全球伊斯兰金融发展及其对中资银行国际化的启示

The Development of Worldwide Islamic Finance and Its Enlightenment to the Internationalization of Chinese Banks

作为国际金融市场新生力量的伊斯兰金融,不仅在全球金融危机中表现出色,而且未来发展潜力巨大。其商业原则与中资银行"服务实体经济"的经营理念有契合点,其核心分布区域也与中资银行境外目标市场有较高重合度,从而为中资银行开展跨国经营提供了新的业务蓝海。中资银行拓展伊斯兰银行业务可考虑以下策略:及早建立伊斯兰教义委员会;首先从国内的适宜区域展开伊斯兰银行业务的尝试;结合不同市场的政策要求和特点,采取不同形式开展伊斯兰金融业务;在伊斯兰世界开展伊斯兰金融业务应特别强调员工本地化;适当弱化"盈利"的口号,而更多强调"客户基础"。

As a new member in the global financial market, the Islamic finance not only outperforms the traditional finance during the global financial crisis, but also possesses huge developmental potential in the future. Its business principle shares certain characteristics with the operational philosophy ＂serving the real economy＂ of the Chinese commercial banks, and its core business regions coincide with the overseas target markets of the Chinese banks to a high degree. Therefore, it may create busi- ness blue ocean for the overseas operation of the Chinese banks. The author of the paper puts forward the following suggestions for the Chinese banks to expand their Islamic finance business： establishing an Islamic committee as soon as possible; expanding Islamic banking business as the first attempt in domestic appropriate regions; choosing business pattern according to the local regulation policies and market characteristics; employing local staffs to expand business in the Islamic countries; weakening ＂profitability goal＂, but reinforcing ＂customer base＂.