幸福感能降低中老年人受骗风险吗?——基于CHARLS数据的实证研究

Does Happiness Reduce the Fraud Risks in Middle-Aged and Elderly?——Empirical Evidence From CHARLS Data

未被满足的情感需求是导致中老年人决策偏差和经济损失的关键因素.利用2015年中国健康与养老追踪调查(CHARLS)的追踪数据,本文研究了幸福感对中老年人受骗风险的影响.结果表明,中老年人幸福感与受骗风险存在明显的负相关关系.进一步考虑内生性等问题之后,发现基本结果仍然成立.此外,论文支持幸福感或通过增强中老年人自我控制而降低其受骗风险的假设.在中老年人诈骗事件频发的背景下,本文的研究结论有助于社会各界深入认识心理健康对中老年人经济决策的重要性,也为监管部门构建诈骗风险防范体系提供了政策依据.

Dissatisfaction in feeling state is crucial factors causing decision-making bias and economic loss among middle-aged and elderly.Based on the tracking data of the 2015 China Health and Retirement Longitudinal Study(CHARLS),this paper empirically analyzes the impact of happiness on the fraud risk in middle-aged and elderly.The results show that there is a significant negative correlation between the happiness of middle-aged and elderly people and the risk of being cheated.Besides,we find the result is still robust after controlling endogeneity and other methodological alternatives.Moreover,this paper provide enough evidence to support the hypothesis that happiness could prevent middle-aged and elderly from bearing fraud risk by increasing their self-control capacity.Against the background of frequent frauds among the middle-aged and elderly,this paper helps to understand the role of mental health in their economic decision-making,offering policy makers suggestions to establish a fraud prevention system for middle-aged and elderly.