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Tuesday, January 30, 2018

AARP樂齡會調查揭示 亞太裔因詐騙備受財務和情緒傷害

AARP樂齡會調查揭示
亞太裔因詐騙備受財務和情緒傷害
AARP Fraud Survey Reveals the Financial and Emotional Toll among Asian Americans and Pacific Islanders

50歲以上亞太裔騙案受害者平均損失15,000元,並出現情緒及健康問題。
AAPI Fraud Victims Age 50 and Older Lost More Than $15,000 on Average, Reported Emotional and Health-Related Issues
Read the report and download the infographic at aarp.org/AAPIfraudsurvey.

【華盛頓哥倫比亞特區訊】—AARP樂齡會最近一項有關詐騙的研究調查顯示,近四成(39%)50歲以上亞太裔民眾或他們的家人曾有被欺詐的經歷。此外,三分之一(33%)受害者平均損失15,000元。而非財務的傷害更為普遍,大多數騙案受害者(72%)因此出現不同的情緒、身體或心理健康問題,包括感到憤怒、壓力和焦慮、睡眠困難和羞恥等。

“亞太裔社區的每個人都有被詐騙的風險,” AARP樂齡會多元文化領導部門亞太裔受眾副總裁郭為婉(Daphne Kwok)說。“這項調查提醒我們需要對欺詐和騙局加以防患,以防止財務損失和非財務傷害。AARP樂齡會希望幫助亞太裔社區的民眾和家庭,保護他們辛勤掙取的積蓄。”

提高警惕和教育是免受欺詐的主要方法,但是許多年齡50歲以上的亞太裔民眾經常過於自信,自以為有能力識破多數的騙局。調查顯示,近四分之三受訪者(73%)確信自己可以識破詐騙集團的引誘,但當他們進行一個有六道問題的普通欺詐知識測驗時,大多數人(71%)都未能過關,無法正確回答一半以上的問題。

一些針對50歲以上亞太裔民眾的詐騙類型包括:
  • 國外彩票詐騙(36%)
  • 與災難有關的慈善捐款(33%)
  • 科技騙子假裝清除病毒(32%)
  • 假冒國稅局來電要求補稅(24%)
  • 釣魚電子郵件(20%)

針對詐騙造成的非財務傷害,AARP樂齡會提供以下建議緩解:
  • 明白你並不孤單,感到憤怒、羞恥和尷尬十分正常。
  • 將這些感受轉化成為行動。教育他人關注不同的騙局,避免再墜陷阱。與家人和朋友分享一些防騙的心得。
  • 如果你仍然感到羞恥、尷尬或憤怒,請尋求專業幫助,包括與你的醫生或其他專業人士討論。

家庭成員還可以通過以下方式支持曾經被詐騙的受害者:
  • 傾聽你的親友的遭遇,並施以同情。
  • 提出問題,以更好地了解詐騙發生的情況和背景。
  • 保持溝通渠道暢通。請記住,沮喪和憤怒等的情緒應發洩到騙局和肇事者身上,而不是受害者。
  • 留意受害者是否出現可能再次被騙的行為,例如說:“我要贏錢……”或“那個好人在電話裡說……”。
  • 閱讀免費的AARP樂齡會防止欺詐手冊,並與你的家人討論(詳情見下文)。

AARP樂齡會敦促所有因為騙局損失金錢的受害者立即通報消費者信用機構(各機構網站都有提供說明),如果涉及使用信用卡並要向信用卡公司報告。受害者還應該向聯邦貿易委員會及其州檢察長辦公室舉報詐騙。

瞭解詳情,請瀏覽網站:aarp.org/AAPIfraudsurvey。欲取得更多關於防止騙案的詳細指引,請下載免費的AARP防止欺詐手冊(英文版本) (中文版本)。


WASHINGTON, DC — Nearly four in ten (39 percent) Asian Americans and Pacific Islanders (AAPI) age 50 and older report that they or their family members have experienced fraud schemes, according to the recent fraud survey from AARP. Additionally, one-third (33 percent) of victims lost $15,000 on average. Non-financial costs are even more widespread, with most fraud victims (72 percent) experiencing some sort of emotional, physical or mental health impact, including anger, stress and anxiety, difficulty sleeping and shame.

“Everyone in the AAPI community is at risk for fraud,” said Daphne Kwok, AARP Vice President of Multicultural Leadership, Asian American and Pacific Islander Audience Strategy. “This survey underscores the need to raise awareness around fraud and scams in order to protect against financial and non-financial loss. AARP seeks to help the AAPI community protect their families and their hard-earned savings.”

