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Conceptualizing the multiple dimensions of consuer financial vulnerability

机译：概念化消费者金融脆弱性的多个维度

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Though the majority of Americans report they are financially stable, they do not have sufficient savings to handle an unplanned emergency. There appears to be a disconnect between an individual's perception of their financial situation and their actual financial state. Nevertheless, only scant research focuses on financial vulnerability from both a subjective and objective perspective, and a clear and consistent definition of this construct is missing in the literature. To fill this gap, this review draws across disciplines to consolidate extant knowledge on financial vulnerability. First, we propose a novel definition of financial vulnerability that includes both its subjective and objective dimensions. Next, we create a framework to assess a consumer's financial vulnerability. We then identify interventions for varying degrees of financial vulnerability that are tailored to the individual's fiscal situation. Finally, we present a research agenda to guide future research on financial vulnerability.
机译：尽管大多数美国人表示他们的财务状况稳定，但是他们没有足够的储蓄来应对计划外的紧急情况。个人对财务状况的看法与实际财务状况之间似乎存在脱节。然而，只有很少的研究从主观和客观角度都关注财务脆弱性，文献中也缺少对这种结构的清晰一致的定义。为了填补这一空白，本次审查跨学科进行，以巩固有关财务脆弱性的现有知识。首先，我们提出了一种新的金融脆弱性定义，包括其主观和客观方面。接下来，我们创建一个框架来评估消费者的财务脆弱性。然后，我们针对个人的财务状况，针对不同程度的财务脆弱性确定干预措施。最后，我们提出了一项研究议程，以指导有关财务脆弱性的未来研究。

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