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FINANCIAL FRAUDS AND THE HEALTH OF MIDDLE-AGED AND OLDER ADULTS: THE CASE OF SPAIN

机译:金融欺诈与中老年成年人的健康:以西班牙为例

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摘要

Background: Globally, financial frauds cause loss of lifetime savings to millions of small savers. Whether financial frauds have harmful effects on health has not yet been explored. Our objective was to examine whether fraudulent behaviors by financial institutions are associated with physical and mental health problems in affected populations, comparing with the health of the general population to which they belong.Methods: Pilot study (n=188) conducted in 2015 in the central region of Spain by recruiting subjects affected by two major types of frauds (preferred shares and foreign currency mortgages) using venue-based sampling. Information about monetary value of fraud, dates for awareness of fraud, legal claim and financial compensation were collected. Comparisons of means and prevalence of physical and mental health indicators, sleep and quality of life were carried out between groups by type of fraud and the 2011–2012 National Health Survey.Results: In this conventional sample, victims of financial fraud had worse health, more sleep problems and worse quality of life than comparable populations of similar age. Those who had received financial compensation for lost savings in preferred shares had significantly better health and quality of life than those who had not been compensated and those who contracted foreign currency mortgages.Conclusion: This pilot research suggests harmful effects of financial frauds on the health of those affected. Further research could examine the mechanisms through which financial frauds impact public health. If these pilot results are confirmed, psychological and medical assistance should be provided, in addition to financial compensation.
机译:背景:在全球范围内,财务欺诈导致数百万小额储蓄者终身储蓄损失。尚未探讨财务欺诈是否对健康造成有害影响。我们的目标是检查金融机构的欺诈行为是否与受影响人群的身心健康问题相关联,并将其与该人群所属的普通人群的健康状况进行比较。方法:2015年进行的试点研究(n = 188)通过使用基于场所的抽样,招募受两种主要欺诈类型(优先股和外币抵押)影响的主体,在西班牙中部地区开展业务。收集有关欺诈的货币价值,欺诈意识的日期,法律索赔和财务赔偿的信息。按欺诈类型与2011-2012年全国健康调查在各组之间比较了身心健康指标,睡眠和生活质量的均值和普遍性。结果:在这种传统样本中,财务欺诈的受害者健康状况较差,比类似年龄的同类人群更多的睡眠问题和较差的生活质量。那些因优先股损失而获得经济补偿的人的健康和生活质量要比那些没有得到补偿的人和那些签约外币抵押贷款的人要好得多。结论:这项先导研究表明,金融欺诈对健康造成不利影响。那些受影响的人。进一步的研究可以检查金融欺诈影响公共卫生的机制。如果这些试验结果得到证实,除了经济补偿外,还应提供心理和医疗援助。

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