电商经济视角下我国老年人电商消费诈骗防范体系的优化研究

Optimization Research on the Prevention System of E-Commerce Consumption Fraud against the Elderly in China from the Perspective of E-Commerce Economy

摘要: 随着电商经济的深入发展，老年群体网络使用时长与电商消费占比持续提升，逐渐成为电商市场的重要组成部分。然而，依托电商运营逻辑与技术工具的诈骗行为也随之激增，如直播情感诱导诈骗、AI虚拟形象涉财诈骗、私域健康靶向诈骗及小额隐形扣款诈骗等，给老年人财产安全造成严重威胁，也破坏了电商市场秩序。本文基于电商经济场景，系统梳理了当前老年人电商消费诈骗的四类典型现状，深入剖析了防范体系在电商专项法规、全链路监管、场景化宣传、技术防护与适老化改造等方面存在的适配性不足问题。在此基础上，从完善电商跨场景法规协同、构建全链路监管与数据共享机制、推进电商场景化宣传教育、优化技术防护与安全适老改造四个维度，提出针对性优化策略，以期为健全老年人电商消费诈骗防范体系提供实践参考，助力老年人安全融入数字消费生态，推动老年电商消费市场与银发经济健康可持续发展。

Abstract: With the in-depth development of the e-commerce economy, the elderly group’s online usage duration and proportion of e-commerce consumption have been continuously increasing, and they have gradually become an important part of the e-commerce market. However, fraud behaviors relying on e-commerce operation logic and technical tools have also surged accordingly, such as live-streaming emotional inducement fraud, AI virtual image-related financial fraud, private domain health-targeted fraud, and small-amount invisible deduction fraud. These frauds pose a serious threat to the property security of the elderly and also disrupt the order of the e-commerce market. Based on e-commerce economic scenarios, this paper systematically sorts out four typical current situations of e-commerce consumption fraud against the elderly, and deeply analyzes the insufficient adaptability of the prevention system in aspects such as e-commerce-specific laws and regulations, full-link supervision, scenario-based publicity and education, technical protection, and elderly-friendly transformation. On this basis, targeted optimization strategies are proposed from four dimensions: improving the coordination of cross-scenario laws and regulations in e-commerce, constructing a full-link supervision and data sharing mechanism, promoting scenario-based e-commerce publicity and education, and optimizing technical protection and safe elderly-friendly transformation. The purpose is to provide practical references for improving the prevention system of e-commerce consumption fraud against the elderly, help the elderly integrate into the digital consumption ecosystem safely, and promote the healthy and sustainable development of the elderly e-commerce consumption market and the silver economy.