Abstract：The psychological mechanism of financial fraud involving the elderly was studied based on the frame work of Bronfenbrenner′s bioecological theory of human development in the paper. The questionnaires of susceptibility to scams，perceived social support scale （PSSS），multiple ability self-report questionnaire （MASQ）, Schutte self-report emotional intelligence scale （SSEIS）， family APGAR （adaptation， partnership，growth，affection and resolve）index，financial literacy and necessary statistical methods were used to analyze the current situation and factors influencing financial fraud susceptibility and to compare its differences between the elderly and the young and middle-aged. The results showed that elder′s susceptibility to financial fraud were higher than that of the young and middle-aged， and also varied with different educational backgrounds and income levels. The research also found that the influencing factors on elder′s susceptibility to financial fraud were different with that on the young and middle-aged；among the influencing factors，the social factors such as family function and friend social support were significant，while the emotional intelligence or financial knowledge was not significant. The research suggested that the prevention of financial fraud should focus on fully mastering the characteristics of the elderly group，understanding the importance and urgency of family construction and revising the previous financial coaching and propaganda methods mainly based on financial knowledge.

摘要：基于生物生态学理论视角,采用欺诈易感性、领悟社会支持、多元认知能力、情绪智力、家庭关怀度指数和金融知识等问卷开展调查,运用统计方法分析比较老年人与中青年人金融欺诈易感性现状与影响因素.结果显示:老年人金融欺诈易感性水平高于中青年人;老年组内金融欺诈易感性水平因学历、收入水平而异;与中青年人相比,老年人金融欺诈易感性影响因素差异较大,家庭功能与朋友社会支持等社会性因素具有显著影响,而情绪智力与金融知识的影响不显著.研究提示,防范金融诈骗应聚焦老年人群体特征,充分认识家庭建设的重要性与紧迫性,改变以往金融知识为主的授课、宣导方式.