Finance Assignment代写 道德银行

2016-12-14 07:52

Finance Assignment代写 道德银行

伊斯兰经济鼓励为利润做生意和工作，禁止虚拟交易，赌博和其他盈利行为与思辨。根据伊斯兰法律，伊斯兰金融产品和金融服务业需要坚持使用实物资产的交易规则。这也是为什么它可以规避风险，在金融危机的经济泡沫（Hidayat和rafeea，2014）。Islamic银行也被称为“道德银行。在公平贸易和公平的商业道德伊斯兰法的焦点（Duska，2000）。伊斯兰金融是基于道德和慈善行为与伊斯兰法律，伊斯兰银行寻找客户和银行利润最大化（阿布，1994）。

伊斯兰金融还专注合作。为了建立成功和可持续发展的银行业，它需要整合传统的银行效率、职业和道德（阿卜杜勒，2009）。伊斯兰金融以真正的资产为基础，不仅为货币交易，也让金钱成为交易的目标，当金融危机给世界带来可怕的时候，人们指责资本主义缺乏道德，认为失败的原因是连接贪婪的资本家和银行家。为了减少经济危机的负荷，美国雷曼兄弟通过坏账很多中东伊斯兰国家的一些银行。它显示的缺点传统的财务表现出自私和在市场上的一些商业企业不道德。

2008的经济危机导致了世界的严重灾难，但伊斯兰金融在这场危机中依然出现，由于道德状况和真正的资产交易，伊斯兰银行在2008财年有盈余。2008，有超过614的伊斯兰金融机构在全球范围内，操作和控制超过6000亿美元的资产（Zaman，2009）。伊朗使用的无息银行系统严格的伊斯兰银行体系中有1983人不依靠西方银行。由于伊斯兰银行体系，快乐的伊朗银行成为最富有的伊斯兰世界的银行，它有5000亿的资本和收入超过5亿4000万美元时遭受2008次金融危机（目前研究表明，2008）。

伊斯兰金融贯穿于伊斯兰教，这是现代金融体系的一种特殊的方式。它专注于道德风险和利润，所以它可以避免风险和遭受财务风险。伊斯兰金融的优势是提供长期投资，促进经济发展。它支付  关注社会责任和社会公平。

Finance Assignment代写 道德银行

Islamic economy encourages to do business and work for profit, prohibit fictitious transaction, gamble and other earning behavior with speculativeness. According to the Islamic law, the Islamic financial products and financial services which need to insist using real assets of trading regulation. It is also the reason why it can avoid risk and economical bubble in financial crisis(Hidayat and Rafeea, 2014).Islamic banks are also called moral banks.Islamic law focus on fair trade and justicial business ethics(Duska, 2000). Islamic finance is based on moral and charity behavior which connected to Islamic law, so Islamic banks seek the maximum profit for customers and banks(Abu, 1994).
 
Islamic finance also focus on co-operation. In order to establish successes and sustainability of banking development, it need to integrate traditional banking efficiency, profession and morality(Abdul,2009). Islamic finance use the true asset as the base, not only trades for money, but also let money become the goal of trading.When the financial crisis brought terrible to the world, people blamed the capitalism lacks morality and thought the fail reason is connected to greedy capitalists and bankers. In to order to reduce the load of economic crisis, United States Lehman Brothers pass lots of bad debt to some banks of the Middle East Islam countries.It shows the disadvantage of traditional finance which shows the selfishness and immorality of some commercial companies in the market.
 
The economic crisis in 2008 cause a serious disaster in the world, but Islamic finance still stands up in this crisis.Thanks to moral condition and true asset trading, Islamic banks have a surplus in the fiscal year of 2008. In 2008, there are over 614 Islamic financial institutions globally and it operate and control over $600 billion asset(Zaman, 2009).Iran used the no interest banking system strictly as Islamic banking system in 1983 who do not rely on western banking. Because of Islamic banking system, Merry bank of Iran has become the richest bank in Islamic world, it has 500 billion capital and earned more than $540 million when it suffered from the 2008 financial crisis(Bonato, 2008).
 
Islamic finance runs through Islamism, which is a special mode in modern financial system. It focus on morality to share risk and profit, so it can avoid risk and suffer from financial risk. The advantage of Islamic finance is providing long term investment and promote economy development. It pay attention to social responsibility and social fairness.

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