (SEED OK), a randomized statewide policy experiment, we examine the effects of a CDA intervention on...

The purpose of this study was to test the self-medication hypothesis of drug use in a sample of homeless persons. A serial mediation model was tested to examine the effects of recent victimization on trauma-related symptom severity, and the effects of trauma-related symptom severity on severity of severe mental illness (SMI) symptoms, and finally t...

This study investigates the components and mechanisms of the financial capability framework using national representative data from the 2015 National Financial Capability Study with the structural equation modeling approach. We find financial socialization and financial education are significantly associated with both financial access and financial...

Increasing the fully banked population is related to the availability of affordable bank accounts. This study investigates the factors that are associated with bank response to voluntary national bank account standards for an affordable transaction account. We also examine the degree to which account information is available from bank websites. Acc...

Extreme wealth inequality imposes significant constraints on financially vulnerable families, especially on the development of children in those families. Child Development Accounts (CDAs)—investment accounts offering financial access, subsidies, and incentives to provide assets for children—are designed to reduce wealth inequality over time and pr...

Previous research has found positive correlations of family assets with children’s cognitive and non-cognitive development in separate studies. The association between family assets and children’s cognitive development is mediated by parental expectations and engagement in education. Using a sample (N = 3,435) from a nationally representative house...

Little is known on the financial well-being of families raising children with autism spectrum disorders (ASD). Family financial well-being has important impacts on the development of children with ASD. The study uses a 2019 survey collected from Chinese families raising a child with ASD (N = 3064) to examine their financial well-being and its assoc...

在回顾青年经济领域文献的基础上，本文采用金融福祉这一新兴理论框架，结合《中长期青年发展规划（2016—2025 年）》，论证了金融福祉对现有青年发展十大领域有多重的积极影响。结合规划的有关内容及现有提升青年金融福祉的实践探索，就通过提升青年内在金融素养和提供外在金融机会两个策略提升青年金融福祉、促进青年更好地发展提出了建议。 We use financial well-being framework to analysis the youth development policy "long-term youth development plan (2016-2025 years)" based on the review of literature on youth of economi...

Financial resources are known to affect health outcomes. Many types of social policies and programs, including social assistance and social insurance, have been implemented around the world to increase financial resources. We refer to these as cash transfers. In this article, we discuss theory and evidence on whether, how, for whom, and to what ext...

Research on social work practice is essential for developing an indigenized base of knowledge. In China, while social work education has grown rapidly, much of what is taught—and many social work priorities in research and practice—is influenced by rapidly changing national government policies. This policy environment creates both opportunities and...

Background Although welfare programs in China provide a safety net for low-income people by directly lifting their incomes, receiving benefits has the potential to affect recipients’ mental health because of the demanding and demeaning means-testing application process required by Chinese policymakers. However, little research has examined the rela...

Individual life success depends critically on one’s development and mastery of self-control during childhood, and thus, it is important to understand the sources and development of children’s self-control. We create a sample of children aged 10–15 (N = 2,182) using data from a nationally representative survey in China and examine the relationship b...

The objective of this study was to identify the relationship of emotional reactivity with depression and anxiety symptoms among adults diagnosed with a serious mental illness (SMI) and to explore gender differences in these relationships. Cross-sectional data were collected from intensive case management services recipients (N = 150). Hierarchical...

Using secondary data from the 2017 online survey of 736 non-profit social service employees in urban China, this study provides a complete description of the financial well-being of the non-profit social service workforce and examines correlates of financial well-being. Results show that non-profit employees’ household income is lower than the disp...

This cross-sectional study examines the relationships of loneliness and depressive symptoms to thoughts of self-harm among a clinical sample (n = 150) of older adults (M = 58.42 years, SD = 5.86 years; male, 55.3%; African American, 61.3%) with serious mental illness (SMI) receiving publicly funded, community-based psychiatric rehabilitation servic...

