The paper uses a unique survey of remittance-receiving individuals from Tajikistan to study the impact of policy awareness on consumer behavior. The results show that knowledge of deposit insurance encourages the use of formal channels for transmitting remittances and reduces dollarization. Given the size and importance of remittances in Tajikistan, improving financial literacy and better publicizing details of the social safety net may encourage a more frequent use of formal channels for transferring remittances and reduce reliance on foreign exchange for transaction purposes. This is likely to improve bank profitability, enhance financial stability, and improve access to finance.

中文翻译：

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存款保险，汇款和美元化：来自最高汇款国家的基于调查的证据

本文对塔吉克斯坦的汇款接收者进行了一次独特的调查，以研究政策意识对消费者行为的影响。结果表明，存款保险知识鼓励使用正规渠道进行汇款并减少美元化。鉴于塔吉克斯坦的汇款规模和重要性，提高金融知识和更好地宣传社会安全网的细节可能会鼓励更频繁地使用正规渠道进行汇款转移，并减少出于交易目的对外汇的依赖。这可能会提高银行的盈利能力，增强金融稳定性，并改善融资渠道。