Savings in Transnational Households: A Field Experiment among Migrants from El Salvador
通过随机实地实验，发现给予在美国的萨尔瓦多移民对其母国储蓄账户更多控制权能显著增加储蓄，且不影响汇款。
We implemented a randomized field experiment that tested ways to stimulate migrants’ savings in their origin country. We find that migrants value opportunities to exert greater control over financial activities in their home countries. We offered U.S.-based migrants bank accounts in El Salvador, randomly varying migrant control over El Salvador–based savings by offering different accounts across treatments. Migrants offered the greatest degree of control accumulated the most savings. Impacts likely represent increases in total savings; there is no evidence that savings increases were simply reallocated from other savings mechanisms. Enhanced control over home country savings does not affect remittances sent home. © 2015 The President and Fellows of Harvard College and the Massachusetts Institute of Technology