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U.S. Fed started a program with Mexico to enable money service businesses to send money to Mexico for a fixed cost of only 67 cents per transaction.
美國聯邦政府和墨西哥之間啟動了一個項目，使得匯款公司往墨西哥寄錢時只需要每筆67美分的手續費。
And yet, these faster, cheaper, better options can't be applied internationally because of the fear of money laundering,even though there is little data to support any connection, any significant connection between money laundering and these small remittance transactions.
但是這些更快，更便宜，更好的辦法，還不能在國際上通用，因為擔心被人利用來洗錢。雖然沒有什么數據證明這兩者之間有什么聯系，就是說洗錢和小額的移民匯款之間有什么聯系。
Many international banks now are wary of hosting bank accounts of money service businesses, especially those serving Somalia.
很多跨國銀行現在害怕擁有匯款公司的賬戶，特別是那些業務涉及到索馬里的公司。
Somalia, a country where the per capita income is only 250 dollars per year.
索馬里人均年收入才250美元。
Monthly remittances, on average, to Somalia is larger than that amount.
按月寄往索馬里的移民匯款平均都大于這個數。
Remittances are the lifeblood of Somalia.
移民匯款成了索馬里的血脈。
And yet, this is an example of the right hand giving a lot of aid,while the left hand is cutting the lifeblood to that economy, through regulations.
索馬里的情況就是個典型的例子，一方面右手給予很多援助，另一方面左手又通過各種條規切斷它的經濟血脈。
Then there is the case of poor people from villages, like me.
像我這樣來自鄉村的窮人還會遇到另一個問題。
In the villages, the only place where you can get money is through the post office.
在鄉村里，唯一能收到匯款的地方是郵局。
Most of the governments in the world have allowed their post offices to have exclusive partnerships with money transfer companies.
世界上多數國家的政府都允許郵局和某個匯款公司之間建立唯一的合作關系。
So, if I have to send money to my father in the village, I must send money through that particular money transfer company,even if the cost is high.
所以如果我要寄錢給鄉下的父親，我就必須得去特定的那一家匯款公司寄。即使它收費較高，
I cannot go to a cheaper option.
我也沒有其它的選擇。
This has to go.
這種情況必須要改變。
So, what can international organizations and social entrepreneurs do to reduce the cost of sending money home?
那么，國際組織和社會企業家們可以做些什么來降低寄錢回家的費用呢？
First, relax regulations on small remittances under 1,000 dollars.
首先，放寬關于一千美元以下的小額移民匯款的法規，
Governments should recognize that small remittances are not money laundering.
政府應該意識到，小額匯款不是洗錢。
Second, governments should abolish exclusive partnerships between their post office and the money transfer company.
第二，政府應該禁止郵局和某個匯款公司建立唯一的合作關系。
For that matter, between the post office and any national banking system that has a large network that serves the poor.
最好是禁止郵局和任何全國性的銀行系統之間建立這種關系，
In fact, they should promote competition,open up the partnership so that we will bring down costs like we did,like they did, in the telecommunications industry.
實際上，他們應該鼓勵競爭，開放合作伙伴，這樣就可以降低費用，就像電話業那樣。
You have seen what has happened there.
你們都知道電話業的情況了。
Third, large nonprofit philanthropic organizations should create a remittance platform on a nonprofit basis.
第三，大型非營利性組織應該在非營利的基礎上創建一個移民匯款平臺。
They should create a nonprofit remittance platform to serve the money transfer companies so that they can send money at a low cost,while complying with all the complex regulations all over the world.
他們應該創建一個非營利的移民匯款平臺來服務于匯款公司，使他們能降低寄錢的費用，同時還能不違反世界各地各種復雜的條規。
The development community should set a goal of reducing remittance costs to one percent from the current eight percent.
發展中的社區應該朝著將移民匯款費率從現在的8%降到1%的目標努力。
If we reduce costs to one percent,that would release a saving of 30 billion dollars per year.
如果我們能把費用降到1%，將每年省下300億美元。
Thirty billion dollars, that's larger than the entire bilateral aid budget going to Africa per year.
比每年給非洲的全部雙邊資助預算還多，
That is larger than, or almost similar to,the total aid budget of the United States government,the largest donor on the planet.
而且也比美國政府的全部援助預算還多，或著幾乎相當。這可是全球最大的捐助國。
Actually, the savings would be larger than that 30 billion because remittance channels are also used for aid, trade and investment purposes.
實際上，省下的還不止那三百億，因為移民匯款渠道還可以用于救援，貿易和投資。
Another major impediment to the flow of remittances reaching the family is the large and exorbitant and illegal cost of recruitment,fees that migrants pay, migrant workers pay to laborers who found them the job.
另一個嚴重阻礙移民匯款到達家人手中的因素，是高額的非法招工費。這些費是移民工人付給給他們找到工作的人的。
I was in Dubai a few years ago.
幾年前我去過迪拜
I visited a camp for workers.
我去了一個勞工的營地。
