Using a representative sample of 400 Slovaks, the present study investigated the mediating role of subjective perception of financial threat to the relation between psychological resources and behavioural responses in the adaptation to financial stress posed by the COVID-19 pandemic. The results of structural equation modelling analyses showed that greater neuroticism and uncertainty intolerance were positively related to aggravated perception of financial threat. This, in turn, led to greater willingness to change consumption patterns and use of mostly problem-focused coping strategies. The model remained robust after controlling for chronic financial hardship moderators, including the absence of savings and indebtedness. In contrast, the acute financial hardship caused by the deterioration of one's financial situation during the COVID-19 pandemic showed to significantly moderate the relation between one's psychological resources and perceived financial threat.

本研究使用 400 名斯洛伐克人的代表性样本，调查了在适应 COVID-19 大流行造成的财务压力时，财务威胁的主观感知对心理资源和行为反应之间关系的中介作用。结构方程模型分析的结果表明，更大的神经质和不确定性不容忍与金融威胁的加重感知呈正相关。反过来，这导致更愿意改变消费模式和使用主要以问题为中心的应对策略。在控制了长期财务困难调节因素（包括没有储蓄和负债）后，该模型仍然稳健。相比之下，一个人的恶化造成的严重经济困难'