养老诈骗犯罪的现实特点与防范对策  

Realistic Characteristics of Pension Fraud Crimes and Prevention Strategies

作　　者：张通 ZHANG Tong(Administrative Division,Wuhan Railway Transportation Court,Wuhan 430082,China)

机构地区：[1]武汉铁路运输法院,湖北武汉430082

出　　处：《湖北科技学院学报》2025年第3期41-49,共9页Journal of Hubei University of Science and Technology

摘　　要：实证研究显示,养老诈骗案件呈现出与经济发展程度、人口数量高度正相关,案件高发时段与金融监管政策相关性高,金融领域高发,受害人数多、经济损失大,需追缴违法所得或责令退赔的案件多,重刑率高的特点。究其原因:相关法律规范不完善、行业监管不完善、正规养老金融产品及养老服务供给不足、行刑冲突与追赃挽损难。对此,防范养老诈骗犯罪需要完善相关法律法规、建立联动协同治理机制、建立老年人关爱与供给体系、提升司法打击与治理水平。Empirical studies reveal that pension fraud cases exhibit the following characteristics:a strong positive correlation with regional economic development levels and population size,peak occurrence periods closely tied to financial regulatory policies,high incidence within the financial sector,large numbers of victims and significant economic losses,frequent requirements for recovering illegal gains or ordering restitution,and a high rate of severe sentencing.The underlying causes include inadequate legal frameworks,insufficient industry oversight,a shortage of legitimate pension financial products and elderly care services,conflicts between administrative and criminal procedures,and difficulties in asset recovery and compensation.To address these issues,preventing pension fraud requires improving relevant laws and regulations,establishing collaborative governance mechanisms,developing elderly care support and service systems,and enhancing judicial enforcement and governance capabilities.

关 键 词：养老诈骗犯罪 养老服务 行业监管 

分 类 号：D924.33[政治法律—刑法学]