摘要: 新冠肺炎疫情的爆发使得全球的各个行业受到了极大的冲击，纷纷受到限制，在此背景下，我国家庭的经济模式也发生了巨大的变化，家庭在疫情前后的理财方式以及消费方式与之前相比已经大有不同。文章通过研究疫情前后的理财变动以及消费变动，对其变动的影响因素进行分析，并且根据分析结果向人们提出合理的疫情后理财消费的方式。通过调查发现，疫情后人们对于商业保险的购买增加，同时在投资方面，大多倾向于稳健的投资以及线上投资。在消费方面，线上购物额度的增加，文教娱乐运动健康以及基础开支等方面的消费额度增加。对互联网金融机构来说，应完善线上投资，对疫情解封后的人们来说，应理性消费，减少冲动消费与报复性消费。

Abstract: An outbreak of COVID-19 has affected all industries around the world. The world’s various industries are restricted in many ways. Great changes have taken place in the family economic model of our country. Family financial management and consumption changed before and after the epidemic. This paper analyzes the data before and after the epidemic to explain the causes of change and influence. At the same time, the solution is put forward according to the result. Through investigation, it was found that, people are more likely to buy insurance after an epidemic; at the same time, they prefer stable investments and online investments. People are spending more online; in the meantime, learning, recreation and basic expenses increased. Online investment should be perfected for Internet organizations. It is advisable for people to consume rationally, reduce impulse spending and retaliatory spending.