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\u4f5c\u8005\uff1a<\/strong>\u5370\u5c3c\u91d1\u878d\u670d\u52a1\u7ba1\u7406\u5c40\uff08OJK\uff09\u4fdd\u9669\u3001\u62c5\u4fdd\u53ca\u517b\u8001\u91d1\u8bb8\u53ef\u3001\u4e13\u9879\u68c0\u67e5\u4e0e\u8d28\u91cf\u63a7\u5236\u53f8\u53f8\u957f\u4f0a\u00b7\u74e6\u626c\u00b7\u7ef4\u8d3e\u7eb3\uff08I Wayan Wijana\uff09\uff1b\u5370\u5c3c\u91d1\u878d\u670d\u52a1\u7ba1\u7406\u5c40\u4fdd\u9669\u3001\u62c5\u4fdd\u53ca\u517b\u8001\u91d1\u8bb8\u53ef\u3001\u4e13\u9879\u68c0\u67e5\u4e0e\u8d28\u91cf\u63a7\u5236\u53f8\u9ad8\u7ea7\u7ecf\u7406\u5206\u6790\u5e08\u963f\u5357\u8fbe\u00b7\u62c9\u9a6c\u8fbe\u5c3c\uff08Ananda Ramadhani\uff09<\/p>\n

 <\/p>\n

\u514d\u8d23\u58f0\u660e\uff1a\u7b2c\u4e09\u65b9\u65b0\u95fb\uff08\u6216\u56fe\u7247\uff09\u4e3a\u5206\u4eab\/\u63f4\u5f15\/\u50a8\u5b58\u4fe1\u606f\uff0c\u5176\u5185\u5bb9\u5e76\u4e0d\u4ee3\u8868\u672c\u62a5\/\u672c\u7f51\u7acb\u573a\uff0c\u5982\u6709\u9519\u8bef\u6216\u76f8\u5173\u4fb5\u6743\u8bf7\u8054\u7cfb\u6211\u4eec\u5220\u9664\uff0c\u8c22\u8c22\uff01<\/p>\n","protected":false},"excerpt":{"rendered":"

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\u6839\u636eDinarStandard\u300a2024\/2025\u5168\u7403\u4f0a\u65af\u5170\u7ecf\u6d4e\u62a5\u544a\u300b\uff0c\u5168\u7403\u6e05\u771f\u5e02\u573a\u89c4\u6a21\u5df2\u8d85\u8fc77.3\u4e07\u4ebf\u7f8e\u5143\uff0c\u5e76\u968f\u7740\u5168\u7403\u7a46\u65af\u6797\u4eba\u53e3\u589e\u957f\u6301\u7eed\u6269\u5927\u3002\u5728\u8fd9\u4e00\u5de8\u5927\u673a\u9047\u9762\u524d\uff0c\u4f0a\u65af\u5170\u4fdd\u9669\uff08Takaful\uff09\u5374\u6210\u4e3a\u7ed3\u6784\u6027\u74f6\u9888\u3002\u53ea\u8981\u4f0a\u65af\u5170\u91d1\u878d\u751f\u6001\u4f53\u7cfb\u4ecd\u5904\u4e8e\u788e\u7247\u5316\u72b6\u6001\uff0c\u4f0a\u65af\u5170\u4fdd\u9669\u6e17\u900f\u7387\u504f\u4f4e\u3001\u518d\u4fdd\u9669\uff08Retakaful\uff09\u80fd\u529b\u6709\u9650\u3001\u8d44\u672c\u89c4\u6a21\u4e0d\u8db3\u4ee5\u53ca\u516c\u4f17\u8ba4\u77e5\u5ea6\u4e0d\u9ad8\u7b49\u95ee\u9898\u6301\u7eed\u5b58\u5728\uff0c\u4f0a\u65af\u5170\u4fdd\u9669\u5c31\u96be\u4ee5\u6ee1\u8db3\u5feb\u901f\u53d1\u5c55\u7684\u6e05\u771f\u4ea7\u4e1a\u9700\u6c42\u3002 