Seismic resilience management for transportation infrastructure often decouples pre-disaster resource allocation from post-disaster functional recovery, overlooking the critical constraints that financing rhythms impose on physical restoration. This study proposes a full-chain resilience assessment framework that unifies pre-disaster investment, in-disaster structural resistance, and post-disaster collaborative recovery. By expanding the functional Quality-Time (Q-T) theoretical space, we introduce the concept of "Expected Resilience" ( R E ) to mathematically map the feedback effects of post-disaster funding flows onto engineering recovery trajectories. The framework is validated using a critical 500-m span bridge in the transportation network as a case study, evaluating 78 sets of disaster management strategies across three seismic hazard levels. We employ a normalized decision index ( δ m ) to systematically weigh the marginal benefits of engineering retrofitting against financial hedging. Results demonstrate a significant synergistic coupling: while engineering reinforcements reduce initial functional losses and lower insurance premiums, catastrophe insurance reduces the expected resilience gap by up to 83% by alleviating financing-induced idle time. Findings suggest that engineering-only strategies are economically viable in low-risk zones; however, mid-to-high-risk scenarios necessitate hybrid "engineering-financial" strategies to maximize resilience gains and ensure fiscal efficiency. This study overcomes the restriction of categorizing disaster management stages solely along the temporal dimension of resilience curves. Additionally, it offers a robust quantitative tool to facilitate the shift from isolated assessments to integrated and cross-dimensional management.
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Xu et al. (2026) studied this question.
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