伊斯兰金融与小额信贷的比较及对我国农村金融发展的启示

The Comparison of Islamic Finance with Microfinance and the Implications for the Development of the Rural Finance

以伊斯兰教义贯穿经营活动始终的伊斯兰金融和专门为低收入群体设计的小额信贷,作为异于正规金融的两股新兴的金融力量,各自在解决弱势群体尤其是农村地区的低收入者(包括贫困者)和小微企业的融资难题方面发挥了重要的作用。尽管两者在是否收取利息方面存在明显的分歧,但在强调社会平等的共同信念下,却存在诸多相同之处。通过积极推动伊斯兰金融和小额信贷在我国农村地区的发展,鼓励两者互相借鉴彼此的一些经营方式,以实现产品和服务方式的创新,有利于我国构建多元化、多层次、广覆盖、可持续的农村金融体系。

Islamic finance with Islam throughout the course of the business activities and the microfinance which is specially designed for low--income groups, are two new financial forms different from the formal finance. They have played an important role in dealing with vulnerable groups, especially the low--income residents in rural areas （including the poor） and micro enterprise. They have obvious differences on wheth- er to charge interest, but in the common faith of social equality. They have many similarities too. Promo- ting the development of islamic finance and microfinance in rural areas in China, encouraging them to learn the business methods from each other and realizing the innovation of their products and services, are all important ways for China to build a diversified, multi--level, broad coverage, sustainable rural financial system.