Financial resources are known to affect health outcomes. Many types of social policies and programs, including social assistance and social insurance, have been implemented around the world to increase financial resources. As an overall term, we refer to these as cash transfers. In this article, we discuss whether, how, for whom, and to what extent...

In semi-structured in-depth interviews in one mid-western city with a high percentage of financially excluded consumers, 22 staff members from 15 banks describe their employer bank’s efforts to serve low- and moderate-income consumers. Six themes were found: (1) Banks are aware of the problem of financial exclusion; (2) Financial education poses ch...

Background Due to a more stringent disability definition used for eligibility redetermination at age 18, individuals with disabilities may lose eligibility for the Supplement and Nutrition Assistance Program (SNAP). Objective This study examines how the transition to adulthood may affect the association between food security and self-rated health...

：金融社会工作是美国社会工作的一个新兴实践领域。在这里，“金融”是一个宽泛的概 念，指服务对象的一切与钱、经济和金融资源有关的事务，包括服务对象的收入、财富 与资产、消费、信用、债务和金融风险等。金融社会工作采用改善服务对象金融能力的 基本工作方法，来达到实现金融福祉的核心目标。美国金融社会工作建立在金融能力 与资产建设的理论框架之上，它解释了普惠金融、金融知识与技能、金融能力和金融福 祉之间的关系。这一理论框架可以确定不同的金融社会工作服务内容。在中国，可以通 过开创和完善课程课纲体系、开拓服务新场域、梳理和评估服务成效、增强与金融机构 和金融市场合作以及加强研究和探索来构建一个广泛的金融社会工作发展网络。 Financial social work is a new practice...

In this article, we offer a perspective on the re-emergence of social work in China from the viewpoint of a longstanding and very productive partnership between Chinese and U.S. social work educators and researchers. We begin with a brief historical context, followed by a description of partnership development among Peking University, Hong Kong Pol...

This article presents findings from a national online survey of social work faculty (N = 1,039) that examines financial and economic content in the current curriculum, gaps in coverage, and strategies for improving social workers’ academic preparation to work with populations living in extremely financially vulnerable circumstances. We sent the sur...

The ownership of assets is a more important component for escaping generational poverty than even income. Assets have the power to send children to college, purchase a home, start a small business, and provide insulation from minor emergencies that can devastate financially vulnerable families. However, most current welfare programs discourage savi...

Previous research found positive correlations among asset accumulation for children, parental educational expectations, and students’ educational achievement. However, more research is needed to validate the mediation effects of asset accumulation on children’s educational achievement through parental expectations. We create a sample of children (N...

Social work and the other applied social science professions aim to marshal evidence to inform beneficial social change. Notwithstanding positive intentions, effective application of research to policy and practice is not always robust in achieving impacts. To do better, we should purposefully connect research to action, including engagement with p...

The relationship between post-traumatic stress disorder (PTSD) and major depressive disorder (MDD) is the subject of ongoing inquiry. Homeless adults with psychiatric illnesses are at risk for comorbid PTSD and MDD. However, the factor structures of commonly used screening tools for PTSD (PCL-5) and MDD (PHQ-9), and their interrelationships, have n...

Approximately 65 million children in mainland China are left behind in rural areas while their parents work in the cities. Research has highlighted their health needs. However, current research on interventions for this population is unknown. The purpose of this study was to systematically review existing health service interventions for left-behin...

Devolution of the American welfare state over the last 40 years means that states have more control to set eligibility criteria in public assistance programs. One such criterion, limits on participant assets, is designed to improve program efficiency by allocating scarce public resources only to the truly needy, but it presents a unique set of barr...

The development of expectations to attend college is the first step toward future college attendance, yet its predictors are not fully understood. The current study seeks to identify individual and parent predictors of expectations for college completion among eighth grade students and examine interrelationships between the independent variables. D...

