退休是否会增加欺诈暴露率和欺诈受害率?-来自中国的证据
1China Academy of Public Finance and Public Policy, Central University of Finance and Economics, Beijing, China.
概括
在中国,退休增加了老年人遭受欺诈受害和经济损失的风险,尽管这并没有影响欺诈暴露. 这与日常活动的变化以及退休后心理脆弱性增加有关.
科学领域:
- 老年学是一门学科.
- 犯罪学 犯罪学
- 经济学 经济学 经济学
背景情况:
- 老年人是一个易受欺诈的弱势群体.
- 退休代表着一个重要的生命过渡,具有潜在的社会经济影响.
- 了解退休和财务剥削之间的关系对于老年人保护至关重要.
研究的目的:
- 调查退休对中国老年人欺诈暴露和受害的因果关系.
- 确定将退休与增加欺诈受害风险联系在一起的机制.
- 为旨在保护退休人员免受金融欺诈的政策干预提供信息.
主要方法:
- 利用来自中国健康与退休长度调查 (CHARLS) 的数据.
- 使用的仪器变量 (IV) 回归分析.
- 利用中国的法定退休年龄作为外部变化的工具变量.
主要成果:
- 退休没有对欺诈风险产生重大影响.
- 退休显著增加了老年人中欺诈受害的风险.
- 严重的财务损失与退休后的欺诈受害者有关.
结论:
- 退休加剧了中国老年人的欺诈受害者风险.
- 退休后时间分配的变化和心理脆弱性的增加是关键的调解因素.
- 政策和支持系统是必要的,以减轻退休人员的欺诈风险.
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