ISLOM BANKLARI FALSAFASI SHAKLLANISHIGA TA’SIR ETUVCHI OMILLAR
Keywords:
Islomiy bank, ALM, Kapitalning adekvatligi, biznes, an’anaviy bank.Abstract
Ushbu maqolada biz islomiy bank faoliyatining aktivlari va passivlarini boshqarish (ALM) tuzilishi va vositasini ko'rib chiqamiz. Islom bankida omonatchilar bank manfaatlariga sherik bo'lishadi, shuning uchun islom banki benefitsiarlarning, shu jumladan omonatchilarning manfaatlarini maksimal darajada oshiradi. Shu sababli, islom bankchiligi va an'anaviy bank ishida ALM yondashuvlari o'rtasida o'xshashliklar mavjud. Birinchidan, bu o'xshashlik islom bankida buxgalteriya hisobining an'anaviy bankchilikka nisbatan farqidan kelib chiqadi. Ikkinchidan, sudxo'rlikning noqonuniyligi va u bilan bog'liq huquqshunoslik ko'rsatkichlari shuni ko'rsatadiki, vaqt faqat o'z kapitalining (depozit kapitalining) rentabelligini oshirishda samarali omil emas; real iqtisodiyot sarmoyasi natijasida olingan daromad va zararni taqsimlash pul operatsiyalarining asosiy bazasi hisoblanadi. Bu ikki muhim omil islomiy ALMda muhim omillardir.
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