青年遭遇创业骗局、大学女生遭遇"裸条"贷款、学生校园贷危害等现象引起社会关注。通过对四个典型案例的分析,基于金融能力框架对这一现象给予理论解释。研究发现:在社会金融化的大背景下,青年人自身以及家庭、社会的金融素养都不足,在缺乏正规金融服务机会的同时,非正规金融服务迅猛发展,从而导致青年遭受金融风险,进而危害其健康成长。建议开展不同层次金融社会工作干预,包括出台金融能力与资产建设导向的社会政策,开展全民金融知识和能力的训练,对陷入金融风险的青年提供法律咨询和其他救助等。 The following phenomena have attracted social concern: the youth encounter entrepreneurial scam，the female colle...

Background: Pre-ACA, less than 6% of children with disabilities were uninsured, compared with more than 42% of young adults with disabilities ages 19-25. Individuals with disabilities face greater barriers to health care access upon transition into adulthood. Objectives: We examined whether the ACA dependent coverage provision and Medicaid expan...

This article examines financial capability among low-income older Asian immigrants, using data from in-depth interviews with 13 participants in a subsidized employment program in Los Angeles. Overall, respondents present a portrait of economic insecurity. Qualitative analyses indicate that respondents perceived little need to improve their financia...

Introduction This study examines how the transition to adulthood may affect food security for individuals with disabilities and estimates the effects of SNAP participation on their food security during the transition. Methods The study uses a repeated cross‐sectional design with five years of data (2011–2015) from the National Health Interview Sur...

Child Development Accounts (CDAs) are subsidised savings or investment accounts that enable families to accumulate assets to invest in children’s long-term development. Ideally, CDAs are universal (everyone participates), progressive (greater subsidies for the poor) and lifelong (beginning at birth). This introduction provides a theoretical and pol...

This study examines the impact of Child Development Accounts (CDAs) on parenting practices of mothers with young children in a statewide randomised experiment conducted in the United States. The experiment included 2704 primary caregivers of children born in Oklahoma during 2007: 1358 were randomly assigned to the treatment group and 1346 to the co...

Financial inclusion, the goal of financial access, broadly refers to the ability of all people in a society to access and be empowered to use safe, affordable, relevant, and convenient financial products and services for achieving their goals. Financial inclusion promotes household and societal financial well-being and requires access to an array o...

In the financial capability intervention known as Child Development Accounts (CDAs), incentives with savings or investment accounts enable families (especially vulnerable ones) to accumulate assets for children’s developmental and life‐cycle needs. With data from SEED for Oklahoma Kids, a randomized statewide policy experiment, we examined a CDA in...

Child Development Accounts (CDAs) are subsidized savings or investment accounts to help people accumulate assets for developmental purposes and life course needs. They are envisioned as universal (everyone participates), progressive (greater subsidies for the poor), and potentially lifelong national policy. These features distinguish CDAs from most...

Objectives: Personality Disorders (PDs) are associated with a multitude of negative consequences. The negative PD effects on health can be even more burdensome for older adults given the physical and social functioning changes that occur with age; however, the majority of research examining the influence of PDs focuses on younger adults. The presen...

Objective Child Development Accounts (CDAs) are universal and progressive savings accounts that facilitate saving for long‐term developmental goals, including postsecondary education. We examine whether parents’ educational expectations for their children motivate them to increase saving for children's education and whether parents’ expectations me...

The literature suggests that asset building for children not only encourages families to financially prepare for children's long-term development, but also affects non-financial outcomes of parents' and children's attitude and behaviors (e.g., parental educational expectations, children's educational achievement). The study used the data (N = 3663)...

The study examined academic disparity between migrant and local urban children and its associations with family socioeconomic status, parental involvement, and school settings using the survey data conducted in 2014 from a sample of children and their families in Beijing, China. The analytic sample (N = 687) included 431 migrant children and 256 lo...

