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涉疫诈骗导致美国人损失上亿财富,谁最容易成为受害者?

Rey Mashayekhi
2020-08-21

电话诈骗依然是犯罪分子用得最多的诈骗方式。

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常言说有危必有机。诈骗分子显然是深知这个道理的。

据美国联邦贸易委员会上周透露,由于涉新冠疫情的诈骗活动猖獗,美国人的损失已经超过1亿美元。美国执法部门已经接到了超过16万起报案,内容也是无奇不有,包括冒用身份骗取纾困金支票、就业诈骗、抵押贷款诈骗等等。

个人理财网站The Ascent分析了联邦贸易委员会的数据,揭露了疫情期间美国高发的几种诈骗犯罪的主要形式。分析显示,电话诈骗依然是犯罪分子用得最多的诈骗方式。截至8月10日,美国已经接到了9700起报案,受害者的损失累计达1500万美元。电子邮件诈骗则是造成最大损失的诈骗形式,报案数量已经达到了8400多起,受害者损失大约为1800万美元。

数据表明,美国老百姓最容易在网购的过程中上当,相关报案已经超过了24400多起,通常涉及假冒商品及服务,受害者的损失超过了1400万美元。不过与旅行相关的诈骗造成的损失则要大得多,相关报量数量达到将近18700起,损失合计超过3500万美元,相关案件通常涉及与出行相关的退款、取消事项等。

在美国联邦贸易委员会接到的报案中,涉疫情的诈骗形式主要有:以居家核酸检测、疫苗接种或者以提供防疫物资为借口的诈骗;冒用身份骗领纾困金支票诈骗;抵押贷款、医疗保险诈骗;以介绍就业为借口的诈骗等。

从行政区划看,加利福尼亚州是美国人口最多的州,诈骗活动导致的损失也相应最多,合计达到了1560万美元。而美国其他地区的受害者人均损失相对来说要比加州高出很多。

从发案率看,缅因州的平均诈骗发案率为万分之6.84,为全美之最。哥伦比亚特区(万分之6.7)、马萨诸塞州(万分之5.52)和内华达州(万分之5.46)也都超过了全美平均水平(万分之4.9)。另外,夏威夷、马萨诸塞州、蒙大拿州和罗德岛的冒用身份诈骗的发案率相对较高。

The Ascent表示,至于为什么个别州的诈骗案发案率较高,目前还很难给出合理的解释。有可能是某些诈骗分子专门瞄准了特定地区和特定人口行骗,但也有可能是因为一些州的居民更喜欢报案。比如缅因州的居民似乎特别注意避免成为诈骗分子的目标,在缅因州,只有32%的报案者表示他们被骗走了钱,这个比例也是全美最低的,且远远低于全国平均水平(50%)。

但是,现在没有任何迹象表明新冠病毒会“奇迹般消失”。美国也仍有可能进一步加大经济刺激(虽然可能性很小)。因此,美国那些指望发“国难财”的诈骗分子也不可能就此收手。(财富中文网)

译者:Min

常言说有危必有机。诈骗分子显然是深知这个道理的。

据美国联邦贸易委员会上周透露,由于涉新冠疫情的诈骗活动猖獗,美国人的损失已经超过1亿美元。美国执法部门已经接到了超过16万起报案,内容也是无奇不有,包括冒用身份骗取纾困金支票、就业诈骗、抵押贷款诈骗等等。

个人理财网站The Ascent分析了联邦贸易委员会的数据,揭露了疫情期间美国高发的几种诈骗犯罪的主要形式。分析显示,电话诈骗依然是犯罪分子用得最多的诈骗方式。截至8月10日,美国已经接到了9700起报案,受害者的损失累计达1500万美元。电子邮件诈骗则是造成最大损失的诈骗形式,报案数量已经达到了8400多起,受害者损失大约为1800万美元。

数据表明,美国老百姓最容易在网购的过程中上当,相关报案已经超过了24400多起,通常涉及假冒商品及服务,受害者的损失超过了1400万美元。不过与旅行相关的诈骗造成的损失则要大得多,相关报量数量达到将近18700起,损失合计超过3500万美元,相关案件通常涉及与出行相关的退款、取消事项等。

