Comparison on Stability between Islamic and Conventional Banks in Malaysia
Comparison on Stability between Islamic and Conventional Banks in Malaysia
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马来西亚伊斯兰银行与传统银行稳定性比较
DOI：
10.12816/0001618
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发表时间：
2013
期刊：
影响因子：
--
通讯作者：
R. Zakaria
中科院分区：
文献类型：
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作者：
Siti Rohaya Mat Rahim;R. Zakaria
伊斯兰银行在最近的金融危机中相对没有受到影响。这就提出了一种可能性，即根据伊斯兰原则运作的金融机构比传统金融机构更稳定。这促使我们着手研究伊斯兰银行与传统银行之间的相对稳定性。Z-score和NPL被用作银行稳定性的代理。Z-score和不良贷款的计算表明，平均而言，伊斯兰银行相对而言比传统银行更稳定。标准面板数据分析表明，除了收入多样化程度不同，影响伊斯兰银行和传统银行稳定性的因素是相似的。对伊斯兰银行来说，稳定不是收入多样化的一个功能，但对传统银行来说却是。这解释了为什么在最近的危机中，当各种银行收入来源受到不利影响时，伊斯兰银行与传统银行相比保持稳定。
Islamic banks were relatively unaffected during the recent financial meltdown. This has raised the possibility that financial institutions, operating on Islamic principles are more stable compared to their conventional counterparts. This motivates us to undertake to examine relative stability between Islamic and conventional banks. Z-score and NPL are used as proxies for bank stability. Computation of Z-score and NPL suggest that on average Islamic banks are relatively more stable than their conventional counterparts. Standard panel data analysis suggests that factors affecting both Islamic and conventional banks stability are similar, except for the degree of diversification in income. Stability is not a function of income diversification for Islamic banks but it is in the case of conventional banks. This explained why during recent crisis, when various sources of bank income was adversely affected, Islamic banks remained stable as opposed to the conventional banks.