Essay代写：Islamic financial law－r51due

下面为大家整理一篇优秀的essay代写范文- Islamic financial law，供大家参考学习，这篇论文讨论了伊斯兰的金融法。伊斯兰金融是以伊斯兰教规为基础的伊斯兰金融法规制下的金融模式，拥有更强的责任机制、稳健的财务政策和透明度，其利润共享、风险共担的业务经营模式也更安全。伊斯兰金融体系考虑了立足当地的伊斯兰文化和宗教环境，引入伊斯兰金融模式和国外的伊斯兰金融资金，这样一个伊斯兰文化占主流地位的民族地区经济建设提供资金融通支持。

Our nation of Islam has a large population, so we need to adapt to local conditions and build a financial system that can provide local special financial services and products, so as to better serve local economic construction. Islamic finance is a financial model under Islamic financial laws and regulations based on Islamic rules. It has stronger responsibility mechanism, sound financial policies and transparency, and its business operation mode of profit sharing and risk sharing is more secure. The Islamic financial system takes into account the local Islamic culture and religious environment, and introduces the Islamic financial model and foreign Islamic financial funds, so as to provide financial financing support for the economic construction of a national region where Islamic culture occupies the mainstream.

In Islamic society, the financial industry, like industry and commerce, must abide by Islamic financial law based on the teachings and teachings of the quran. Islamic financial law is the application of the principles of Islamic rules in the field of finance, which is mainly composed of the legal interpretation and judgment made by Islamic jurists.

The basic norms of Islamic financial law include a series of prohibitions, the most important of which is the ban on Riba, including interest. In sharia law, riba means an extra appendage. This amount, no matter how small, is greater than the principal of the loan or debt. Islamic financial law holds that money is a vehicle for financing, not an independent commodity itself, and that charging interest on debt is a riba and is not justified. Another important prohibition norm in Islamic business and finance is the ban on Gharar practices such as gambling, speculation and transactions with uncertain outcomes. Of course, Islamic financial law also acknowledges that it is impossible to accurately predict future profits or losses of transactions.

Islamic financial law forbids interest but allows profit. In real financial activities, there are many traditional contracts that are widely used to conduct financial business. Islamic financial institutions also provide liquidity financing for clients. However, in order to avoid interest, they used the traditional form of deferred transaction contracts to arrange financing, which mainly included delayed payment of price contracts and delayed delivery contracts. In a deferred payment contract, if the customer needs to finance the purchase of an asset, he will ask the bank to purchase a specific asset. After the bank's gains, the customer buys the asset from the bank at this increased price, except that the customer needs to pay the price after a certain period. This type of debt financing is permitted by Islamic rules and is the mainstream method of Islamic financing today. Another form of Islamic financing is deferred delivery contracts. In this form of financing, the bank agrees to pay the negotiated price of a certain amount of goods in advance, while the customer delivers the goods at a certain date in the future. Of course, compared with the previous financing method of delayed payment contract, the bank is more risky. Under no third-party guarantee, Islamic bank seldom participates in the Salam contract. Islamic finance also USES deferred delivery contracts for both goods and payments, including Ijara and Istisna.

In Islamic finance, in addition to conducting financial business through the aforementioned sales contract, Islamic financial institutions often use two Islamic partnership contracts in their business to provide financing services to their clients, namely, mudabala and musalaka. In mudambarra, financial institutions provide funds for enterprises to operate on the condition that profits generated from the operation are Shared in proportion to the agreed proportion, and all economic losses are borne by the fund providers, while the enterprises bear the costs in terms of time and energy. Musalaka means partnership, which operates in the same way as a partnership in a secular society. In Islamic finance, however, the mushara is divided into permanent mushara and decreasing mushara to meet the needs of financial business. In permanent musala CARDS, financial institutions hold a percentage of shares and share the profits on a pro-rata basis each year; In decreasing mularaca, the proportion of the financial institution's equity in the partnership business is gradually transferred to the client as a partner, and ultimately the client has full ownership of the business.

The rules of Islamic financial law, particularly prohibitory norms, are based on the aim of maintaining the moral purity of business transactions. Therefore, if Islamic finance is carried out in ordinary financial institutions, it should be noted that the funds of Islamic financial business should not be mixed with those of non-Islamic financial business, which is a bit similar to the non-halal food that cannot be sold in a halal canteen.

Therefore, in order to assure Islamic customers that their Islamic financial services and products do comply with Islamic rules, Banks that intend to operate Islamic financial services must be transparent, and Muslim customers should be assured that Islamic financial funds will not be mixed with funds that do not mix with ordinary financial services and products. Therefore, in terms of business, financial institutions are required to separate ordinary financial business from Islamic financial business and set up special service counters, accounts and fund custody system for Islamic finance.

Economic development in the west, where ethnic Islam abounds, makes no doubt that a sound financial system is needed and that attracting healthy foreign investment is important. For Islamic and western region's economic development in national regions, the construction of the financial system and the introduction of foreign investment on the one hand, want to consider the lessons of the financial crisis and enlightenment, but also faces the special national conditions, how can you have the local characteristics, in order to better adapt to due to the local special ethnic composition of the special demand for financial services and products, better serve the local economic construction. Islamic finance has been growing rapidly in recent years. In addition to the large amount of oil dollars that can be invested abroad, this financial model under Islamic financial law based on Islamic rules has stronger responsibility mechanism, sound financial policies and transparency, and its business operation model is intrinsically safer. Therefore, in the construction of Islamic national regions, Islamic financial models and foreign Islamic financial funds can be introduced to provide financial financing services for the economic construction of such a region where Islamic culture occupies the mainstream. To introduce Islamic finance, we need to be familiar with the Islamic financial law that regulates this financial mode, and we need to build a complete financial supporting system and facilities, though not huge. For this financial model, which is still a new thing in China, the development strategy of gradual development and transition can be adopted to gradually improve the construction of the system step by step.

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