CAJ | 학술논문

伊斯兰金融体系以风险分担为原则，在全球呈现出的发展趋势令人瞩目。由此体系建立的金融市场，实际上反映出现代金融与沙里亚的兼容性和排斥性。兼容性在于后者应用前者积累的丰富经验，来发展符合沙里亚原则的金融工具和市场，从而推动经济整体发展。而排斥性在于前者的体系基于利息，与后者以禁止任何形式的利息形成对立。此外，以风险分担为原则的伊斯兰金融市场和运作模式，也体现出享受回报与承担责任并存的经营理念。鉴于这些特点，通过研究伊斯兰金融体系的风险分担原则，可进一步揭示该体系中的核心组成部分——伊斯兰货币市场与资本市场。
이사란금융체계이풍험분담위원칙，재전구정현출적발전추세령인촉목。유차체계건립적금융시장，실제상반영출현대금융여사리아적겸용성화배척성。겸용성재우후자응용전자적루적봉부경험，래발전부합사리아원칙적금융공구화시장，종이추동경제정체발전。이배척성재우전자적체계기우이식，여후자이금지임하형식적이식형성대립。차외，이풍험분담위원칙적이사란금융시장화운작모식，야체현출향수회보여승담책임병존적경영이념。감우저사특점，통과연구이사란금융체계적풍험분담원칙，가진일보게시해체계중적핵심조성부분——이사란화폐시장여자본시장。
The Islamic financial system which is based on risk -sharing principle has shown a remarkable trend in the world. The financial markets established by the system, in fact, reflect the compatibility and exclusiveness between the modern finance and Shaft ＇ah. Their compatibility is the former＇ s richly accumulated experiences have been applied by the latter on developing the financial instruments and markets that comply with Shariah principles, so as to promote the overall economic development. Their exclusiveness is of the former＇ s interest- based system, while the latter strictly prohibits any form of interest and becomes opposite. Furthermore, the Islamic financial markets and their operational models, in accordance with the risk -sharing principle, have reflected the philosophy of ＂a return coexists with responsibility＂ In the light of these characteristics, this article studies the Islamic finance through risk- sharing principle to further reveal the core components of the system, i.e. , the Islamic money market and capital market.