電信網路投資詐欺被害特性與影響因素之研究

A Study on the Characteristics and Influencing Factors of the Online Investment Fraud Victimization

電信網路投資詐欺是國內外近年新興且高發之詐騙手法，2017至2024年我國投資詐欺件數與財損金額持續攀升；國內對於電信網路投資詐欺被害相關研究尙有限。本研究主要目的在透過客觀的實證資料，以觀察數位生活中的個人特性、網路生活型態、情境機會與暴露接觸等因素對電信網路投資詐欺被害的影響，並檢驗被害者學對電信網路投資詐欺被害的解釋力。研究樣本包括1,095位網路與實體受訪者，透過次數分配、獨立樣本t檢定、卡方（χ2）獨立性檢定和二元邏輯斯迴歸分析等進行分析。研究發現：（1）樣本中曾有發生電信網路投資詐欺被害經驗者73名（占6.7%）。（2）性別、年齡、網路心理成癮、網路行為成癮、偏差價値觀（含偏差價値認同及合理化認知）、休閒交友動機、偏差資訊吸引和暴露風險誘因等，與電信網路投資詐欺被害有顯著關聯或差異性。（3）其中年齡、網路行為成癮、偏差價値認同、含偏差資訊之網路被害誘因等變項，為預測（解釋）被害迴歸模型中較具影響力之顯著因子；最後，根據研究結果提出電信網路投資詐欺被害預防等相關建議。

In recent years, online investment fraud has become a very common scam method, both domestically and abroad. Both the number of incidents of investment fraud and the total amount of financial losses in Taiwan increased between 2017 and 2024. But we still lack sufficient domestic research on the victimization of online investment fraud. The main purpose of this study is to observe the impact of personal characteristics, online lifestyle, situational opportunities, and exposure factors on online investment fraud victims through objective empirical data, and to examine the explanatory power of victimology on online investment fraud victimization. The research sample includes 1,095 online and physical respondents, analyzed through frequency distribution, independent sample t-tests, chi-square ( X2 ) independence tests, and binary logistic regression analysis. Research findings: (1) Among the sample, 73 individuals (6.7%) had experienced online investment fraud. (2) Factors such as gender, age, internet psychological addiction, internet behavioral addiction, deviant values (including deviant value identification and rationalization cognition), leisure and socializing motivations, online inducements about deviant information and exposure risks are significantly associated with or differed in relation to victimization of online investment fraud. (3) Among them, age, internet behavioral addiction, deviant value identification, and online inducements about deviant information are the most influential and significant factors in the regression model predicting (explaining) victimization of online investment fraud. Finally, based on the research findings, relevant recommendations for preventing victimization are proposed.