伊斯兰金融的法和经济学分析

发布时间：2018-03-05 01:17

本文选题：伊斯兰道德经济学　切入点：伊斯兰金融　出处：《学术交流》2014年08期 　论文类型：期刊论文

【摘要】：伊斯兰道德经济学要求伊斯兰银行与金融投资机构在实施经济和金融活动中必须体现伊斯兰信仰和社会正义原则,必须全面评估其行为所产生的社会正面和负面影响,由此伊斯兰道德经济学构成了伊斯兰银行与金融投资机构运作的基石。伊斯兰道德经济学认为利己心对个人来说是一种不可或缺的激励因素,但是伊斯兰道德经济学提出可以通过"道德过滤器"的治理机制来进行经济和金融的决策。根据沙里尔规则,财产的所有权应当遵循一定的道德底限,行使所有权应当符合道德的目标和手段。伊斯兰道德经济学进一步把市场制度化为一种在经济环境中进行交易的制度框架,市场机制也得到了道德的过滤,伴随着个人效用和利润最大化动机的实现,社会的最优性也得到了实现。伊斯兰道德经济学所倡导的现代金融发展建议包括:禁止利息和利息带来的固定收益,利益共享与风险共担,金融制度安排之中应当嵌入实体经济。
[Abstract]:The Islamic moral economy requires Islamic banks and financial investment institutions to embody Islamic faith and the principles of social justice in the implementation of their economic and financial activities and to comprehensively assess the social positive and negative effects of their actions, As a result, Islamic moral economics forms the cornerstone of the functioning of Islamic banks and financial investment institutions. Islamic moral economics considers selfishness to be an indispensable incentive for individuals. But Islamic moral economics suggests that economic and financial decisions can be made through a "moral filter" governance mechanism. According to the Shahrir rule, ownership of property should follow a certain moral threshold. The exercise of ownership should be in conformity with ethical objectives and means. Islamic moral economics has further transformed the market system into an institutional framework for transactions in the economic environment, and market mechanisms have been morally filtered, Along with the realization of individual utility and profit maximization motivation, social optimality has also been achieved. Islamic moral Economics advocates modern financial development proposals, including banning interest and fixed income from interest. Benefit sharing and risk sharing should be embedded in the real economy.
【作者单位】：云南大学法学院;
【基金】：2011-2016年中国人民大学科学研究基金研究品牌计划(中央高校基本科研业务费专项资金资助)“中国宗教事务法制化战略与管理创新研究:现状调查、目标模式与行动方案”(11XNI016)
【分类号】：D90-059

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