1、第 页 1 中文 1800 字， 790 单词， 4300 英文字符 毕业论文英文文献翻译 学生姓名 : 系 别 : 专 业 : 年 级 : 学 号 : 指导教师 : 第 页 2 BANKING ON REMITTANCES: AN ANALYSIS OF MEXICAN MIGRANTSBANKING AND REMITTANCE SENDING BEHAVIOR IN THE UNITED STATES Evan E. Welty, B.A. Thesis Advisor: Gillette Hall, Ph.D. It is widely held that formal banking
2、 offers many benefits for account holders. For migrants, the relationship between banking status and remittance sending is further assumed to be positive. In this analysis of Mexican migrants banking and remittance sending behavior in the United States, it is observed that migrants with bank account
3、s are likely to remit less frequently than migrants without accounts. This finding appears to contradict the optimistic idea that having a bank account would contribute to more frequent remittance sending； income smoothing benefits for remittance receivers in Mexico； and personal finance benefits fo
4、r both the sender and receiver associated with the financial institution. The study concludes that while remittance sending through U.S. banks holds tremendous promise for delivering the aforementioned benefits, banks are failing to deliver competitive offerings to customers that would promote sendi
5、ng through their channels. A second model finds that unbanked Mexican migrants who desire to open a bank account are likely to remit more frequently than unbanked migrants not interested in opening a bank account, confirming that there is a large market of remittance senders interested in the formal
6、 financial system, but yet to be tapped by U.S. banks. While remitting has many positive effects, these are mitigated when remittershave to adjust the amount sent depending on the costs of the actual transfer. Unfavorable currency conversions and fees at the sending and receiving ends can significantly shrink a sum sent home. Most often remitters send money through wire transfer companies like Western Union or MoneyGram, followed by international mone
