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[金融欺诈与健康:一种定性研究方法]

[Financial fraud and health: a qualitative approach].

作者信息

Rodríguez-Rodríguez Vicente, Pérez-Garín Daniel, Recio-Saboya Patricia, Rico-Gómez Ana

机构信息

Instituto de Economía, Geografía y Demografía, Consejo Superior de Investigaciones Científicas, Madrid, España.

Centro de Enseñanza Superior Cardenal Cisneros, Madrid, España.

出版信息

Gac Sanit. 2020 May-Jun;34(3):268-275. doi: 10.1016/j.gaceta.2019.11.006. Epub 2020 Jan 18.

Abstract

During the economic crisis, developed countries have experienced financial fraud, with effects on the physical and mental health of the people affected, and on social domains. Based on the theoretical framework in literature reviews and in quantitative studies, this paper aims to obtain evidence on the effects of financial fraud on health and on the family and social environments of those affected. An intentional sample of 32 people affected by abusive and multi-currency mortgages, preferred and swap stock in Madrid was approached. In-depth interviews were conducted, and the resulting data was analysed using content analysis. Fraud-affected individuals had conditions of age, sex, educational level and occupations that possibly allowed them to accumulate economic resources throughout the course of their lives and, predictably in many cases, to take out fraudulent financial products, based on trust in the financial institutions. Financial fraud has led to the emergence of various processes of anomia and adverse health effects. The consequences on health were physical ailments (symptoms and diseases in various systems and parts of the body) and mental disorders (anxiety, depression, suicidal ideation), all affecting lifestyles, behaviour and personal and social relationships, both in affected individuals and their families. The increase in the use of medical drugs and health services serves as a final corollary to the imbalances on the affected people's health. Individuals and the Spanish society demand public health policy measures to mitigate the effects on health and the recovery of their confidence in the banking and political system.

摘要

在经济危机期间,发达国家经历了金融欺诈,这对受影响人群的身心健康以及社会领域都产生了影响。基于文献综述和定量研究中的理论框架,本文旨在获取有关金融欺诈对受影响者的健康、家庭和社会环境影响的证据。我们选取了马德里32名受滥用多货币抵押贷款、优先股和掉期股票影响的人员作为有意样本。进行了深入访谈,并使用内容分析法对所得数据进行了分析。受欺诈影响的个人在年龄、性别、教育水平和职业方面的状况,可能使他们在一生中积累经济资源,并且在许多情况下,可以预见地基于对金融机构的信任而购买欺诈性金融产品。金融欺诈导致了各种失范过程的出现以及对健康的不利影响。对健康的后果包括身体疾病(身体各个系统和部位的症状和疾病)和精神障碍(焦虑、抑郁、自杀念头),所有这些都影响着受影响个人及其家庭的生活方式、行为以及个人和社会关系。医疗药物和健康服务使用的增加是受影响人群健康失衡的最终结果。个人和西班牙社会要求采取公共卫生政策措施,以减轻对健康的影响,并恢复他们对银行和政治系统的信心。

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