报告：2024年我国消费者金融健康水平有所提升 建议将金融健康纳入普惠金融政策体系

Core Viewpoint - The 2024 China Consumer Financial Health Report indicates an improvement in consumer financial health, with the proportion of individuals scoring above 60 increasing by 7.4 percentage points compared to 2023, despite macroeconomic challenges [1][2]. Group 1: Financial Health Index - The average financial health index rose from 55.4 in 2023 to 59.3 in 2024, with 45.6% of consumers scoring 60 or higher, marking a 7.4 percentage point increase from the previous year [2][3]. - Key dimensions showing improvement include financial resilience, future investment, and control, while daily management showed minimal improvement or slight deterioration [2]. Group 2: Savings Behavior and Financial Health - There is a strong positive correlation between good saving behavior and better financial health, with savers performing better than non-savers at similar asset levels [3]. - Keeping track of expenses significantly benefits financial health, as those who maintain records show better financial outcomes than those who do not, even at higher asset levels [3]. Group 3: Policy Recommendations - The report suggests incorporating financial health into the inclusive finance policy framework to monitor and achieve high-quality, sustainable development [4]. - It emphasizes the need for financial institutions to recognize the "win-win" effects of customer financial health and to continuously measure it for business optimization [4]. Group 4: Consumer Behavior and Economic Growth - Improved financial health is linked to increased discretionary spending, particularly on non-essential items, which can stimulate macroeconomic growth [5][6]. - The report highlights that younger generations and certain demographic groups with weaker financial health could release more discretionary spending as their financial health improves [6]. Group 5: Digital Financial Solutions - The advancement of digital technology and artificial intelligence can aid in achieving better financial health by helping consumers manage daily expenses and utilize credit resources effectively [7]. - Basic financial management tools, especially those that assist in saving and managing daily expenditures, are identified as primary needs for consumers facing economic pressure [7].