What can we learn about financial access from U.S. immigrants? : the role of country of origin institutions and immigrant beliefs
What can we learn about financial access from U.S. immigrants? : the role of country of origin institutions and immigrant beliefs
复制标题
我们可以从美国移民的财务获取方面了解到什么？
DOI：
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发表时间：
2008
期刊：
影响因子：
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通讯作者：
anna. paulson
中科院分区：
文献类型：
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作者：
Una O Osili;anna. paulson
与其他移民相比，来自拥有更有效制度的国家的移民更有可能与银行建立关系，并更广泛地利用正规金融市场。有证据表明，一个国家的制度环境会影响信念，进而影响金融服务的使用，这为注重促进金融准入的制度改革的政策提供了支持。在保持财富、教育和其他因素不变的情况下，原籍国制度质量的影响会影响所有移民群体的金融市场参与，但在美国居住超过28年的移民群体除外。这些发现对于制度有效性的替代措施、对其他原籍国特征的控制以及解决移民自我选择引起的潜在偏见的各种方法都是强有力的。
Immigrants from countries with more effective institutions are more likely than other immigrants to have a relationship with a bank and to use formal financial markets more extensively. The evidence that a country's institutional environment shapes beliefs and by extension the use of financial services provides support for policies that focus on institutional reforms in promoting financial access. After holding wealth, education, and other factors constant, the impact of institutional quality in the country of origin affects the financial market participation of all immigrant groups except those who have lived in the United States for more than 28 years. These findings are robust to alternative measures of institutional effectiveness, to controlling for additional country of origin characteristics, and to various methods for addressing potential biases caused by immigrant self-selection.