المشاكل الناجمة عن علاقة بنوك الإسلامية بالبنوك المركزية : دراسة مقارنة بين الفقه الإسلامي الاقتصاد

الملخص EN

The classic and foreign banks increases their dealing with the products of the Islamic banking day by day as a competition with the Islamic banks or to gain many depositors and investors, Who do not wish to have Usurious deals .Also some countries such as Sudan and Iran used the Islamic system of banking in their banking houses .Because these banks found that the Islamic banks have achieved much growth recently especially in the Arab Gulf countries in which many people deal with banks according to the gracious Islamic law and that there was success in its application in the early stages of the beginning of this experiment in Europe, so that these classic banks thought of opening Islamic branches related to them which present services of Islamic banking or Islamic windows inside Maine branch or the classic banks or funds for Islamic investment in Addition to the conventional funds of investment which have existed already.

Furthermore, they thought of and planned for transformation completely to the Islamic bank since the inclination towards these products has increased and there are many experiments and examples of these banks.

"This research has led to a number of conclusions.

Among these are the opinions of those interested in the Islamic economy regarding the experience of establishing conventional banks for branches that specialize in providing Islamic banking services among those who support these branches and their opponents and those who deal with them for necessity and for all their views and evidence.

Especially the availability of good banking staff, material supplies and the most important thing is the existence of banking legislation that allows, and the presence of the broad segment that likes to deal in accordance with the Islamic Sharia and the absence of Islamic banks giant make the process of competition with them difficult, but the conventional banks have a reputation better than no harm If these banks opened Islamic branches to their depositors and get more returns and as these Iraqi banks when applied to this experiment will be the first to win many depositors and investors from our people and then prevent or reduce the money that will earn Almsar We hope that this modest scientific effort will provide some information and data that serve the reality of the Iraqi banking business.

We hope that this effort will be the first step in the implementation of these banks.