Nearly half of all American households are financially insecure, without adequate savings to meet basic living expenses for three months. We can significantly reduce economic hardship and the debilitating effects of poverty by adopting social policies that bolster lifelong income generation and safe retirement accounts; expand workforce training an...

While rural residents still comprise nearly 60 percent of the total population in China, little is known about the evolution of rural welfare. This article explores welfare services in rural China using a broad definition of social welfare: efforts by the entire country and society to promote personal or societal well-being. Diverse approaches have...

Introduction: Understanding the financial capability (i.e., knowledge and access to financial services) of older Asian immigrants in the U.S. is low. This study aims to identify facilitators and barriers of financial capability in older Asian immigrants over their lifetimes, an understudied area of research. Method: We conducted semi-structured in-...

This study compared urban/rural trends in cigarette smoking rates among older male adults in China. Data were derived from the China Health and Nutrition Survey ( N = 5,147). Logistic models were computed to assess the occurrence of cigarette smoking between 1991 and 2011 across urban/rural administrative districts. Cigarette smoking rates remained...

Parents' expectations for their children's education, and efforts to foster suitably positive expectations, are worthy of policy attention. Previous research indicates that early saving for a child's postsecondary education can foster and sustain high parental expectations, yet little is known about the operative mechanisms. This study presents ana...

Background: Little information exists on whether gender or asthma status modifies the effects of secondhand smoke (SHS) exposure on lung function. Objective: To evaluate whether gender or asthma status modifies the association of SHS exposure with lung function. Methods: A total of 6,740 children (average 11.6 years) were recruited from 24 dis...

Research has established a negative association between single motherhood and child social-emotional development. This study examines whether Child Development Accounts, an economic intervention that encourages families to accumulate assets for children’s long-term development, buffer the association between single motherhood and child well-being a...

Summer is a vulnerable time for 1 in 3 African American children who live in food insecure households. We examined the factors that affect food insecurity among African American households with children during the summer by rural and urban setting. We conducted concept mapping with 38 African American caregivers from rural and urban Missouri. Urban...

This article examines the financial effects of Child Development Accounts (CDAs) designed to build assets for every newborn. Data come from a randomized experiment with probability sampling from a full state population 7 years after the intervention began. As expected, the CDA has a large effect on asset accumulation for college, primarily because...

The authors regret the misspelling of co-author ‘Kahee A. Mohammed’. The authors would like to apologise for any inconvenience caused.

Emerging studies have suggested a possible link between food hardship and depression; however, empirical knowledge is limited. In South Korea, more public discussion has been conducted regarding the prevalence and consequences of food insecurity on mental health. To begin to address the knowledge gap, we applied family stress theory and investigate...

This exploratory study examined ethnic differences in financial outcomes among low-income older Asian immigrants from a financial capability perspective. We used survey data collected from a convenience sample of Chinese, Korean, and “Other Asian” ethnic participants in a subsidized employment program (n = 159). We ran logit regressions of dichotom...

The National School Lunch Program (NSLP) is one of the most important food assistance programs in the United States to ensure children's food security and healthy development. Previous studies have offered mixed results and challenges in estimating the effects of program participation. This study assesses NSLP's effect on household food security us...

Body mass index (BMI) and waist circumference (WC) are two common ways to measure obesity. There is a debate, however, about which of these two measures are more closely associated with elevated blood pressure (BP). The aim of this study is to investigate the prevalence of obesity and whether BMI and WC is better associated with elevated BP in chil...

This study draws on the theoretical framework of financial capability in investigating whether financial access (that is, availability of financial products and services) and financial knowledge (that is, understanding of basic financial concepts) can influence the risk of material hardship. Authors examine the possibility of direct associations as...

Background: Research has established a negative association between household material hardship and children's mental health. This study examines whether Child Development Accounts (CDAs), an economic intervention that encourages families to accumulate assets for children's long-term development, mitigate the association between material hardship...

