【银行学】Why Do Large Firms Go For Islamic Loans?

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1 论文标题
Why Do Large Firms Go For Islamic Loans?

2 作者信息
Laurent Weill and Christophe Godlewski
(LaRGE Research Center, Université de Strasbourg)
3 出处和链接
http://ifs.u-strasbg.fr/large/publications/2012/2012-05.pdf
4 摘要
This paper examines the motivations for large firms to choose an Islamic loan over a conventional loan and the recent expansion of Islamic finance activities. We employ a dataset of Islamic and conventional syndicated loans from countries in the Middle East and Southeast Asia for the period 2001-2009, testing determinants for the choice of an Islamic loan at the facility, firm, and country level. From the lenders standpoint, loan characteristics apparently do not influence the decision to offer Islamic loans, nor are they rationed to borrowers in terms of maturity or amount. Moreover, firms taking Islamic loans do not appear to differ in terms of default risk from firms taking conventional loans. We identify three country-level determinants as potential driving forces expanding the preference for Islamic loans. The strongest determinant is religiosity, i.e. the share of Muslim population in a country, but the quality of institutions and level of financial development also play substantial roles.

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关键词：Islamic loans Large Firms arge activities countries finance recent

这篇文章做伊斯兰金融的实证，作者想问的问题是到底是那些企业回去寻求伊斯兰金融？伊斯兰金融业和传统金融业的最大区别就是，伊斯兰贷款不能收取利息。但是贷款的回报仍然是有的，只是不能以利息的方式出现（有4个商业模式，其中两个很像融资租赁）。这个根据古兰经和其他圣训来说，收取利息是违反伊斯兰宗教法律的。那么到底什么样的企业才有能力去寻求伊斯兰贷款呢？

好贴

顶顶顶

这个题目非常有意思，一定去好好读一下

看看

学习了，谢谢

飘过

他山之石啊..............

好久不见到LZ