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\u91d1\u878d\u670d\u52a1\u7ba1\u7406\u5c40\u63a8\u52a8\u7684UUS\u5206\u62c6\u653f\u7b56\u4e0d\u5e94\u88ab\u89c6\u4e3a\u76d1\u7ba1\u8d1f\u62c5\uff0c\u800c\u5e94\u88ab\u89c6\u4e3a\u8fdb\u5165\u5c1a\u672a\u5145\u5206\u5f00\u53d1\u5e02\u573a\u7684\u5fc5\u8981\u524d\u63d0\u3002\u771f\u6b63\u72ec\u7acb\u8fd0\u8425\u7684\u4f0a\u65af\u5170\u4fdd\u9669\u673a\u6784\uff08full-fledged Takaful\uff09\u5fc5\u987b\u901a\u8fc7\u201c\u5d4c\u5165\u5f0f\u4f0a\u65af\u5170\u4fdd\u9669\u201d\uff08Embedded Takaful\uff09\u6a21\u5f0f\uff0c\u76f4\u63a5\u878d\u5165\u5b9e\u4f53\u7ecf\u6d4e\u4ef7\u503c\u94fe\uff0c\u4f7f\u98ce\u9669\u4fdd\u969c\u6210\u4e3a\u4f01\u4e1a\u8fd0\u8425\u6d41\u7a0b\u7684\u4e00\u90e8\u5206\uff0c\u800c\u975e\u53ef\u6709\u53ef\u65e0\u7684\u9644\u52a0\u4ea7\u54c1\uff08\u4f0a\u65af\u5170\u5f00\u53d1\u94f6\u884c\u4e0e\u8054\u5408\u56fd\u5f00\u53d1\u8ba1\u5212\u7f72\uff0c2024\uff09\u3002 \u6240\u8c13\u4f0a\u65af\u5170\u4fdd\u9669\u878d\u5165\u6e05\u771f\u4ef7\u503c\u94fe\uff08Halal Value Chain\/HVC\uff09\uff0c\u610f\u5473\u7740\u4ece\u539f\u6750\u6599\u91c7\u8d2d\u3001\u751f\u4ea7\u3001\u5305\u88c5\u3001\u4ed3\u50a8\u3001\u7269\u6d41\u914d\u9001\u76f4\u81f3\u51fa\u53e3\u7684\u6574\u4e2a\u94fe\u6761\uff0c\u90fd\u5e94\u91c7\u7528\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u539f\u5219\u7684\u98ce\u9669\u7ba1\u7406\u5de5\u5177\u3002\u5982\u679c\u5176\u4e2d\u4efb\u4f55\u4e00\u4e2a\u73af\u8282\u4ecd\u4f7f\u7528\u4f20\u7edf\u91d1\u878d\u4fdd\u9669\u5de5\u5177\uff0c\u90a3\u4e48\u5728\u65e5\u76ca\u6311\u5254\u7684\u7a46\u65af\u6797\u6d88\u8d39\u8005\u548c\u56fd\u9645\u5e02\u573a\u773c\u4e2d\uff0c\u6574\u4e2a\u6e05\u771f\u4f9b\u5e94\u94fe\u7684\u5b8c\u6574\u6027\u90fd\u5c06\u53d7\u5230\u8d28\u7591\u3002 \u8fd9\u79cd\u878d\u5408\u5c06\u5e26\u6765\u591a\u91cd\u6218\u7565\u610f\u4e49\u3002 \u5728\u51fa\u53e3\u5c42\u9762\uff0c\u5370\u5c3c\u5c06\u66f4\u6709\u529b\u5730\u8bc1\u660e\u5176\u6e05\u771f\u4ea7\u54c1\u771f\u6b63\u5b9e\u73b0\u4e86\u201c\u4ece\u6e90\u5934\u5230\u7ec8\u7aef\u201d\u7684\u5168\u94fe\u6761\u6e05\u771f\u8ba4\u8bc1\u3002 \u5728\u4ea7\u4e1a\u5c42\u9762\uff0c\u878d\u5408\u5c06\u5438\u5f15\u66f4\u591a\u5927\u578b\u6e05\u771f\u4f01\u4e1a\u6210\u4e3a\u4f0a\u65af\u5170\u4fdd\u9669\u5ba2\u6237\uff0c\u6269\u5927\u4fdd\u8d39\u57fa\u7840\uff0c\u4e3a\u4ea7\u54c1\u521b\u65b0\u548c\u56fd\u5185\u4f0a\u65af\u5170\u518d\u4fdd\u9669\u4f53\u7cfb\u5efa\u8bbe\u63d0\u4f9b\u8d44\u91d1\u652f\u6301\u3002 \u5728\u666e\u60e0\u91d1\u878d\u5c42\u9762\uff0c\u5fae\u578b\u4f0a\u65af\u5170\u4fdd\u9669\uff08micro-Takaful\uff09\u80fd\u591f\u8986\u76d6\u957f\u671f\u7f3a\u4e4f\u6b63\u5f0f\u4fdd\u9669\u4fdd\u969c\u7684\u6e05\u771f\u4e2d\u5c0f\u5fae\u4f01\u4e1a\u3002 \u9a6c\u6765\u897f\u4e9a\u5df2\u7ecf\u8bc1\u660e\u8fd9\u4e00\u6a21\u5f0f\u662f\u6210\u529f\u7684\u3002\u901a\u8fc7\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\u7684\u79ef\u6781\u76d1\u7ba1\u3001\u5168\u7403\u6700\u5927\u7684\u4f0a\u65af\u5170\u503a\u5238\uff08Sukuk\uff09\u5e02\u573a\u3001\u5b8c\u5584\u7684\u518d\u4fdd\u9669\u80fd\u529b\u4ee5\u53ca\u6570\u5b57\u5316\u5206\u9500\u4f53\u7cfb\uff0c\u9a6c\u6765\u897f\u4e9a\u5b9e\u73b0\u4e86\u7531\u751f\u6001\u4f53\u7cfb\u9a71\u52a8\u7684\u589e\u957f\u3002 \u53e6\u4e00\u4e2a\u4f8b\u5b50\u662f\u6c99\u7279\u963f\u62c9\u4f2f\u3002\u8be5\u56fd\u901a\u8fc7\u5728\u7279\u5b9a\u884c\u4e1a\u5b9e\u65bd\u5f3a\u5236\u4fdd\u9669\u653f\u7b56\uff0c\u52a0\u901f\u4e86\u4f0a\u65af\u5170\u4fdd\u9669\u53d1\u5c55\uff0c\u4e3a\u4ea7\u54c1\u521b\u65b0\u548c\u7406\u8d54\u80fd\u529b\u5efa\u8bbe\u521b\u9020\u4e86\u89c4\u6a21\u7ecf\u6d4e\u6548\u5e94\u3002 \u7136\u800c\uff0c\u4e50\u89c2\u524d\u666f\u4ecd\u9762\u4e34\u73b0\u5b9e\u6311\u6218\u3002 \u6700\u5927\u7684\u96be\u9898\u5728\u4e8e\u8d44\u672c\u51c6\u5907\u4e0d\u8db3\u3002\u591a\u6570\u5b8c\u6210\u5206\u62c6\u7684\u4f0a\u65af\u5170\u4e1a\u52a1\u5355\u5143\u81f3\u4eca\u4ecd\u672a\u8fbe\u5230\u76d1\u7ba1\u89c4\u5b9a\u7684\u6700\u4f4e\u8d44\u672c\u8981\u6c42\uff0c\u56e0\u6b64\u5c1a\u65e0\u80fd\u529b\u627f\u4fdd\u6e05\u771f\u7269\u6d41\u6216\u5236\u9020\u4e1a\u9886\u57df\u7684\u5927\u578b\u98ce\u9669\u3002 \u4e0e\u6b64\u540c\u65f6\uff0c\u65e2\u719f\u6089\u4f0a\u65af\u5170\u5546\u4e1a\u6cd5\uff08Fiqh Muamalah\uff09\uff0c\u53c8\u638c\u63e1\u7279\u5b9a\u884c\u4e1a\u98ce\u9669\u7ba1\u7406\u6280\u672f\u7684\u4e13\u4e1a\u4eba\u624d\u6781\u5ea6\u77ed\u7f3a\u3002\u82e5\u8fd9\u4e24\u5927\u95ee\u9898\u5f97\u4e0d\u5230\u89e3\u51b3\uff0c\u5373\u4f7f\u91d1\u878d\u670d\u52a1\u7ba1\u7406\u5c40\u3001BPJPH\u53ca\u76f8\u5173\u90e8\u59d4\u52a0\u5f3a\u534f\u8c03\uff0c\u4e5f\u53ef\u80fd\u4ec5\u505c\u7559\u5728\u7eb8\u9762\u653f\u7b56\u5c42\u9762\u3002 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