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Impacto de las remesas sobre la inclusion financiera: el caso de Mexico

Author

Listed:
  • Rodrigo Carrillo

    (Universidad Iberoamericana, Ciudad de Mexico)

  • Pablo Cotler

    (Universidad Iberoamericana, Ciudad de Mexico)

Abstract

Con base en datos municipales de Mexico estudiamos si la recepcion de remesas tiene un efecto sobre la inclusion financiera y su infraestructura. Para ello, utilizamos datos de panel y varias medidas de inclusion financiera, consideramos a los bancos y a las instituciones no bancarias, y usamos instrumentos basados en registros de residentes mexicanos en Estados Unidos. Encontramos que las remesas reducen el numero de sucursales bancarias, pero aumentan el numero de oficinas de las instituciones financieras no bancarias y de corresponsales. Ademas, las remesas aumentan el numero de cuentas y de prestamos, con la excepcion de los hipotecarios que otorga la banca. Estos impactos son mayores en la region sur del pais, donde la pobreza y la exclusion financiera son mas frecuentes.

Suggested Citation

  • Rodrigo Carrillo & Pablo Cotler, 2021. "Impacto de las remesas sobre la inclusion financiera: el caso de Mexico," Sobre México. Revista de Economía, Sobre México. Temas en economía, vol. 2(4), pages 179-197.
    • Handle: RePEc:smx:journl:04:179:197
    as

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    References listed on IDEAS

    as
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    More about this item

    JEL classification:

    • F24 - International Economics - - International Factor Movements and International Business - - - Remittances
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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