SHARIAH GOVERNANCE IN ISLAMIC FINANCIAL INSTITUTION： AN APPRAISAL

With the fast and huge growth and development of Islamic financial institutions, after only four decades, their operation is in the need of continuous improvement and effort of enhancement. Islamic financial system is a combination of innovation and tradition, of ancient values and a vibrant forward-looking design, that says much about the current state of confidence around the world and about the state of the financial services industry, and its potential to contribute not only to the Islamic, but to the non-Islamic world. The base line for any discussion of Islamic financial services is their obvious commercial success. People want them. It is true that Islamic finance is still small compared with the whole global financial system, but the sector is growing fast, as it is illustrated by the fact that total assets in Islamic banks in the world increased by an average of 24% a year. Nor is the market restricted to the Islamic world. Freddie Mac, the US mortgage lending corporation, has been offering mortgage backed- securities as a financing option to the Muslim community in the United States. In London, Europe＇s first stand-alone Islamic bank opened its doors for business in September 2005. Before that, one of the UK＇s biggest retail banks had announced the launch of a Shariah compatible account, claiming that it would make Islamic banking ＂mainstream ＂.     

民间借贷愈演愈烈令人担忧

近来整个金融业资金供应紧张,中小企业纷纷求告于民间借贷,解决急需资金的供应。这造成借贷利息率高涨,企业负担加重,极不利于它们的生存和成长。如何看待民间借贷,是赞成或反对,态度模糊,模棱两可。因为没有理出问题的头绪,是非没搞清楚。以我看来,民间借贷肯定是利大于弊,非常值得推广的事。