Telecom Fraud Susceptibility Questionnaire – Chinese Version

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Description

Currently, new forms of telecom network-related crimes are on the rise, seriously infringing upon the property rights of the general public and affecting social security. Research shows that there are individual differences in public responses to telecom network fraud information, with some victims even experiencing repeat victimization. Researchers attribute this phenomenon to individual susceptibility to fraud, suggesting that high-susceptibility individuals lack the resources and ability to discern fraudulent information compared to their lower-susceptibility counterparts. They also prefer emotional heuristic cognitive pathways, making them more prone to erroneous judgments and responses.

Research results in victim psychological profiling, quantitative analysis of statements, and the use of AI technology for “simulated fraud experiments” indicate that various psychological factors—including self-serving bias, monetary motivation, personality traits, social support, cognitive scripts, and decision preferences—predict susceptibility to fraud to varying degrees, serving as psychological cues for identifying potential victims. Fraud susceptibility refers to an individual’s tendency to make non-logical decisions that adversely affect their interests due to an inability to effectively resist temptation in a risky environment and lack of appropriate recognition of potential deceitful information. Consequently, internet fraud susceptibility reveals the likelihood of being deceived when encountering scams online. Studies have demonstrated that assessing internet fraud susceptibility is an effective means of determining individual risk for encountering scams.

Authors and Contact Email

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Purpose

The purpose of the research is to develop a Telecom Fraud Susceptibility Questionnaire (TFSQ) to screen populations vulnerable to telecom network fraud and assess self-risk for victimization.

Test Year

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Administration Method and Scoring

The Telecom Fraud Susceptibility Questionnaire is composed of 15 items across four factors: 风险动机 (Risk Motivation), 直觉偏好 (Intuitive Preference), 过度自信 (Overconfidence), and 鉴别困难 (Difficulty in Distinction). The cumulative variance contribution rate is 51.983%, and the Cronbach’s α coefficient is 0.773. Various indicators such as RMSEA, GFI, NFI, IFI, TLI, and CFI fall within acceptable ranges.

Reliability and Validity

The conclusion indicates that the questionnaire has a solid structure, with reliability and validity meeting psychometric requirements, thus serving as a tool for screening vulnerable populations and self-assessing fraud risk.

Factors and Subscales

1. 风险动机 (Risk Motivation)
2. 直觉偏好 (Intuitive Preference)
3. 过度自信 (Overconfidence)
4. 鉴别困难 (Difficulty in Distinction)

Keywords

Telecom fraud, susceptibility, psychological factors, self-assessment, questionnaire

Items in Chinese

1. 最近某些时候，我感到深深的孤独。
2. 当我遇到困难时，身边很少有人能真的给予我安慰和帮助。
3. 我常忧虑，容易心烦。
4. 我目前急需用钱或正在找工作赚钱。
5. 我平时会用业余时间赚点外快(零花钱)。
6. 选择投资(理财)产品，我主要是看回报率和有多少人买。
7. 据我所知，有些人真的靠刷单、博彩赚到了钱。
8. 遇到自己不懂的情况，我会直接百度或网上征求意见，而不是去咨询身边的人。
9. 收到短信验证码，我会快速提取数字，而不会阅读文字。
10. 赚大钱的人都有一般人不知道的特殊“路子”。
11. 只要不贪小便宜，本分做人，就不会被骗。
12. 被骗的人大部分不是傻就是贪。
13. 骗子不会来骗我。
14. 我知道可拨打96110咨询是不是遇到了骗子?
15. 我知道很多“杀猪盘”、刷单、冒充客服和网贷等案件中骗子常用的谎言(套路)?

Items in English

1. Recently, at times, I feel deeply lonely.
2. When I encounter difficulties, there are rarely people around me who can truly offer comfort and help.
3. I often worry and can easily get upset.
4. I am currently in urgent need of money or am looking for work to earn money.
5. I often make some extra money (pocket money) during my spare time.
6. When choosing investment products, I mainly look at the return rate and how many people are buying it.
7. As far as I know, some people really earn money through activities like order brushing or gambling.
8. When I encounter situations that I do not understand, I directly search online rather than consult the people around me.
9. When I receive SMS verification codes, I quickly extract the numbers without reading the text.
10. People who make big money have special “routes” that ordinary people do not know.
11. As long as I am not greedy for small gains and behave properly, I won’t get scammed.
12. Most of the people who get cheated are either foolish or greedy.
13. Scammers would not come to scam me.
14. I know that I can call 96110 to inquire if I have encountered a scammer.
15. I am aware of many common lies (tricks) used by scammers in cases like “pyramid schemes,” order brushing, impersonating customer service, and online lending.

References

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