社交活动对老年人诈骗被害的影响——基于CHARLS数据的实证分析

Influences of Social Activities on Fraud Victimization among the Elderly:An Empirical Analysis Based on CHARLS Data

为进一步加强对养老诈骗的防治工作,本文以生活方式暴露理论、积极活动理论为理论基础,使用中国健康与养老追踪调查(CHARLS)数据进行统计分析,研究社交活动与老年人诈骗被害的关系。研究发现,参与社交活动具有双重效应:一方面,社交活动会提高接触诈骗的可能性;另一方面,参与社交会降低老人实际受骗并造成损失的可能性,自我身份认同感在其中起到部分中介作用。因此,加强社交场所安全保障与反诈宣传,提高老人自我身份认同,借助大数据模型刻画老年易受骗群体,是预防养老诈骗的有效途径。

This article examines the relationship between social activities and fraud victimization among the elderly,utilizing lifestyle exposure theory and active engagement theory,based on data from the China Health and Retirement Longitudinal Study.The findings indicate a dual effect of social activity participation among older adults:while it increases exposure to fraud,it simultaneously decreases the likelihood of becom‐ing a victim of scams,with self-identity serving as a partial mediator.Consequently,enhancing safety measures in social settings,raising anti-fraud awareness,and improving elderly self-identity through big data models are effective strategies for preventing elder fraud.