基于文献综述的家庭金融脆弱性测度方法研究

家庭是经济社会的基本组成单位，随着我国经济迅速发展，家庭金融的脆弱性正在成为影响金融和社会稳定性的一大风险源。了解家庭的金融脆弱性和抗风险能力，有助于为宏观政策和微观决策提供参考，促进社会可持续发展。为了更好地梳理有关家庭金融脆弱性的研究，本研究采用文献分析法，通过将宏观层面的金融脆弱性延伸到家庭层面，明晰了家庭金融脆弱性的概念与特点，并详细介绍了6类测度家庭金融脆弱性的主要方法。在此基础上，本研究对家庭金融脆弱性的不同测度方法进行比较分析，总结归纳了在实际应用中各方法的优缺点，提出了在数据、方法和理论方面进一步优化现有测度方法的展望，为家庭金融脆弱性的相关研究提供了一定的理论参考。

The Study of Household Financial Vulnerability Measurement Methods Based on Literature Review

This study employs a literature analysis approach to systematically review research on household financial vulnerability, thereby elucidating the concept and characteristics of household financial vulnerability by extending it from the macro-level to the household level. Moreover, it provides a comprehensive overview of six main methods for measuring household financial vulnerability. Building upon this foundation, a comparative analysis is conducted to evaluate various measurement methods in terms of their practical applications, highlighting their respective advantages and disadvantages. Furthermore, prospects for further optimization of existing measurement methods are proposed with regard to data collection, methodology refinement, and theoretical advancements. This research serves as a valuable theoretical reference for future studies on household financial vulnerability.