بحوث مؤتمر المصارف الإسلامية بين الواقع والمأمول ج 55

أ.د. أحمد محمد السعد، د. محمد وجيه الحني مؤتمر المصارف الإسلامية  بين الواقع والممول  2- Financing of certain projects. 3- Common fund for monetary liquidity. 4- Interest – free loan. 5- Insurance on deposits. 6- Islamic laws ( documents ). 7- Investment and Hazard fund. 8- Payment documents ( laws ). 9- Establishment of a central Islamic Bank . 10- Deposit Exchange. The conclusions includes the findings and the recommendations. * * *

بدائل المسعف الأخير للمصارف الإسلامية من البنوك المركزية مؤتمر المصارف الإسلامية  بين الواقع والممول  Abstract For about four decades, many Islamic banks have been established to provide activities and services which are quite different from those of traditional commercial banks. These Islamic banks will be governed by laws and legislations issued by the Central Bank. The relationship between both of them will be specified through the financial Policy tools applied by the Central Bank on Islamic banks; The last resort ( supporter ) . The problem of the study is that the Islamic banks are incapable of gaining any benefit from this tool. This is because it is based on « interest system « ( Al-reba ) which is totally refused and prohibited in Islam. But some times this tool is quite vital and necessary for the Islamic banks. Ignoring this tool may lead to many negative results such as exposure to loss dangers (hazards), Having to keep large amounts of money ( monetary liquidity ) to face financial deficit, and inability to invest in medium and long – term projects. All these effects lead to a decrease in expected profits and benefits. The importance of study is based on the fact that it tries to provide alternative suggestions for the last resort ( supporter ), instead of dealing with « interest system « . The research consists of an introduction, two requirements. And a summery. • An introduction. • Requirement I : The Concept of the last resort ( supporter ), Its characteristics and importance. • Requirement II : Suggested alternatives for the functions of the last resort ( Supporter ) including: 1- Mudaraba