Awareness and education are major factors in avoiding fraud, but many AAPIs age 50 and older may be overconfident in their ability to spot common scams. In the survey, nearly three of four participants (73 percent) were confident they could spot a fraudulent offer, yet the majority (71 percent) failed a general fraud knowledge quiz of six questions, unable to correctly answer more than half of the questions.

Some of the most common types of fraud targeting AAPIs age 50 and older include:
  • Foreign lottery scams (36 percent)
  • Crisis-related charitable donations (33 percent)
  • Tech support scammers offering virus removal (32 percent)
  • IRS imposter calls to collect back taxes (24 percent)
  • Phishing emails (20 percent)

AARP offers advice on dealing with the non-financial impact of fraud, including:
  • Understand you are not alone and that it's not unusual to experience feelings of anger, shame and embarrassment.
  • Re-channel those feelings into action. Volunteer to help educate others about fraud. Share tips with family and friends.
  • If you have continued feelings of shame, embarrassment or anger, seek professional help. Talk to your doctor or another professional.

Family members can also support a victim of fraud by:
  • Listening with an empathetic ear to your loved one.
  • Asking questions to better understand the situation and context in which the fraud occurred.
  • Keeping lines of communication open. Remember to focus frustration and anger on the scam and the perpetrator — not the victim.
  • Listening for clues of continued participation, such as: “I’m going to win money” or “the nice man on the phone said.”
  • Reading the free AARP Fraud Prevention Handbook and discussing it with your family members (see below for details).

AARP urges people who have lost money to a scammer to report it immediately to the consumer credit bureaus (directions available on their websites) and credit card companies if a charge card was involved. Victims should also report scams to the Federal Trade Commission and their state Attorney General’s office.

For more information, visit aarp.org/AAPIfraudsurvey. For detailed tips on avoiding fraud, download the free AARP Fraud Prevention Handbook in English and Chinese.




調查方法
AARP樂齡會委託研調機構“Asian American Decisions”,就50歲以上亞太裔民眾遭受欺詐和遇到騙案的情況進行今次調查。從2017年10月2日至11月6日期間,該機構在全國抽樣電話訪問1,120人。電話採訪以英語、普通話、廣東話、菲律賓語、越南語和韓語等多種不進語言進行。數據並經加權處理以反映50歲以上亞太裔民眾的人口分佈。在95%置信水平下,1120名受訪者的最高抽樣統計誤差為±2.93%。瞭解調查方法詳情,請瀏覽網站:aarp.org/AAPIfraudsurvey

關於AARP:
AARP樂齡會是全美最大的非營利機構及無黨派組織,旨在強化美國50歲以上的民眾以使他們在逐漸年長的過程中能夠選擇各自的生活方式。AARP樂齡會擁有將近3,800萬會員,及在全美50州、華盛頓特區、波多黎各和美屬維京群島均設有辦事處,藉此增進各個社區及致力倡導和改善與大多數家庭息息相關的議題,尤其是:醫療保健、財務安全、及個人發展。我們並關注在市場上的個人權益,因此不斷推出新的方案及悉心挑選值得冠以AARP樂齡會名稱的優質的產品和服務。作為可靠的消息和資訊來源,AARP樂齡會並出版全球發行量最大的《AARP樂齡會雜誌》(AARP The Magazine) 及《AARP樂齡會通報》(AARP Bulletin)。瞭解詳情,請瀏覽網站:www.aarp.org及通過社交媒體@AARP及@AARPadvocates關注我們。


Survey Methodology
AARP commissioned Asian American Decisions to conduct a research study among Asian American and Pacific Islanders age 50-plus concerning fraud and scams. The national sample included a total of 1,120 interviews by telephone between Oct. 2 and Nov. 6, 2017. Telephone interviewing was conducted in English, Mandarin, Cantonese, Tagalog, Vietnamese, and Korean. Data were weighted to reflect the AAPI 50-plus population. The total sample of 1,120 respondents yields a maximum statistical error of ± 2.93% at the 95% confidence interval. A full methodology statement is available at aarp.org/AAPIfraudsurvey.


ABOUT AARP
AARP is the nation’s largest nonprofit, nonpartisan organization dedicated to empowering Americans 50 and older to choose how they live as they age. With nearly 38 million members and offices in every state, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands, AARP works to strengthen communities and advocate for what matters most to families with a focus on health security, financial stability and personal fulfillment. AARP also works for individuals in the marketplace by sparking new solutions and allowing carefully chosen, high-quality products and services to carry the AARP name.  As a trusted source for news and information, AARP produces the world’s largest circulation publications, AARP The Magazine and AARP Bulletin. To learn more, visit www.aarp.org or follow @AARP and @AARPadvocates on social media.

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