The Importance of Shari’Ah Supervision in Islamic Financial Institutions
The Importance of Shari’Ah Supervision in Islamic Financial Institutions
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伊斯兰教法监管对伊斯兰金融机构的重要性
DOI：
10.22495/cocv3i3c1p5
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发表时间：
2006
期刊：
影响因子：
--
通讯作者：
H. Rammal
中科院分区：
文献类型：
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作者：
H. Rammal
伊斯兰融资与传统融资的不同之处在于，它禁止支付或收取利息。无息融资的概念在伊斯兰教出现之前就存在了，并在古代阿拉伯得到了接受。这一概念于20世纪70年代由伊斯兰国家组织正式提出，并在大多数穆斯林国家和一些非穆斯林国家引入。但是，尽管经历了惊人的增长速度，伊斯兰金融体系一直受到批评，称其未能在行动中融入伊斯兰教法的真正精神。伊斯兰金融机构对哪些产品被认为是清真的解释也存在分歧(根据伊斯兰法律可以接受)。为了解决其中一些问题，与伊斯兰产品打交道的金融机构必须利用伊斯兰教法顾问或伊斯兰教法监督委员会(SSB)的服务。白皮书建议穆斯林国家的中央银行和监管机构之间加强合作。
Islamic financing differs from conventional financing in that it prohibits the payment or receipt of interest. The concept of interest-free financing existed prior to the advent of Islam and was embraced in ancient Arabia. The concept was officially launched in the 1970’s by the Organization of Islamic Countries (OIC) and introduced in most Muslim nations and some Non-Muslim nations. But while it has experienced phenomenal growth rate, the Islamic financial system has been criticized for failing to incorporate the true spirit of Shari’ah in their actions. Islamic financial institutions are also divided over the interpretation of which products are considered halal (acceptable under Islamic law). In order to overcome some of these issues, financial institutions dealing with Islamic products are required to utilize the services of a Shari’ah adviser or a Shari’ah Supervisory Board (SSB). The paper recommends a more collaborative effort between the central banks of Muslim nations and regulatory organizations.