이슬람은행의 금융 이론적 특징에 대한 연구: 자금운용시스템을 중심으로
A Study on the Theoretical Financial Feature of Islamic Banking : Focusing on Funds Management System
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The purpose of this paper is to extract the feature of Islamic banking in the context of financial theory and to analyse the feature and issue of the funds management system of Islamic banking. This paper consists of five parts. Continuing from the introduction, this paper deals with three main subjects like following :First, this study surveys fast-growing status of Islamic banking trough the indicators of annual growth rate, market share, asset, profits, asset growth, profit growth, profits/assets. Second, this paper analyzes the various contract type of Islamic banking such as financial contract, trade contract, brokerage contract different from conventional banking and based on this analysis, this study examines the feature of Islamic banking from the perspective of three basic functions of bank such as risk management function, credit creation function, payment function. Third, with reference to stylized balance sheet of an Islamic banking, this study attempts to analyze profit loss sharing contracts related to the inherent problems and risk management issues. Especially with regard to the low proportion of profit loss sharing contract in asset composition, this paper examines from the perspective of information asymmetry and limit liability. This paper deals with the risk management issues in terms of six kinds of liquidity risk, duration mismatch risk, return change risk, legal risk, price fluctuation risk of real estate, Sharia Risk.
Abstract
The purpose of this paper is to extract the feature of Islamic banking in the context of financial theory and to analyse the feature and issue of the funds management system of Islamic banking. This paper consists of five parts. Continuing from the introduction, this paper deals with three main subjects like following :First, this study surveys fast-growing status of Islamic banking trough the indicators of annual growth rate, market share, asset, profits, asset growth, profit growth, profits/assets. Second, this paper analyzes the various contract type of Islamic banking such as financial contract, trade contract, brokerage contract different from conventional banking and based on this analysis, this study examines the feature of Islamic banking from the perspective of three basic functions of bank such as risk management function, credit creation function, payment function. Third, with reference to stylized balance sheet of an Islamic banking, this study attempts to analyze profit loss sharing contracts related to the inherent problems and risk management issues. Especially with regard to the low proportion of profit loss sharing contract in asset composition, this paper examines from the perspective of information asymmetry and limit liability. This paper deals with the risk management issues in terms of six kinds of liquidity risk, duration mismatch risk, return change risk, legal risk, price fluctuation risk of real estate, Sharia Risk.
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