Remittances and Banking Sector Breadth and Depth : Evidence from Mexico
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Despite the rising volume of remittances
flowing to developing countries, their impact on banking
sector breadth and depth in recipient countries has been
largely unexplored. The authors examine this topic using
municipio-level data on the fraction of households that
receive remittances and on measures of banking breadth and
depth for Mexico. They find that remittances are strongly
associated with greater banking breadth and depth,
increasing the number of branches and accounts per capita
and the ratio of deposits to gross domestic product. These
effects are significant both statistically and economically,
even after conducting robustness tests and addressing the
potential endogeneity of remittances.
Palabras clave
ACCOUNT HOLDERS, ADMINISTRATIVE COST, AVERAGE BALANCE, AVERAGE EARNINGS, BALANCE OF PAYMENTS, BANK ACCOUNTS, BANK BRANCH, BANK BRANCHES, BANK CREDIT, BANK DEPOSITS, BANK POLICY, BANKING PRODUCTS, BANKING SECTOR, BANKING SECTOR DEVELOPMENT, BANKING SERVICES, BANKS, BIASES, BRACERO, CALCULATIONS, CHILD HEALTH, COMMERCIAL BANK, COMMERCIAL BANK BRANCHES, COMMERCIAL BANKING, COMMERCIAL BANKS, COUNTRIES OF ORIGIN, CREDIT LEVELS, CREDITS, DEMAND FOR CREDIT, DEMAND FOR SERVICES, DEPOSIT, DEPOSIT ACCOUNTS, DEPOSIT VOLUME, DEPOSITS, DEVELOPING COUNTRIES, DEVELOPMENT BANK, DUMMY VARIABLE, DURABLE, DURABLE GOODS, EARNINGS, ECONOMIC ACTIVITY, ECONOMIC DEVELOPMENT, ECONOMIC GROWTH, ECONOMIC IMPLICATIONS, EDUCATION LEVEL, EDUCATION LEVELS, EDUCATIONAL ATTAINMENT, ELECTRONIC TRANSFERS, EMPLOYMENT, ENTREPRENEURSHIP, EXCLUSION, EXPENDITURE, EXPENDITURES, FAMILY MEMBERS, FEE INCOME, FEE REVENUE, FINANCIAL DEVELOPMENT, FINANCIAL INSTITUTIONS, FINANCIAL INTERMEDIATION, FINANCIAL MARKETS, FINANCIAL SECTOR, FINANCIAL SERVICES, FINANCIAL SERVICES TO INDIVIDUALS, FINANCIAL SYSTEM, FINANCIAL SYSTEMS, FIXED COST, FIXED COSTS, FUTURES, GLOBALIZATION, GROSS DOMESTIC PRODUCT, HOUSEHOLD SURVEYS, HOUSEHOLDS, HOUSING, IMPACT OF MIGRATION, INCOME DISTRIBUTION, INCOME LEVELS, INCOMES, INEQUALITY, INFANT, INFANT MORTALITY, INFORMATION CAMPAIGNS, INSTRUMENT, INTEREST RATE, INTEREST RATE SPREAD, INTERNATIONAL BANK, INVESTING, INVESTMENT FUND, LABOR FORCE, LABOR FORCE PARTICIPATION, LABOR MARKET, LACK OF DEVELOPMENT, LARGE CITIES, LARGE FIRMS, LIQUIDITY, LOAN, LOANABLE FUNDS, LONG-TERM SAVINGS, MICROENTERPRISES, MIGRANT, MIGRANT REMITTANCES, MIGRANTS, MIGRATION, MIGRATION FLOWS, MONEY TRANSFER, NATIONAL LEVEL, NUMBER OF HOUSEHOLDS, OPERATING COSTS, OTHER ASSETS, OUTREACH, POLICY RESEARCH, POLICY RESEARCH WORKING PAPER, POPULATION CENSUS, POPULATION DENSITY, POVERTY LEVELS, PROFITABILITY, PROGRESS, PURCHASES, PURCHASING POWER, QUESTIONNAIRE, REAL ESTATE, RECEIPT, RECEIPTS, RECIPIENT COUNTRIES, REGULATORY AUTHORITY, REMITTANCE, REMITTANCES, RENTS, RESEARCH ASSISTANCE, RESPECT, RETURN, RETURNS, RURAL BANKS, RURAL COMMUNITIES, RURAL POPULATION, RURAL POPULATIONS, SAVINGS, SMALL ENTERPRISES, SMALL-SCALE ENTERPRISES, SOCIAL BANKING, SOURCE OF CREDIT, SOURCE OF INCOME, SOURCES OF INCOME, SUPERVISORY AGENCY, TRANSACTION, TRANSACTION COSTS, TRANSACTION FEES, TRANSPORT, TRANSPORTATION, TRANSPORTATION INFRASTRUCTURE, UNION, URBAN AREAS, WAGES, WAR, WIRE TRANSFERS