Jalili Roya, Gilani Neda, Najafi Behzad, Gordeev Vladimir Sergeevich, Doshmangir Leila
Department of Health Policy and Management, Tabriz Health Services Management Research Center, School of Management & Medical Informatics, Tabriz University of Medical Sciences, Tabriz, Iran.
Department of Statistics and Epidemiology, Faculty of Health, Tabriz University of Medical Sciences, Tabriz, Iran.
BMC Public Health. 2025 Sep 2;25(1):3021. doi: 10.1186/s12889-025-24467-5.
Financial resilience, the ability to withstand and recover from financial shocks, has become increasingly critical amid economic volatility, rising healthcare costs, and global crises such as the COVID-19 pandemic. While prior research has explored broad determinants of financial resilience.
Following the Arksey and O'Malley framework, this review systematically mapped literature from multiple databases (PubMed, Scopus, Web of Science, EconLit) and Google Scholar search engine from 1990 to 2024. Inclusion criteria focused on studies discussing financial, resilience components, strategies and outcomes in individuals or households. Data were extracted and analyzed thematically.
A comprehensive search strategy was developed to identify relevant studies across multiple databases, including PubMed, Scopus, Web of Science, EconLit.The review included 30 studies from 15 countries, highlighting four key components of financial resilience: economic resources, financial knowledge and behavior, social capital, and access to financial services. Common strategies to enhance resilience included income diversification, savings, borrowing, reducing expenditures, and leveraging social networks. Outcomes of financial resilience included reduced financial fragility, improved life satisfaction, and enhanced financial stability. High-income countries emphasized financial literacy and planning, while low- and middle-income countries relied more on informal coping mechanisms like borrowing and asset sales. Some coping strategies have been used in times of illness.
Financial resilience is a multidimensional construct influenced by economic resources, financial knowledge, social capital, and access to financial services. Policymakers should prioritize financial literacy, expand access to financial services, and strengthen social safety nets to promote financial resilience, particularly among vulnerable populations, such as low-income individuals and the sick. Future research should explore the intersectionality of financial resilience and the role of digital financial services in enhancing resilience. Policymakers and financial institutions should focus on promoting financial literacy, expanding access to financial services, and strengthening social safety nets to support individuals and households in building financial resilience.
财务韧性，即承受财务冲击并从中恢复的能力，在经济波动、医疗成本上升以及诸如新冠疫情等全球危机的背景下，变得愈发关键。尽管先前的研究已经探讨了财务韧性的广泛决定因素。
遵循阿克赛和奥马利框架，本综述系统地梳理了1990年至2024年来自多个数据库（PubMed、Scopus、科学网、EconLit）以及谷歌学术搜索引擎的文献。纳入标准聚焦于讨论个人或家庭财务韧性组成部分、策略及结果的研究。对数据进行了提取和主题分析。
制定了一项全面的检索策略，以识别多个数据库中的相关研究，包括PubMed、Scopus、科学网、EconLit。该综述纳入了来自15个国家的30项研究，突出了财务韧性的四个关键组成部分：经济资源、金融知识与行为、社会资本以及金融服务可得性。增强韧性的常见策略包括收入多元化、储蓄、借贷、减少开支以及利用社交网络。财务韧性的结果包括降低财务脆弱性、提高生活满意度以及增强金融稳定性。高收入国家强调金融知识普及和规划，而低收入和中等收入国家更多地依赖诸如借贷和资产出售等非正式应对机制。一些应对策略在患病期间也被采用。
财务韧性是一个多维概念，受到经济资源、金融知识、社会资本以及金融服务可得性的影响。政策制定者应优先考虑金融知识普及，扩大金融服务可得性，并加强社会安全网，以促进财务韧性，特别是在低收入个人和患病者等弱势群体中。未来的研究应探索财务韧性的交叉性以及数字金融服务在增强韧性方面的作用。政策制定者和金融机构应专注于促进金融知识普及，扩大金融服务可得性，并加强社会安全网，以支持个人和家庭建立财务韧性。
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