fa اخلاق در نظام بانکداری اسلامی و نقش آن در شکل گیری ابعاد حقوقی قراردادهای مشارکت بانکی تخصصي Special پژوهشي Research <div style="text-align: justify;"><span style="font-size:11pt"><span style="line-height:90%"><span style="direction:rtl"><span style="unicode-bidi:embed"><span style="font-family:&quot;Times New Roman&quot;,serif"><b><span lang="AR-SA" style="line-height:90%"><span style="font-family:&quot;B Mitra&quot;">زمینه: </span></span></b><span lang="FA" style="line-height:90%"><span style="font-family:&quot;B Mitra&quot;">نظام بانکداری اسلامی که ستون فقرات نظام مالی اسلامی را تشکیل می&shy;دهد، نقش مهمی در بسیج سپرده&shy;ها و تأمین مالی برای تسهیل رشد دارد. موسسات بانکداری اسلامی طیف گسترده&shy;ای از محصولات و خدمات مالی اسلامی را ارائه می دهند.</span></span><span lang="AR-SA" style="line-height:90%"><span style="font-family:&quot;B Mitra&quot;"> در نظام بانکداری ﺑﻪ ﻋﻨﻮان یﮏ ﻧﻬﺎد، وﺟﻮد اﺧﻼق از ﻣﻬﻢﺗﺮیﻦ ﺷﺎﺧﺺﻫﺎی ﭘﯿﺸﺮﻓﺖ و ﺗﺪوام است. اﺧﻼق در ﺑﺎﻧﮑﺪاری ﺗﺴﻬﯿﻞ ﮐﻨﻨﺪه رواﺑﻂ ﺑﯿﻦ&nbsp; ﺑﺎﻧﮏ و&nbsp; ﻣﺸﺘﺮی و ﺟﺎﻣﻌﻪ ﭘﯿﺮاﻣﻮن ﺧﻮد اﺳﺖ و ﻫﺮیﻨﻪ ﻣﻌﺎﻣﻼﺗﯽ ﻋﻤﻠﯿﺎت ﺑﺎﻧﮏ را ﮐﺎﻫﺶ&nbsp; ﻣﯽدﻫﺪ. از این رو مطالعه حاضر به بررسی اخلاق در نظام بانکداری اسلامی و نقش آن در</span></span><span lang="FA" style="line-height:90%"><span style="font-family:&quot;B Mitra&quot;"> شکل گیری ابعاد حقوقی قراردادهای مشارکت بانکی</span></span><span lang="AR-SA" style="line-height:90%"><span style="font-family:&quot;B Mitra&quot;"> پرداخته است . </span></span></span></span></span></span></span><br> <b><span dir="RTL" lang="AR-SA" style="font-size:11.0pt"><span style="line-height:90%"><span style="font-family:&quot;B Mitra&quot;">نتیجه گیری</span></span></span></b><span dir="RTL" lang="AR-SA" style="font-size:11.0pt"><span style="line-height:90%"><span style="font-family:&quot;B Mitra&quot;">: در یﮏ ﺗﻘﺴﯿﻢﺑﻨﺪی ﺳﺎده، ﻧﻈﺮیﻪ ﺑﺎﻧﮑﺪاری اﺳﻼﻣﯽ در دو ﺳﻄﺢ ﻣﻌﺮﻓﯽ ﺷﺪه&nbsp; اﺳﺖ. ﺳﻄﺢ اول ﮐﻪ ﺳﻄﺢ ﺣﺪاﻗﻠﯽ ﻣﯽﺑﺎﺷﺪ ﺑﺮ ﻣﺒﻨﺎی ایﻦ ﻣﻨﻄﻖ اﺳﺘﻮار ﺷﺪه اﺳﺖ ﮐﻪ؛&nbsp; ﭼﻨﺎﻧﭽﻪ ﻣﻌﺎﻣﻼت ﺑﺎﻧﮏ ﺑﺎ ﻣﺸﺘﺮی ﺑﻪ ﻃﻮر ﺧﺎص، ﻗﺮاردادﻫﺎی ﻣﺮﺑﻮط ﺑﻪ ﺳﭙﺮده ﮔﯿﺮی و&nbsp; وامدﻫﯽﺣﺮام ﻧﺒﺎﺷﺪ، ﺑﺎﻧﮑﺪاری اﺳﻼﻣﯽ ﺗﻠﻘﯽ ﻣﯽﺷﻮد ﮐﻪ ایﻦ ﺳﻄﺢ ﺣﺪاﻗﻠﯽ اﺳﺖ. ﺳﻄﺢ&nbsp; دوم ایﻦ اﺳﺖ ﮐﻪ ﻧﻈﺎم ﺑﺎﻧﮑﺪاری اﺳﻼﻣﯽ زیﺮ ﻧﻈﺎﻣﯽ از ﻧﻈﺎم ﮐﻠﯽ اﻗﺘﺼﺎدی در ﻧﻈﺮ ﮔﺮﻓﺘﻪ&nbsp; ﺷﺪه اﺳﺖ و ﻧﻪ ﺗﻨﻬﺎ ﻣﻌﺎﻣﻼت ﺑﺎﻧﮑﯽ ﺑﺎیﺪ ﻣﺤﺮم ﻧﺒﺎﺷﻨﺪ ﺑﻠﮑﻪ ﻻزم اﺳﺖ ﮐﻪ ایﻦ ﺧﺮده ﻧﻈﺎم در ﺟﻬﺖ ﺗﺤﻘﻖ اﻫﺪاف ﻧﻈﺎم اﻗﺘﺼﺎد اﺳﻼﻣﯽ ﻫﻤﭽﻮن ﻋﺪاﻟﺖ اﻗﺘﺼﺎدی ﻓﻌﺎﻟﯿﺖ ﮐﻨﺪ. بانک&shy;های اسلامی در بسیاری از پروژه های خود از روش مشارکت بهره می برند. با بررسی قراردادهای مختلفی که در قانون عملیات بانکی بدون ربا جهت اعطای تسهیلات وجود دارد، می&shy;توان نتیجه گرفت که </span></span></span></div> <div style="text-align: justify;"><span style="font-size:11pt"><span style="line-height:normal"><span calibri="" style="font-family:"><b><span style="font-size:12.0pt"><span new="" roman="" style="font-family:" times="">Background</span></span></b><span style="font-size:12.0pt"><span new="" roman="" style="font-family:" times="">: The Islamic banking system, which forms the backbone of the Islamic financial system, plays an important role in mobilizing deposits and providing financing to facilitate