我國網路詐欺被害風險實證分析：心理特質與網路風險暴露之雙重脆弱性

Empirical Analysis of Online Fraud Victimization Risk in Taiwan: A Dual Vulnerability Model of Psychological Traits and Online Risk Exposure

本研究針對我國網路詐欺被害風險進行實證分析，旨在探討其類型、特性與影響因素。研究採用全國性網路問卷調查，回收有效樣本1，146份，區分為564位具被害經驗者與582位無被害經驗者進行比較。主要分析變項涵蓋人口特性（性別、年齡、收入、教育程度、職業、居住地）、心理特質（偏差價值觀、網路依賴、低自我控制）與網路風險暴露（風險接觸、防護監控、高誘因涉險傾向），以檢驗其對詐欺被害風險之影響。結果顯示，男性、40歲以下、中低收入與教育程度偏低者之被害風險較高，城鄉差異則不具顯著性。在心理特質與網路風險暴露方面，除防護監控外，其餘變項於被害組均顯著高於無被害組，顯示心理傾向與涉險行為在詐欺風險中扮演關鍵角色。邏輯斯迴歸結果亦指出，衝動性、心理依賴、網路誘因吸引與遊樂動機為主要預測因子。綜合分析結果，本文建議應強化高風險心理特質與涉險行為之早期識別機制，並推動具預警功能之防詐教育策略，以提升防制政策之精準度與介入成效。

This study conducts an empirical analysis of online fraud victimization risk in Taiwan, aiming to explore its types, characteristics, and influencing factors. A nationwide online survey was conducted, yielding 1,146 valid responses, which were divided into 564 participants with victimization experience and 582 participants without such experience for comparative analysis. The main analytical variables encompassed demographic characteristics (gender, age, income, education, occupation, residence), psychological traits (deviant values, internet dependency, low self-control), and online risk exposure (risk contact, defensive monitoring, high-incentive risk-taking propensity) to examine their impact on fraud victimization risk. The results revealed that males, individuals under 40 years of age, those with low-to-moderate income, and those with lower educational attainment exhibited higher victimization risks, while urban-rural differences showed no significant association. Regarding psychological traits and online risk exposure, all variables except defensive monitoring were significantly higher in the victimized group compared to the non-victimized group, indicating that psychological predispositions and risktaking behaviors play crucial roles in fraud vulnerability. Logistic regression analysis further identified impulsivity, psychological dependency, online incentive attraction, and recreational motivation as primary predictive factors. Based on the comprehensive analysis results, this study recommends strengthening early identification mechanisms for high-risk psychological traits and risk-taking behaviors and promoting fraud prevention education strategies with early warning functions to enhance the precision and intervention effectiveness of prevention policies.