特色金融創新服務樣態之研究

Abstract

全球金融體系隨著國際情勢演變,如國際原油價格飆漲、911 事件、全球金融風暴發生與穆斯林人口逐漸增多等事件,使得另一個原本在利基市場下之伊斯蘭金融體系日漸茁壯,其服務對象從穆斯林擴展到非穆斯林族群。伊斯蘭金融是個深具特殊性的金融體制,須在符合伊斯蘭律法給予的框架下運行,由於限制較多,且在不可收付利息之大原則下,使其相對於傳統金融所提供之服務更具安全性,讓全世界之國家與投資人對伊斯蘭金融之關注日益加深。 本研究藉由伊斯蘭金融之起源與運作制度來了解伊斯蘭金融服務之特色,再進一步將伊斯蘭金融分成伊斯蘭銀行市場、資本市場以及保險市場加以深入探討,以期對全球伊斯蘭金融之發展概況有較全面性之了解。此外,本研究選定英國與馬來西亞作為特定研究對象,透過分析特定國家發展伊斯蘭金融之策略模式,探討英國與馬來西亞境內之伊斯蘭金融在不同社會與宗教背景下之未來發展趨勢。

Islamic finance is a unique financial system which complies with stringent Islamic law, called Sharia. Sharia prohibits speculation and riba which is defined as interest paid between financial transactions. Because of these prohibitions, Islamic finance becomes stabler and safer than the Conventional financial system. As global economy and politics environment change dramatically, from 911 terrorist attack, crude oil price fluctuating to the Financial Crisis of 2008, Islamic finance has been moving forward from the nitch market to a mainstream market. In addition, the service target group of Islamic finance also expands from Muslim to non-Muslim, due to its stable attribute. Nowadays, Islamic finance is getting more attention from countries and investors worldwide. This research would focus on the introduction of Islamic finance attributes, including the origin of Islamic finance and how the system work. In order to make a comprehensive understanding of Islamic finance, the first part of this research would divide into three subparts which are Islamic bank market, Islamic capital market, and Islamic insurance market to discuss. In the next part of this research, it will focus on two selected countries, the UK and Malaysia. Through analyzing the development strategy of Islamic finance in two selected countries, it would be helpful for us to understand that how Islamic finance is carried out under two different social and religious backgrounds and the trend of Islamic finance future development.