基于扎根理论的贷款注销诈骗全过程心理交互机制

The Whole-Process Psychological Interaction Mechanisms of Loan Cancellation Fraud Based on Grounded Theory

摘要: 当前贷款注销诈骗危害突出，作为典型避损型诈骗，其心理操控机制尚缺乏系统研究。本研究基于141份受害者自述文本，运用扎根理论和文本分析方法，将诈骗过程分为接触与信任构建、控制与资金榨取、诈骗终止与创伤反应三个阶段，梳理欺诈者行为、受骗者心理状态与行为演化规律。研究表明，该类诈骗依托损失厌恶、权威伪装、信息隔离与心理施压实现欺诈，受害者心理由初期怀疑警惕逐步走向认知瓦解，受骗后产生自责、崩溃等负性情绪与心理创伤。本研究厘清了注销贷款诈骗完整演化链条，可为反诈宣传防控与受害者心理干预提供理论参考。

Abstract: Loan cancellation fraud has become increasingly prevalent and harmful at present. As a typical loss-avoidance type of fraud, it still lacks systematic research on its psychological manipulation mechanism. Based on 141 victim self-narrative texts, this study adopts grounded theory and textual analysis to divide the fraud process into three stages: contact and trust establishment, behavioral control and financial exploitation, as well as fraud termination and traumatic reactions. It further summarizes the behavioral patterns of fraudsters and the psychological and behavioral evolution of victims. The results indicate that such fraud is realized through loss aversion, authority disguise, information isolation and psychological pressure. Victims gradually fall from initial suspicion and vigilance to cognitive collapse, and subsequently suffer from negative emotions such as self-blame and breakdown, accompanied by severe psychological trauma. This study clarifies the complete evolutionary chain of loan cancellation fraud, and provides theoretical references for anti-fraud publicity, targeted prevention and psychological intervention for victims.