中国发展伊斯兰金融问题研究

发布时间：2018-01-15 13:34

本文关键词：中国发展伊斯兰金融问题研究　出处：《中央民族大学》2013年硕士论文　论文类型：学位论文

【摘要】：伊斯兰金融是指建立在《古兰经》、“圣训”、伊斯兰教法的经济金融思想理论基础上,和国际传统金融制度相调和的过程中形成的,用于为遵循伊斯兰教规范处理金融事务的人们而服务的独具特色的金融体系。现代伊斯兰金融伴随着伊斯兰国家追求政治经济独立的进程而产生,在伊斯兰复兴运动和大量石油美元流入的推动下得到迅猛发展,为了应对日益加强的金融全球化趋势和满足自身进一步发展的需要开启了国际化进程。在2008年美国“次贷危机”的影响下,国际传统金融业遭受沉重打击。而伊斯兰金融以其风险共担、利润共享的理念和注重道德、以实物资产为基础、禁止投机等原则较好的规避了次贷风险,逆势而涨,表现出了强大的活力和旺盛的生命力。面对着伊斯兰世界雄厚的金融资本和丰富的石油资源,世界各国纷纷开展伊斯兰金融业务,对伊斯兰世界巨大的金融市场展开了激烈的争夺。当今中国政治稳定、经济发展迅速,投资环境优越,还拥有三千多万穆斯林群众的庞大市场和人文优势,加之国际金融中心——中国香港健全的金融法规、完善的金融基础设施、发达的金融市场,这都为伊斯兰金融在我国的发展奠定了良好的基础。并且我国正处于全面建成小康社会的关键时期和深化改革开放的攻坚时期。积极发展伊斯兰金融,对于健全我国金融体系,促进金融业健康发展；加强国际经贸合作,提升招商引资能力；推动民族地区经济发展,维护民族团结和谐等方面都有着重大意义。本文对伊斯兰金融的内涵、思想理论、发展历程、产品业务、运营管理进行了详细的介绍。在此基础上,客观的阐述了发展伊斯兰金融对促进我国经济金融发展的积极意义,以及其对维护我国金融安全与稳定所带来的挑战。并结合我国具体国情,对我国伊斯兰金融发展的优势、劣势和国际环境进行了理性分析。进而在学习和借鉴世界各国伊斯兰金融发展模式,总结香港、宁夏伊斯兰金融试点的经验和教训的基础上,对我国伊斯兰金融的发展做出了详尽的路径规划。最后,分别在政府支持、风险监管、人才培养、经营管理、产品创新以及与传统金融的协调等方面,为我国伊斯兰金融的发展提出了对策建议。以期为我国发展伊斯兰金融起到知识普及、项目评估、发展规划、对策建议的作用。
[Abstract]:Islamic finance is based on the economic and financial theory of the Koran, the Holy admonition and Shariah, and is formed in the process of reconciling with the traditional international financial system. A unique financial system used to serve people who follow Islamic norms in handling financial affairs. Modern Islamic finance has come into being along with the process of pursuing political and economic independence in Islamic countries. Driven by the Islamic Revival Movement and a large inflow of petrodollars, the process of internationalization was launched in order to cope with the increasing trend of financial globalization and to meet the needs of its own further development. In 2008, under the influence of the "subprime mortgage crisis" in the United States, the international traditional financial industry suffered a heavy blow, while Islamic finance was based on the concept of shared risk, profit sharing and morality, and was based on real assets. The prohibition of speculation and other principles better circumvent the subprime mortgage risk, rise against the trend, showing a strong vitality and vitality. Facing the Islamic world rich financial capital and rich oil resources. Various countries all over the world carry out Islamic financial business one after another, have launched fierce competition to the huge financial market of Islamic world. Today, China enjoys political stability, rapid economic development, a favorable investment environment, a huge market and cultural advantages of more than 30 million Muslim people, and a sound financial regulation in Hong Kong, an international financial center. Perfect financial infrastructure, developed financial markets. All these have laid a good foundation for the development of Islamic finance in our country, and our country is in the key period of building a well-off society in an all-round way and the period of deepening reform and opening to the outside world. To perfect the financial system of our country and promote the healthy development of the financial industry; Strengthen international economic and trade cooperation, enhance the ability to attract investment; It is of great significance to promote the economic development of ethnic areas and maintain national unity and harmony. This paper introduces the connotation, theory, development course, product business and operation management of Islamic finance in detail. This paper objectively expounds the positive significance of developing Islamic finance to promote the economic and financial development of our country, and the challenges it brings to the maintenance of financial security and stability of our country, and combines with the specific conditions of our country. This paper makes a rational analysis of the strengths, weaknesses and international environment of the development of Islamic finance in China, and sums up Hong Kong by studying and drawing lessons from the development models of Islamic finance in various countries of the world. On the basis of the experience and lessons of Ningxia Islamic finance pilot project, this paper makes a detailed path planning for the development of Islamic finance in China. Finally, it separately in the government support, risk supervision, talent training, management and management. In the aspects of product innovation and coordination with traditional finance, this paper puts forward some countermeasures and suggestions for the development of Islamic finance in China, with a view to popularizing knowledge, evaluating projects and planning development for the development of Islamic finance in China. The role of countermeasures and suggestions.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7

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