在美国联邦贸易委员会接到的报案中,涉疫情的诈骗形式主要有:以居家核酸检测、疫苗接种或者以提供防疫物资为借口的诈骗;冒用身份骗领纾困金支票诈骗;抵押贷款、医疗保险诈骗;以介绍就业为借口的诈骗等。

从行政区划看,加利福尼亚州是美国人口最多的州,诈骗活动导致的损失也相应最多,合计达到了1560万美元。而美国其他地区的受害者人均损失相对来说要比加州高出很多。

从发案率看,缅因州的平均诈骗发案率为万分之6.84,为全美之最。哥伦比亚特区(万分之6.7)、马萨诸塞州(万分之5.52)和内华达州(万分之5.46)也都超过了全美平均水平(万分之4.9)。另外,夏威夷、马萨诸塞州、蒙大拿州和罗德岛的冒用身份诈骗的发案率相对较高。

The Ascent表示,至于为什么个别州的诈骗案发案率较高,目前还很难给出合理的解释。有可能是某些诈骗分子专门瞄准了特定地区和特定人口行骗,但也有可能是因为一些州的居民更喜欢报案。比如缅因州的居民似乎特别注意避免成为诈骗分子的目标,在缅因州,只有32%的报案者表示他们被骗走了钱,这个比例也是全美最低的,且远远低于全国平均水平(50%)。

但是,现在没有任何迹象表明新冠病毒会“奇迹般消失”。美国也仍有可能进一步加大经济刺激(虽然可能性很小)。因此,美国那些指望发“国难财”的诈骗分子也不可能就此收手。(财富中文网)

译者:Min

They say that crisis breeds opportunity. Well, fraudsters certainly got the memo.

Americans have lost more than $100 million to fraud connected to COVID-19, the Federal Trade Commission revealed last week, with more than 160,000 fraud reports filed with authorities over everything from stolen stimulus checks to phony job offers and mortgage scams.

Personal finance website The Ascent parsed through the FTC’s numbers to document the various forms of fraud that have plagued Americans during the coronavirus pandemic. It found that phone calls were the most commonly reported method deployed by fraudsters, with nearly 9,700 cases that resulted in nearly $15 million in losses as of August 10. However, email-related fraud resulted in the largest losses, with more than 8,400 reported cases that cost Americans roughly $18 million.

Online shopping offers have been the most common source of fraud reports—with more than 24,400 instances reported, often involving phony products and services, that have cost consumers more than $14 million. Yet travel-related schemes have caused significantly more damage, with more than $35 million lost through nearly 18,700 reported instances of fraud, often involving trip-related refunds and cancellations.

Common examples of coronavirus-related fraud reported to the FTC include fake offers for at-home COVID-19 tests or vaccinations, as well as personal protective equipment (PPE). Others have fallen victim to identity theft related to fraudulent stimulus check offers, as well as scams involving mortgages, health insurance, and job opportunities.

The statistics also offer a geographic breakdown of where fraud has been particularly prevalent. While California, the nation’s most populous state, has seen the largest fraud-related losses with more than $15.6 million lost to scammers, other parts of the country have reported significantly higher instances of fraud per capita.

Maine leads the way with an average of 6.84 fraud reports for every 10,000 people, while the District of Columbia (6.7), Massachusetts (5.52), and Nevada (5.46) have all exceeded the national average of 4.9 fraud reports per 10,000 people. Meanwhile, the likes of Hawaii, Massachusetts, Montana, and Rhode Island have reported higher rates of identity theft, in particular.

As The Ascent notes, it’s hard to tell why certain states have reported higher rates of fraud than others. While certain scammers may be targeting specific geographic areas and populations, it could also be that residents in some states are more diligent about reporting fraud than others. Those in Maine, for instance, appear to be particularly savvy about avoiding scams; only 32% of Mainers who filed fraud reports indicated that they lost money through such schemes—the lowest percentage of any state, and well below the national average of 50%.

But with few signs that COVID-19 will be going away any time soon—and the possibility, however diminishing, of more stimulus help on the horizon—it appears unlikely that fraudsters looking to capitalize on the pandemic will stop targeting Americans, either.

财富中文网所刊载内容之知识产权为财富媒体知识产权有限公司及/或相关权利人专属所有或持有。未经许可,禁止进行转载、摘编、复制及建立镜像等任何使用。
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