This book systematically studies and discusses pertinent issues related to household finance in China. This book not only elucidates the concept and connotation of household finance, but also extensively examines the significance and necessity of enhancing household finance and upholding household financial well-being. Drawing upon theories from economics, psychology, sociology, and behavioral finance, it conducts a quantitative analysis of family finance and its influencing factors by constructing models such as Probit model, Tobit model, and APC model to empirically test the underlying mediation mechanism. In addition, from the perspective of inclusive finance development and safeguarding the rights and interests of financial consumers, this book expounds on its profound impact on household finance.

This book is a valuable reference for researchers in related fields, and it also provides some insights into residents’ and families’ awareness of financial health. Furthermore, itaids in formulating and improving consumption policies, adjusting economic structures, and preventing household financial risks. This research provides valuable guidance for enhancing family welfare and increasing property income for Chinese residents.