推动电商平台建“先行赔付”机制 探索“公益防诈保险”减少被骗后损失

Core Viewpoint - The discussion highlights the increasing vulnerability of the elderly consumer group to scams, particularly in the context of the "silver economy," emphasizing the need for better protection of their consumer rights and understanding of their psychological needs [9][10][11]. Group 1: Elderly Consumer Rights and Psychological Insights - Understanding the psychological characteristics of the elderly is crucial for protecting their consumer rights, as their fears and anxieties can make them susceptible to scams [11][13]. - Elderly individuals often exhibit a strong desire to avoid losses, which can lead them to fall for low-cost offers that exploit their fears of missing out [11][12]. - Emotional manipulation through private live streaming and community engagement is a common tactic used by scammers to build trust and exploit elderly consumers [12][20]. Group 2: Trends in Elderly Consumption - Elderly consumer spending is shifting from basic living expenses to include more health and wellness products, with a notable increase in online shopping [17][18]. - Various types of scams targeting the elderly include exaggerated health product claims, low-cost travel offers, and emotional scams that exploit loneliness [17][18][21]. Group 3: Regulatory and Legal Perspectives - Current regulations are insufficient to address the challenges posed by private live streaming and other emerging scam tactics, necessitating stronger legal frameworks [15][16]. - Experts suggest that regulatory bodies should implement specific guidelines for private live streaming to protect elderly consumers from fraud [16][19]. Group 4: Recommendations for Protection - Multi-faceted approaches involving families, society, and regulatory bodies are essential to safeguard elderly consumers from scams [19][22]. - Implementing a delayed payment mechanism for large transactions by elderly individuals could help prevent impulsive decisions that lead to fraud [22][25]. - Initiatives to enhance public awareness and education about scams targeting the elderly are crucial for building resilience against fraud [24][25].