This paper contributes to an increasingly critical assessment of a policy framing of ‘financial resilience’ that focuses on individual responsibility and financial capability. Using a participatory research and design process, we construct a ground-up understanding of financial resilience that acknowledges not only an individual’s actions, but the contextual environment in which they are situated, and how those relate to one another. We inductively identify four inter-connected dimensions of relational financial resilience: infrastructure (housing, health, and childcare), financial and economic factors (income, expenses, and financial services and strategies), social factors (motivation and community and family), and the institutional environment (policy and local community groups, support and advice services). Consequently, we recommend that social policies conceptualise financial resilience in relational terms, as a cross-cutting policy priority, rather than being solely a facet of individual financial capability.

中文翻译：

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超越个人责任——通过参与性研究和设计对财务弹性有一个相关的理解

本文有助于对“财务弹性”，重点关注个人责任和财务能力。通过参与式研究和设计过程，我们构建了对财务弹性的全面理解，不仅承认个人的行为，还承认他们所处的背景环境，以及这些行为之间的相互关系。我们归纳确定关系财务弹性的四个相互关联的维度：基础设施（住房、健康和儿童保育），金融和经济因素（收入、支出以及金融服务和策略），社会因素rs（动机、社区和家庭），以及制度环境t（政策和当地社区团体、支持和咨询服务）。因此，我们建议社会政策将财务弹性概念化为跨领域政策优先事项，而不仅仅是个人财务能力的一个方面。