イスラム金融手法

先日、ある雑誌で興味深い記事を読みました。今、イスラム金融手法が世界的に注目されているそうです。その記事を要約すると、イスラム金融の最大の特徴は、コーランの教えにより利子、金利が禁止されているとの事。はて?利子もとらないのに金融機関はどうやって儲けているの?と思いましたが、「商品の仲介の手数料」で儲けているのだそうです。イスラム教では豚肉・アルコールが禁止されているのでこれらの売買も禁止されているそうです。はたまた、金利を取ることも禁止なので、住宅ローンという概念もないそうです。じゃあどうやって家を買うの?と思いましたが、その答えは「金融機関が住宅供給公社から住宅を買い取り、買い取った住宅を商品として購入希望者に売る」のだそうです。その際に、「手数料」をとり、その手数料で利益をだしているのだそうです。うーん。。。あれ。何かに似ているなぁー!そうだ!フラット35に似てなくもない。。フラット35は機構が住宅の借入額を「債権」として買取り、金融機関を窓口にして、その際に借入額の2.1%を手数料としてとっているではないですか!! 
もしかしたら、機構はイスラム金融手法を真似してフラット35という商品を開発したのでしょうか???

イスラム金融手法に戻りますが、現在、年間15%の伸び率で市場規模は107兆ドルだそうです。背景には原油価格高騰による「通称オイルマネー」が年間54兆を荒稼ぎしているのが強力なバックボーンになっているそうです。
イギリス政府では夏季オリンピックの資金調達を「イスラム債」で調達するそうで、日本では、東証がアブダビ証券取引所と業務提携をはじめて行うそうです。そこで取引をたくさん行うことにより、利益を上げていこうという計画があるそうです。
以前、ドバイショックというのがありましたが、また返り咲きましたね!!私は「返り咲き」という言葉が大好きです!七転び八起きというか、人間万事塞翁馬というか。。。





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