Trust no more? The impact of fraud victimization on generalized trust in China
Abstract
This study explores the psychological consequence of fraud victimization on generalized trust in China, an area that has been less examined compared to the consequence of violent crime. Given that fraud specifically exploits victims’ trust, this research aims to determine whether fraud victimization leads to a decline in generalized trust and the duration of this effect. Using data from the China Family Panel Studies (CFPS), a nationally representative longitudinal survey from 2012 to 2020, the study applies logistic regression models to assess the short- and long-term effects of fraud on generalized trust, controlling for various demographic and socio-economic factors. The findings reveal that fraud victimization significantly reduces generalized trust for up to two years, after which trust levels tend to recover, suggesting that the impact of fraud on trust, though significant, may be temporary. This research contributes to a broader understanding of how property crimes, particularly fraud, affect societal trust, highlighting that while fraud can erode trust, recovery is possible. Future studies should further investigate these dynamics, particularly the role of social and reinforcement learning in trust recovery, and employ more frequent data collection to better capture the timing of trust restoration.
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Evidence synthesized across regions indicates that fraud victimization is associated with diminished generalized trust, heightened suspicion, and perceived loss of social safety, contributing to broader disruptions in social functioning and perceived control.
“Evidence synthesized across regions in Table 2 indicates that fraud victimization is associated with diminished generalized trust, heightened suspicion, and perceived loss of social safety, contributing to broader disruptions in social functioning and perceived control (Thoits, 2011; Weissberger and Bergman, 2025; Xia et al., 2025).”
From Mental health and psychosocial sequelae of fraud victimization: a systematic review (2026) · cites this paper as Xia et al., 2025
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Sun, J., & Gu, S. (2025) · Policing & Society · doi:10.1080/10439463.2025.2548237 · Cited by 5 · see citing works
Mental health and psychosocial sequelae of fraud victimization: a systematic review
Bai, J., Ho, M.-H., Sung, H.-T., Hung, C.-S., & Tsai, J.-H. (2026) · Frontiers in Psychology · doi:10.3389/fpsyg.2026.1805536 · Cited by 4 · see citing works
“…in Table 2 indicates that fraud victimization is associated with diminished generalized trust, heightened suspicion, and perceived loss of social safety, contributing to broader disruptions in social functioning and perceived control (Thoits, 2011; Weissberger and Bergman, 2025; Xia et al., 2025).”
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- Authors
- Xia, Y., Xu, S., Tan, S., Tan, J., & Huang, L.
- Affiliations
- Southwestern University of Finance and Economics (CN)
- China University of Political Science and Law (CN)
- Leiden University (NL)
- Southwestern University of Finance and Economics
- Corresponding author
- Huang, Lideng
- ORCID
- Xia, Yiwei
- Venue
- Victims & Offenders
- Publisher
- Informa UK Limited
- Published
- 2025-02-20
- Volume
- 20
- Issue
- 5-6
- Pages
- 1104-1122
- ISSN
- 1556-4886 (ISSN-L)
- 1556-4991
- OpenAlex
- W4407773667
- Cited by
- 5
- References
- 71
- Citations by year
- 2026: 2 · 2025: 3
- FWCI
- 8.71
- Type
- journal article
- Language
- en
- Open access
- closed
- Locations
- Victims & Offenders (publishedVersion)
- Funders
- Fundamental Research Funds for the Central Universities (JBK2406082)
- Sichuan Provincial Philosophy and Social Science Foundation Project (SCJJ24ND325)
- Topics
- Social Sciences › Sociology and Political Science › Crime Patterns and Interventions
- Social Sciences › Law › Criminal Justice and Penology
- Physical Sciences › Computer Science › Information Systems › Cybercrime and Law Enforcement Studies
- Keywords
- fraud victimization, generalized trust, trust repair, property crime, crime victimization, trust erosion, China, social trust, reinforcement learning
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