growth. Islamic banking institutions offer a wide range of Islamic financial products and services. In the banking system as an institution, the presence of ethics is one of the most important indicators of progress and sustainability. Ethics in banking facilitates the relationship between the bank and the customer and the surrounding society and reduces the transaction costs of bank operations. Therefore, the present study has examined ethics in the Islamic banking system and its role in the formation of the legal dimensions of banking partnership contracts.</span></span></span></span></span><br> <span style="font-size:11pt"><span style="line-height:normal"><span calibri="" style="font-family:"><b><span style="font-size:12.0pt"><span new="" roman="" style="font-family:" times="">Conclusion</span></span></b><span style="font-size:12.0pt"><span new="" roman="" style="font-family:" times="">: In a simple division, the theory of Islamic banking has been introduced at two levels. The first level, which is the minimum level, is based on the logic that; If the bank&#39;s transactions with the customer, in particular, contracts related to deposits and loans, are not prohibited, then Islamic banking is considered to be Islamic, which is the minimum level. The second level is that the Islamic banking system is considered a sub-system of the general economic system, and not only should banking transactions not be prohibited, but it is necessary that this sub-system should function in order to achieve the goals of the Islamic economic system, such as economic justice. Islamic banks use the participatory method in many of their projects. By examining the various contracts that exist in the Law on Interest-Free Banking Operations for granting facilities, it can be concluded that the civil partnership contract, considering ethical principles, can be used as the main tool for credit facilities in Islamic banking.</span></span></span></span></span><br> &nbsp;</div> اخلاق, بانکداری اسلامی, قرارداد, مشارکت بانکی Ethics, Islamic Banking, Contract, Banking Partnership 43 51 http://ethicsjournal.ir/browse.php?a_code=A-10-3322-8&slc_lang=fa&sid=1 Asma Ali Khalil اسماء علی خلیل 100319475328460014250 100319475328460014250 No PhD Student, Private Law, Department of Jurisprudence and Law, Faculty of Literature and Humanities, Urmia University, Iran دانشجوی دکترا، گرایش حقوق خصوصی، گروه فقه و حقوق، دانشکده ادبیات و علوم انسانی، دانشگاه ارومیه، ایران Reza Nikkhah Saranghi رضا نیکخواه سرنقی r.nikkhah@urmia.ac.ir 100319475328460014251 100319475328460014251 Yes Department of Jurisprudence and Islamic Law, Faculty of Literature and Humanities, Urmia University, Iran گروه فقه و حقوق اسلامی، دانشکده ادبیات و علوم انسانی، دانشگاه ارومیه، ایران Salman Alipour سلمان علی پور s.alipour@urmia.ac.ir 100319475328460014252 100319475328460014252 No Department of Jurisprudence and Islamic Law, Faculty of Literature and Humanities, Urmia University, Iran گروه فقه و حقوق اسلامی، دانشکده ادبیات و علوم انسانی، دانشگاه ارومیه، ایران