Building Financial Resilience: A Systematic Literature Review and Future Research Agenda
这篇综述整合了82篇同行评审文章，梳理了个人与家庭层面金融韧性的前因、决策与结果，识别出经济、社会和行为三类前因及八类决策，并指出研究空白与未来方向，适合研究金融脆弱性和韧性建设的学者与政策制定者参考。
ABSTRACT We present a comprehensive systematic literature review on financial resilience at the individual and household level by employing the integrated ADO (Antecedents, Decisions, Outcomes) and TCM (Theory, Context, Method) framework. Financial resilience has emerged as a critical concept in response to rising financial vulnerabilities and uncertainties at both the individual and household levels, as well as globally. Drawing upon 82 peer‐reviewed articles indexed in Scopus, we synthesize the theoretical foundations, methodological approaches, and contextual diversity within the literature. We identify three core antecedents of financial resilience, namely economic, social, and behavioral, which inform eight categories of financial decisions that lead to improved economic, social, and behavioral outcomes. Our analysis reveals a fragmented yet expanding body of financial resilience research, highlights key conceptual and empirical gaps, and proposes a future research agenda to address them. This review contributes to the growing literature by offering a structured framework to advance both academic inquiry and policy formulation aimed at building individual and household financial resilience.