CAJ | 학술논문

近年来，伊斯兰银行发展迅速，并在金融危机愈演愈烈的情况下经营稳定，它与传统商业银行业务最大的区别是禁止利息。本文通过剖析伊斯兰银行无息贷款与商业银行有息贷款运作的特点，运用熵权法对它们之间的绩效进行分析比较，结果表明伊斯兰银行的经营效益显然低于传统商业银行。本文在结论中指出了伊斯兰银行无息运作机制的弊端，分析了其存在和发展的合理性，并提出其对我国银行业发展的借鉴意义。
근년래，이사란은행발전신속，병재금융위궤유연유렬적정황하경영은정，타여전통상업은행업무최대적구별시금지이식。본문통과부석이사란은행무식대관여상업은행유식대관운작적특점，운용적권법대타문지간적적효진행분석비교，결과표명이사란은행적경영효익현연저우전통상업은행。본문재결론중지출료이사란은행무식운작궤제적폐단，분석료기존재화발전적합이성，병제출기대아국은행업발전적차감의의。
In recent years, the Islamic Bank features rapid development and stable performance under the increasingly intense financial crisis. The most distinctive feature of the Islamic Bank is the prohibition of interest charging. Thus by a comparison of no-interest loan transactions in the Islamic Bank and conventional loan transactions, this paper intends to appraise the difference in banking performance with the entropy method, and eventually finds that the Islamic Bank generates much lower operating benefits than the traditional commercial banks. In the conclusion, the paper points out the drawbacks of no-interest loan transactions as well as illustrates its social functions and future development, serving as a reference to China＇s improvement of her banking development.