Rationalization Dilemmas and Guidance Paths of Residents' Household Financial Management Behavior in the Digital Finance Era

Zhanchang Wang

doi:10.47297/wspdecWSP2515-797316.20250912

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Rationalization Dilemmas and Guidance Paths of Residents' Household Financial Management Behavior in the Digital Finance Era

9卷第12期

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Rationalization Dilemmas and Guidance Paths of Residents' Household Financial Management Behavior in the Digital Finance Era
Rationalization Dilemmas and Guidance Paths of Residents' Household Financial Management Behavior in the Digital Finance Era
Guangdong University of Foreign Studies, Guangzhou, Guangdong, 510006, China
2025年9卷第12期页码：76-79
纸质出版：2025-12-30
DOI：10.47297/wspdecWSP2515-797316.20250912
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Zhanchang Wang. (2025). Rationalization Dilemmas and Guidance Paths of Residents' Household Financial Management Behavior in the Digital Finance Era. 发展经济学, 9(12), 76-79.

Wang Zhanchang.Rationalization Dilemmas and Guidance Paths of Residents' Household Financial Management Behavior in the Digital Finance Era[J].Development Economics of China,2025,09(12):76-79.
Zhanchang Wang. (2025). Rationalization Dilemmas and Guidance Paths of Residents' Household Financial Management Behavior in the Digital Finance Era. 发展经济学, 9(12), 76-79. DOI： 10.47297/wspdecWSP2515-797316.20250912.

Wang Zhanchang.Rationalization Dilemmas and Guidance Paths of Residents' Household Financial Management Behavior in the Digital Finance Era[J].Development Economics of China,2025,09(12):76-79. DOI： 10.47297/wspdecWSP2515-797316.20250912.

摘要

Abstract

The rapid development of digital finance has reshaped the ecological pattern of residents'household financial management.While improving the convenience and accessibility of financial management

it has also given rise to the problem of insufficient rationalization in household financial management.Based on a qualitative research perspective

this paper comprehensively uses case analysis

in-depth interviews and other methods to systematically analyze the practical forms and behavioral characteristics of residents'household financial management in the digital finance era.It identifies four core dilemmas:irrational biases in financial decision-making

the dual predicament of digital information overload and insufficient cognition

the lack of risk prevention and control systems

and passive decision-making induced by digital financial platforms.The study proposes a multi-dimensional guidance path of"individual empowerment-behavioral standardization-risk prevention and control-environmental optimization"

providing practical references for residents'households to achieve rational financial management and promote the high-quality development of the digital finance market.

关键词

Keywords

references

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