<p>Improving family financial resilience is not only the core path to achieve healthy financial development, but also an inherent requirement for promoting high-quality financial development. Based on the perspective of the whole process of impact response, this study creatively constructs the measurement framework of family financial resilience from the three dimensions of “family members’ planning ability, family assets protection ability, and family welfare resilience”. Using the data of China Household Finance Survey (CHFS) in 2015, 2017, and 2019, this study uses the entropy method to measure family financial resilience, introduces the finite mixture model with accompanying variables to identify the resilience pattern and its dynamic transformation, and explores the deep mechanism of pattern transformation based on the joint distance covariance test and high-dimensional mediation effect model. The study found that: (1) the evolution of chronological sequence shows the characteristics of gradient improvement, and the resilience of the eastern region is significantly higher than that of the central and western regions; (2) the stage transition characteristics of family financial resilience can be divided into three categories: dependent, transitional and autonomous, and there is a phenomenon of mutual conversion between the three categories; (3) the mechanism test shows that the mechanism of government support has experienced the transformation from “direct support” to “path activation” and then to “market driven”, and the intermediary path of economic foundation, financial development and digital economy is the core driving force of this mode transformation. The evaluation framework constructed in this study provides a new paradigm for the study of family financial resilience and provides a scientific basis for the formulation of differentiated policies and the optimization of resource allocation.</p>