摘要：Aktuelna globalna ekonomska kriza ne samo što otežava da na globalnom nivou privreda očuva rast, već predstavlja i izazov vladajućoj ekonomskoj paradigmi koja postulira da ličnim ekonomskim interesom vođeni pojedinci, kroz složene interakcije, neizbežno obezbeđuju maksimum društvenih ciljeva. U radu istražujemo koncept islamskog bankarstva i finansija, ispitujući koliko je ovaj koncept održiva alternativa konvencionalnoj, zapadnoj bankarskoj i finansijskoj praksi. Analiziramo vezu između finansijske strukture i ekonomske stabilnosti, ali i specifične finansijske aranžmane sa aspekta usklađenosti pobuda ugovornih strana. Utvrdili smo da koncept islamskih finansija ne omogućuje radikalniju reformu postojeće prakse u poslovnom finansiranju, u pravcu obezbeđenja stabilnog finansijskog sistema. Ipak, preporuka napuštanja kamatonosnih finansijskih aranžmana, kada se primeni na upravljanje javnim sektorom, dotiče gorući ekonomski problem savremenog čovečanstva, sve veći rizik od pokretanja lavine prezaduženosti javnog sektora.
其他摘要：Current global economic crisis challenges not only the ability of global economy to maintain positive economic growth, but also the very foundations of the mainstream economic paradigm, which assumes that economically self-interested individuals, through complex interactions, inevitably ensure the maximum of social goals. The paper explores the so-called Islamic banking and finance to test its viability as an alternative to conventional, western-style, banking and finance practice. We analyze the relationship between financial structure and economic stability, as well as specific financial arrangements to address compatibility of contracting parties’ incentives. We found a rather weak potential of Islamic finance to reform the predominant practice of business finance toward a safe and sound financial system. Nevertheless, the prohibition of interest-based finance, when implemented in public sector management, tackles a burning economic issue of modern world − the snowball effect of public sector over-indebtedness.
关键词：islamsko bankarstvo; finansijska struktura; ekonomske krize;kreditni aranžman; javni dug
其他关键词：Islamic Banking; Financial Structure; Economic Crises; Loan;Agreement; Public Debt
