用大模型分析社交媒体，揭示金融需求的层级结构。

This study examines the hierarchical structure of financial needs as articulated in social media discourse, employing generative AI techniques to analyze large-scale textual data. While human needs encompass a broad spectrum from fundamental survival to psychological fulfillment financial needs are particularly critical, influencing both individual well-being and day-to-day decision-making. Our research advances the understanding of financial behavior by utilizing large language models (LLMs) to extract and analyze expressions of financial needs from social media posts. We hypothesize that financial needs are organized hierarchically, progressing from short-term essentials to long-term aspirations, consistent with theoretical frameworks established in the behavioral sciences. Through computational analysis, we demonstrate the feasibility of identifying these needs and validate the presence of a hierarchical structure within them. In addition to confirming this structure, our findings provide novel insights into the content and themes of financial discussions online. By inferring underlying needs from naturally occurring language, this approach offers a scalable and data-driven alternative to conventional survey methodologies, enabling a more dynamic and nuanced understanding of financial behavior in real-world contexts.