国内汇款对家庭使用银行服务的影响:来自越南的证据

IF 2.3 Q2 ECONOMICS
Thu Thi Nguyen, Hung M. Le, L. Hoi, H. Pham
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引用次数: 1

摘要

目的:本研究估计国内移民汇款对越南家庭使用银行服务的影响。设计/方法/方法本研究使用越南家庭生活水平调查和两阶段最小二乘法(2SLS)的数据。结果表明,接受国内汇款增加了家庭拥有银行账户和使用银行卡服务的可能性。然而,这些影响在农村和城市地区是不同的。本研究的结果揭示了国内汇款在增加家庭使用银行服务的可能性方面的有益作用,从而增强了越南的金融包容性。独创性/价值与以往的研究不同,本文的目的是分析内部汇款对越南家庭层面银行服务使用的影响。本文的研究对象是内部移民,因为它是越南的主要移民类型。此外,据作者所知,本研究是第一个比较国内汇款对越南农村和城市家庭使用银行服务的作用的研究。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Impact of internal remittance on households' use of bank services: evidence from Vietnam
PurposeThis study estimates impact of remittances from internal migration on households' use of bank services in Vietnam.Design/methodology/approachThis study uses data from the Vietnam Household Living Standards Survey and the two-stage least squares method (2SLS).FindingsThe results show that receiving internal remittance increases households' probability of having bank accounts and using card services. However, these impacts are different between rural and urban areas.Research limitations/implicationsThe results of this study reveal the useful role of internal remittance in increasing the probability of households using bank services, thereby enhancing financial inclusion in Vietnam.Originality/valueDifferent from the previous studies, the purpose of this paper is to analyse the impact of internal remittance on the use of bank services in Vietnam at the household level. This paper targets internal migration because it is the main type of migration in Vietnam. Besides, to the best of the authors’ knowledge, this research is the first one that compares the role of internal remittance on households' use of bank services in rural and urban areas in Vietnam.
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来源期刊
Journal of Economics, Finance and Administrative Science
Journal of Economics, Finance and Administrative Science Economics, Econometrics and Finance-Economics, Econometrics and Finance (all)
CiteScore
5.10
自引率
20.80%
发文量
23
审稿时长
12 weeks
期刊介绍: The Universidad ESAN, with more than 50 years of experience in the higher education field and post graduate studies, desires to contribute to the academic community with the most outstanding pieces of research. We gratefully welcome suggestions and contributions from business areas such as operations, supply chain, economics, finance and administration. We publish twice a year, six articles for each issue.
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