Climate change represents a prevalent challenge confronted by humanity, and with cities being one of the regions most heavily impacted by such change, enhancing their climate resilience is paramount in adapting to and mitigating the associated risks and losses. This article evaluates the climate resilience of 270 major cities in China by creating an urban climate resilience indicator system centered on exposure, vulnerability, and resilience. The article analyses the spatial and temporal evolution trend of climate resilience in Chinese cities, as well as the source of regional differences using Kernel density analysis and the Dagum Gini coefficient decomposition. The article then explores the influence of financial investments on urban climate resilience, considering the moderating effect of urbanization rate.