伊斯兰文化的金融约束与微型金融发展  

Financial Constraints of Islamic Culture and the Development of Microfinance

作　　者：柳松[1] 

机构地区：[1]华南农业大学经济管理学院

出　　处：《阿拉伯世界研究》2014年第5期55-63,共9页Arab World Studies

基　　金：国家社科基金项目(10BJY057);国家留学基金"公派访问学者项目"(201208440325)的资助

摘　　要：本文利用文化维度理论,剖析了伊斯兰地区的人文特征,深入研究了伊斯兰文化的金融约束及当地微型金融服务的现实需求与人文嵌入方式。伊斯兰文化具有权利差距小、不确定性规避强、集体主义、阴柔气质以及长期取向等五大特征;伊斯兰文化对微型金融服务具有强力的约束效应,不但反对高利贷和利率,而且强调借贷双方的道德准则;伊斯兰微型金融服务通过成本加融资、利润共享及慈善贷款三种方式融入伊斯兰社区,因展现出形式灵活、运作高效等优越性而普受欢迎;微型金融服务与社区人文环境的有效交融是伊斯兰微型金融取得成功的关键之处。Using cultural dimensions theory, the paper analyzes the cultural characteristics of Islamic region, financial constraints of Islamic culture, local demand of microfinance service and how culture is embedded in financial behavior. The study finds that Islamic culture has the following five characteristics, namely small power distance, strong uncertainty avoidance, collectivism, femininity and long-term orientation. Islamic culture has strong constraint effect on microfinance services because it is not only against usury, interest rates and but also emphasizes both lenders＇ and borrowers＇ code of ethics. Islamic microfinance services which integrate into the Islamic community by cost-plus financing, profit sharing and charitable loans is extensively welcome because of its flexible ways, efficient operation and so on. The core of microfinance＇s success in Islamic region is that microfinance services and community humanistic environment are effectively blended together.

关 键 词：微型金融服务 金融约束 人文理念 伊斯兰文化 

分 类 号：F832.3[经济管理—金融学]