1
3
E91009
3
009
合會與倒會行為研究
Inside Rotating Credit Association: the Deceived and Deceivers
1.周愫嫻
1.Susyan Jou
1.國立臺北大學犯罪學研究所
1.Graduate School of Criminology, National Taipei University
001,002,003,004
1.國立臺北大學犯罪學研究所
1.Graduate School of Criminology, National Taipei University
002
1.行政院國家科學委員會
1.National Science Council
A.14 計畫執行期間(起):2002-08-01
A.14 計畫執行期間(訖):2003-07-31
2003-02-012003-04-30
A.16 收到日期:2003-09-10
1
全台灣20歲以上成年人

1

534


534
001
01
C.2 聯絡日期:2003-09-16
2
1.國立臺北大學犯罪學研究所
1.Graduate School of Criminology, National Taipei University
1
C.7 資料公開日期:2004-08-01
2
008
1
1
1
2
3
2
3
001
1,2
1.合會
2.倒會
3.被害者學
4.經濟犯罪
1.Economic Crime
2.Rotating Credit Association
3.Rotating Credit Association Fraud
4.Victimology
 過去關於合會研究大多以經濟與法律面出發,極少以行為科學角度分析合會、倒會、以及倒會被害行為。有鑑於此,本研究試圖以社會學與犯罪學觀點,在 2003 年時利用全國抽樣調查訪問,分析台灣地區合會與倒會被害原因,同時,也訪問兩位在監服刑之倒會詐欺犯,瞭解倒會詐欺犯罪原因、手法與過程。

本研究成功訪問了534 位二十歲以上成年人,及兩位在監服刑之倒會詐欺犯,研究主要發現為:(1)全國68%民眾曾參加過合會,其中39%曾有倒會被害經驗,同時倒會被害並非平 均分佈,60%的倒會事件發生在10%的人口上,且倒會被害後,超過50%的人以不了了之的方式處理,以法律方式處理者僅6%。(2)女性、鄉村地區、朋 友支持度高的民眾較喜歡參加合會。參加動機以儲蓄、利息較高與人情邀約所佔比例最大。一般跟會多介於20-34 會員之間,每期會錢在2 萬元以下。(3)倒會加害人共同特徵為中年有家庭男性,他們只找鄰友,不找親戚加入自己的合會,並獲取會員信任後,趁會員不到場機會冒標,並侵佔會款。倒 會動機通常為債務或為其他倒會會腳所拖累。事發後雖無法償還,但均向被害人表示還錢意願。倒會加害人一般自認倒會不是犯罪,沒有污名或恥感壓力。(4)倒 會被害人共同特徵為男性、曾有被騙經驗、常參加合會、喜歡同時加入同一會兩會腳以上,每期會錢超過兩萬元以上。

本研究最後建議民眾如何選擇安全的合會,並希冀政府除應宣導合會相關法律知識外、還可從小教導合會常識,並灌輸其他理財管道與風險概念,增加未來理財的選擇性與評估能力。

 Most previous literature about rotating credit associations (RCAs) has focused on the legal or economic perspective. There is very little social science research on RCAs taking the behavior analytical point of view. Thus, we have not learned much about the characteristics of participants, fraud criminals and victims, the motives of the criminal, the means of the crime and the risk of been a potential victim. Neither do we know about the interpersonal networking of the participants, deceivers and deceived.

This research is designed to examine the deceived and the deceivers in participating the RCAs from the sociological and criminological aspects. By surveying a random sample of 534 adults and in-depth interviewing 2 inmates, the research finds that (1) 68% have RCA experiences. Among them, 39% were once s RCA fraud victim. However, 60% fraud happened in 10% victims. More than 50% victims never took any action to compensate their monetary loss. (2) Females lived in suburban area with more supports from friends were more likely to participant RCAs. The most attraction about RCAs was a way to save money, to earn tax-free high interests and exchange interpersonal favors. (3) The RCA deceivers were more likely to be middle-age married men. They often violated members’ trust and used the members’ absence of monthly meetings as opportunities to commit fraud. Deceivers perceived themselves differently from the “real criminal”. Instead of feeling guilty or shameful, they sensed no problems of re-integrating to community after serving their time in prison. (4) Frequent female participants who were easy to be taken advantaged, joined more RCAs at the same time with high monthly payments were more likely to be RCA fraud victims. Suggestions on how to select safe RCAs are made. Government promotion of legal rights and obligations of participating RCAs is highly encouraged. It is also important that modern financial and risk management skills are introduced to students in school.

D.16 完成檢誤日期:2004-03-22
D.17 預定釋出日期:2004-08-01
D.18 初次釋出日期:2004-08-05
D.19_1 最新版釋出日期:2004-08-05
1
1
1
2
1,3
10.6141/TW-SRDA-E91009-1
http://efenci.srda.sinica.edu.tw/webview/index.jsp?object=http://efenci.srda.sinica.edu.tw:80/obj/fStudy/E91009
追蹤清單
下載(0)
申請(0)
遠距(0)