The aim of this study was to examine the longitudinal association between externalizing and internalizing behavior and children's academic achievement, particularly in terms of whether these variables varied as a function of gender and race. Data pertaining to externalizing and internalizing behavior, academic achievement, gender, and race from thr...

We examine effects of Child Development Accounts on savings for postsecondary education in a statewide experiment (N = 2,677), which automatically opened state-owned college savings accounts for treatment-group children, and encouraged their caregivers to open and save in participant-owned college savings accounts. The experiment achieves universal...

To investigate the risk of hyperuricemia in relation to Perfluoroalkyl substances (PFASs) in children from Taiwan, 225 Taiwanese children aged 12–15 years were recruited from 2009 to 2010. Linear and logistic regression models were employed to examine the influence of PFASs on serum uric acid levels. Findings revealed that eight of ten PFASs analys...

Beginning in 2010 the Affordable Care Act (ACA) allowed young adults (ages 19-25) to remain on their parents' private health insurance plans, even if they were not full-time students. This study investigated the impact of the ACA on health insurance coverage for young adults with disabilities, comparing their experience with that of young adults wi...

Epidemiological studies have reported inconsistent and inconclusive associations between long-term exposure to ambient air pollution and lung function in children from Europe and America, where air pollution levels were typically low. The aim of the present study is to examine the relationship between air pollutants and lung function in children se...

Food insecurity and hunger during childhood are associated with an array of developmental problems in multiple domains, including impulse control problems and violence. Unfortunately, extant research is based primarily on small convenience samples and an epidemiological assessment of the hunger-violence link is lacking. The current study employed d...

Objectives This study compared urban/rural differences in smoking initiation during the transition from adolescence to young adulthood among Chinese males. Methods Data were derived from the China Health and Nutrition Survey (N = 2395). Logistic and cox models were computed to assess smoking initiation between the ages of 15 and 20 across urban/rur...

Does more money always mean that people are happier with their lives? To test the social comparison hypothesis as applied to happiness, this study uses survey data from the 2002 Chinese Household Income Project to examine the association between household economic resources and happiness in urban China. Household economic resources are measured as...

This study examines the association between financial access, unemployment, and household food insecurity during the economic recession (N = 14,417). The unbanked lack financial access to smooth their consumption during times of financial stress. The dependent variable is food insecurity, the independent variable is banked status, and unemployment...

Assessing the impact of the National School Lunch Program (NSLP) on household food insufficiency is critical to improve the implementation of public food assistance and to improve the nutrition intake of low-income children and their families. To examine the association of receiving free/reduced-price lunch from the NSLP with household food insuffi...

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We examined the long-term effects of Individual Development Accounts (IDAs), savings accounts that match funds deposited by participants for qualified purposes, on homeownership rates among study participants with disabilities in a randomized experiment. Results from a 10-year follow-up of the IDAs indicate that rates of homeownership were nearly 1...

Objective: This article summarizes the design, implementation, and early findings of a statewide randomized experiment of Child Development Accounts (CDAs). The SEED for Oklahoma Kids experiment (SEED OK) is testing a concept for a universal, progressive asset-building policy with potential for national application. CDAs can start as early as birth...

In 2012, 20% of households in the United States with children lacked consistent access to adequate food. Food insufficiency has significant implications for children, including poor physical and mental health outcomes, behavior problems, and low educational achievements. The National School Lunch Program (NSLP) is one policy solution to reduce food...

This study investigated whether the nurturing hypothesis - that breastfeeding serves as a proxy for family socio-economic characteristics and parenting behaviours - accounts for the association of breastfeeding with children's academic abilities. Data used were from the Child Development Supplement of the Panel Study of Income Dynamics, which follo...

A growing number of studies have examined the “immigrant paradox” with respect to health behaviors in the United States. However, little research attention has been afforded to the study of adverse childhood experiences (ACE; neglect, physical and sexual abuse, and witnessing violence) among immigrants in the United States. The present study, using...