【作者】 陈露；

【导师】 邹小芃；

【作者基本信息】 浙江大学 ， 金融学， 2010， 硕士

【摘要】 不同的民族有着各自特殊的文化传承、社会背景以及由此产生的思维方式和价值观念。宗教是文化的一个重要组成部分,信仰不同宗教的人群自然也产生了不同的经济行为,再通过生产方式、产业结构、经营理念、科技创新等途径推动着社会经济的发展,一定程度上促成了一国金融体系的形成。有关宗教文化对金融体系影响这一领域的研究相对空白,本文主要就受根深蒂固儒家文化影响的中国和崇尚伊斯兰文化的阿联酋进行金融体系的比较,从宗教文化角度考察两国金融体系的差异。本文先解释了宗教文化对一国经济发展、金融体系形成的影响,再对有着不同宗教文化背景的中国和阿联酋进行直接融资市场和间接融资市场的比较。两国直接融资市场发展程度相近基本都达到了弱势有效,间接融资市场上由于伊斯兰金融的独特性使阿联酋市场有着较高的稳定性与经营效率。然而2009年底却引爆了迪拜债务危机,本文进一步对此次危机作了个案分析,得出的结论是此次危机的发生与迪拜本身的伊斯兰金融体系并非有着直接的关联,从危机发展的程度与结果来看反而更显示了伊斯兰金融的优势。由于伊斯兰金融体系相对安全稳定的独特性,本文之后提出了系列中国引进伊斯兰金融资本以及走向伊斯兰世界的政策意见。通过审慎地引入伊斯兰金融体系,去深化与完善我国金融体系的发展,使其走向更为健康的发展之路。更多还原

【Abstract】 Different ethnic groups have their own unique cultural heritage, social background, ways of thinking and basic values. Religion is an important part of the culture. Different religious beliefs constitute different economic activities, then promote the socio-economic development through the mode of production, industrial structure, business philosophy, science and technology innovation, which contributes to the formation of a country’s financial system to some extent. China has a deep-rooted Confucian culture, while the United Arab Emirates advocates the teachings of Islam. From the perspective of religion and culture, this dissertation compares the financial system differences of China with that of the UAE.This dissertation firstly explains how the impact of religious culture on a country’s economic development and the formation of financial system. Then it compares direct financing market and indirect financing market of China with that of the UAE which has different religious and cultural backgrounds. The development degrees of direct financing markets in these two countries are similar, basically have reached a weak validity. Due to the unique nature of Islamic finance, the UAE’s indirect financing market has a higher stability and operational efficiency than China’s. However, by the end of 2009, debt crisis set off in Dubai. This dissertation makes a case analysis of the crisis, and concludes that the occurrence of the crisis dose not have a direct correlation with the Islamic financial system. On contrary, from the extent and outcome of the crisis, it shows the advantage of Islamic finance. Since the unique nature of security and stability of Islamic financial system, this dissertation puts forward a series of policies in order to introduce Islamic financial system and capital to China as well as lead China to step into the Islamic world. Through the selective introduction of the Islamic financial system, the China’s financial system will develop into a more healthy way.更多还原