CAJ | 학술논문

伊斯兰道德经济学要求伊斯兰银行与金融投资机构在实施经济和金融活动中必须体现伊斯兰信仰和社会正义原则，必须全面评估其行为所产生的社会正面和负面影响，由此伊斯兰道德经济学构成了伊斯兰银行与金融投资机构运作的基石。伊斯兰道德经济学认为利己心对个人来说是一种不可或缺的激励因素，但是伊斯兰道德经济学提出可以通过“道德过滤器”的治理机制来进行经济和金融的决策。根据沙里尔规则，财产的所有权应当遵循一定的道德底限，行使所有权应当符合道德的目标和手段。伊斯兰道德经济学进一步把市场制度化为一种在经济环境中进行交易的制度框架，市场机制也得到了道德的过滤，伴随着个人效用和利润最大化动机的实现，社会的最优性也得到了实现。伊斯兰道德经济学所倡导的现代金融发展建议包括：禁止利息和利息带来的固定收益，利益共享与风险共担，金融制度安排之中应当嵌入实体经济。
이사란도덕경제학요구이사란은행여금융투자궤구재실시경제화금융활동중필수체현이사란신앙화사회정의원칙，필수전면평고기행위소산생적사회정면화부면영향，유차이사란도덕경제학구성료이사란은행여금융투자궤구운작적기석。이사란도덕경제학인위이기심대개인래설시일충불가혹결적격려인소，단시이사란도덕경제학제출가이통과“도덕과려기”적치리궤제래진행경제화금융적결책。근거사리이규칙，재산적소유권응당준순일정적도덕저한，행사소유권응당부합도덕적목표화수단。이사란도덕경제학진일보파시장제도화위일충재경제배경중진행교역적제도광가，시장궤제야득도료도덕적과려，반수착개인효용화리윤최대화동궤적실현，사회적최우성야득도료실현。이사란도덕경제학소창도적현대금융발전건의포괄：금지이식화이식대래적고정수익，이익공향여풍험공담，금융제도안배지중응당감입실체경제。
In Islamic moral economics,Islamic banks and financial investment agents are required to follom Islamic faith and principle of social justice in their economic and financial activities,and should evaluate the pro and con of such behaviors,and consequently Islamic moral economics forms the cornerstone of Islamic banks and their financial investment operation. The economics holds that self-interest is an essential incen-tive for individuals and economic and financial decisions can be made by the governance mechanism like“moral filters”. According to sheryl rules,property omnership should follom certain bottom line of morals,and it conducts under moral goals and methods. The economics also takes market system as a kind of institutional framemork for trading in economic environment. Market mechanism filtered by morals promotes the realization of social optimum,mith the maximum of profits and individual efforts. The economics advocates the sugges-tions for modern financial progress includes forbidding fixed income from interests,sharing benefits and risks, and embedding real economy during financial institutional arrangement.