中文摘要:

假冒公務員名義通訊詐財為所有詐欺犯罪名目中，破壞人與人、公部門與民眾間彼此信賴感及被害損失金額最嚴重的詐欺類型。本研究藉由蒐集2008年警察機關刑案紀錄之案件，透過次級資料分析及質性研究，對高雄地區以假冒公務員名義通訊詐財被害個案資料，利用敘述統計分析；並採取立意抽樣方法，選取6名個案，進行深度訪談，釐清高雄地區利用此名目詐欺被害之認知與互動歷程。
從實證研究發現，每年春節、中秋節前後期間為詐欺被害之巔峰期；且大致集中在週四、五；被害年齡介於21至30歲，女性被害比男性高出約二成；且被害者呈現高學歷現象、職業以從事服務業最多，被騙金額採以「ATM轉帳」交付，以「未滿3萬元」為主要之方式。高雄市苓雅區為發生最高之區域、其次楠梓區，倘以金融機構數及發生數相較之下，則小港、楠梓區呈現較大的差異；從訪談研究釐清出個案之特性、生活經驗、互動之時間、管道、感受、方式及互動取信階段之因素、認知反應，財物交付情形、認知決意及被害後之影響與調適方式等詐欺被害者之歷程。
依據研究結果，採全民共同防治之理念，提出建議，從案件發生地之認定、政策上建立警察分局治安小報宣教、修法強化管理金融帳戶及通訊電話及個人資料之妥善保存、保護等；針對機關、政策及個人等三部份著手防治，供民眾及執行策略之參考，以建立全民防詐騙意識，遏阻詐騙之橫行。

英文摘要:

Among all fraud crimes, money-swindling through communication in the names of civil servants is the worst type and largest money loss of fraud crimes that interfere with the relationship between persons and the trust between public sectors and the people. Based on the statistics compiled by police agency in 2008, the study, which applies secondary data analysis qualitative research, focuses on the individual cases of money-swindling through communication in the names of civil servants in Kaoshiung area; then analyzes in the way of descriptive statistics. Meanwhile, six individual cases were selected to practice depth interviews by adopting the method of purposive sampling to clarify victims’ cognition of this kind of fraud and the interactive course in Kaoshiung area.
From the results of empirical study, the peak periods of fraud crimes are before and after Spring Festival and Mid-autumn Festival; most of the days fall on Thursdays and Fridays; the ages of victims are between 21 to 30, female victims are more than male victims by 20%; most of them are well educated and working in the field of service industry; in most cases, money-swindling are paid by transferring from ATM, and most of the sums of swindled money are less than TWD 30,000 Yuan. Lingya District, Kaoshiung City is the area with the highest fraud-crime occurrence, NanTzu District in the next place. If compared by the number of financial institutions and the number of occurrence, HsiaoKang District and NanTzu District have much more disparity. From the interviews, the characteristics of each case, victims’ life experience, the time of interaction, channels, feelings, methods, the process of obtaining trust through interaction, the response of cognition, the conditions of money payment, cognition decision, the influence after being swindled and adaptation methods were made clear.
According to the study results, this study adopts the idea of joint prevention of all the people. Suggestions are as followings: clarification of places where cases occurred, propagating on public security tabloid of police precincts; modifying laws to enhance the management of financial accounts; keeping and protecting communication data like telephone numbers and personal materials safely; adopting preventive measures in agencies, policy and individuals to provide reference for the public and strategy-implementing, so as to establish the against-fraud awareness of all the people and prevent fraud from spreading.

資料來源: https://hdl.handle.net/11296/9ygarv