王莉莉(中国老龄科学研究中心老龄产业研究室主任、研究员) 岳屾山(北京岳成律师事务所高级合伙人、央视特约评论员) 秦东瑞(中国老龄事业发展基金会副秘书长、专家委员会秘书长) "银发经济是个信任经济，现在互联网上广泛出现不信任的情况，连年轻人都没办法辨别的情况特别 多。"中国政法大学副教授、中国消费者协会专家委员会专家、北京市电子商务法治研究会副会长朱巍 说。 朱巍(中国政法大学副教授、中国消费者协会专家委员会专家) 王颖(北京社会心理工作联合会老年心理专业工作部委员) 10月28日，重阳节前一天，南都银发经济工作室举办"银发族变'待割韭菜'？聚焦老年消费权益保护"第 三期沙龙活动。多位法学、心理学与老龄领域的专家分享了对老年消费群体权益保护的观察与思考。 王颖：守护老年消费权益需先理解老人心理 不占点便宜就觉得吃亏？叫声"干爸、干妈"就卸下防备？站在老年人角度，是什么心理让他们容易成为 骗子"围猎"的对象？北京社会心理工作联合会老年心理专业工作部委员王颖分析老年人被套路背后的心 理诉求以及如何解开他们的心结。 "家里老人省吃俭用，鞋子磨破都不换，却愿花几千元买保健品，眼都不眨。"王颖抛出的现象引发共 鸣。她指 ...

Core Viewpoint - The article highlights the increasing concern over elder fraud targeting senior citizens, particularly in the context of a recent high-profile case involving a university professor who lost a significant amount of money through online scams. It emphasizes the need for protective measures and awareness initiatives to safeguard the rights and interests of elderly consumers [1][4]. Group 1: Elder Fraud Overview - Elder fraud is increasingly sophisticated, targeting the core needs of senior citizens, making it difficult to combat. In 2022, a special action led by the Central Political and Legal Affairs Commission resulted in 41,000 cases filed and 39,000 cases solved, with over 40 criminal gangs dismantled and 66,000 suspects arrested, recovering 30.8 billion yuan [4][8]. - The types of elder fraud identified include high-return investment scams, health-related scams, elder service scams, and emotional manipulation scams, each exploiting different vulnerabilities of the elderly [4][5]. Group 2: Recommendations for Protection - Suggestions include exploring "public anti-fraud insurance" to mitigate losses for elderly victims and implementing a mandatory delay mechanism for large payments made by seniors. Additionally, linking payment information to their children could help identify unusual transactions [8][10]. - The article stresses the importance of enhancing public awareness and education on fraud prevention, proposing a collaborative initiative involving retired police officers, lawyers, and financial professionals to educate seniors on recognizing and avoiding scams [9][10]. Group 3: Demographics and Economic Context - As of October 2023, the elderly population in China is estimated to reach 320 million, with a broader definition including those aged 55 and above exceeding 450 million. The average monthly pension for urban workers is approximately 3,800 yuan, while rural residents receive only about 245 yuan [8][10]. - A significant portion of the elderly population has low educational attainment, with 29.6% having never attended school and only 3% holding a college degree, making them more susceptible to fraud [8][10].