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评估对金融剥削 (FE) 脆弱性的新方法
Scott R Beach1, Sara J Czaja2, Richard Schulz3
1University Center for Social and Urban Research, University of Pittsburgh, Pittsburgh, PA, USA.
Journal of elder abuse & neglect
|November 12, 2023
概括
这项研究引入了评估老年人金融剥削 (FE) 脆弱性的新方法. 新型措施在识别有风险的个体方面显示出前景,有助于预防策略.
科学领域:
- 老年学是一门学科.
- 金融心理学 金融心理学
- 行为经济学是一种行为经济学.
背景情况:
- 金融剥削 (FE) 是影响老年人的一个重要问题.
- 现有的FE脆弱性评估方法存在局限性.
研究的目的:
- 引入和验证两种评估金融剥削脆弱性的新方法.
- 识别与FE脆弱性相关的人口,认知和行为因素.
主要方法:
- 开发基于网络的模拟来评估财务技能.
- 使用常见诈骗场景的可信度评级创建了诈骗漏洞测量.
- 分析了与FE脆弱性有关的人口,认知,技术和心理因素.
主要成果:
- 拥有更好的财务技能的老年人更年轻,男性,西班牙裔,受过更多教育,收入更高,认知功能更好,计算能力和技术经验更强.
- 更高的FE脆弱性与年龄较大,男性,非裔美国人,受教育程度较低,收入较低,财务任务表现较差,认知功能较低,技术经验较少,更多的财务焦虑,冲动性和陌生人发起的FE相关.
- 这两种新型措施都显示出FE脆弱性的有效指标的潜力.
结论:
- 基于绩效和基于场景的新型措施在识别易受金融剥削的个体方面表现有前途.
- 了解导致FE脆弱性的多方面的因素对于制定有针对性的干预措施至关重要.
- 这些工具可以帮助早期发现和预防老年人之间的金融剥削.
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