Yu Shih-Jen, Kuo Chun-Tung, Tseng Yung-Ching
Department of Civic Education and Leadership, College of Education, 215176National Taiwan Normal University, Taipei, Taiwan.
Institute of Health Behaviors and Community Sciences, College of Public Health, 63205National Taiwan University, Taipei, Taiwan.
J Appl Gerontol. 2023 Jan;42(1):89-98. doi: 10.1177/07334648221121775. Epub 2022 Aug 25.
Fraud jeopardizes older people's physical, mental, and economic well-being, and financial literacy and risk preference have been linked to the risk of fraud experience. Given the inconsistent evidence, we investigated whether financial literacy and risk preferences were associated with fraud exposure and victimization among middle-aged and older adults. We analyzed data from the 2015 China Household Finance Survey, including 22,121 participants aged 50 and older. Poisson regression models were conducted to determine the association of financial literacy and risk preference with fraud experience. We found that financial literacy and risk preference were positively associated with fraud exposure and victimization. The prevalence of fraud victimization among middle-aged and older adults with the highest financial literacy and risk preference levels was 46.5% and 45.8% higher than among those with the lowest levels, respectively. These findings suggested that basic financial knowledge is insufficient to protect older people from fraud exposure and victimization.
欺诈行为危及老年人的身心健康和经济福祉，金融知识素养和风险偏好与遭受欺诈的风险有关。鉴于证据并不一致，我们调查了金融知识素养和风险偏好与中老年成年人遭受欺诈暴露及成为欺诈受害者之间是否存在关联。我们分析了2015年中国家庭金融调查的数据，其中包括22121名年龄在50岁及以上的参与者。采用泊松回归模型来确定金融知识素养和风险偏好与欺诈经历之间的关联。我们发现，金融知识素养和风险偏好与欺诈暴露及成为欺诈受害者呈正相关。金融知识素养和风险偏好水平最高的中老年成年人中，欺诈受害者的比例分别比水平最低的人群高出46.5%和45.8%。这些研究结果表明，基本的金融知识不足以保护老年人免受欺诈暴露及成为欺诈受害者。
