تقييم السياسات التمويلية والاستثمارية للنظام المصرفي الاسلامي في ظل العولمة : دراسة حالة مصرف قطر الاسلامى وبنك قطر الدولي الاسلامى

Abstract

Abstract The banking and financial system of Qatar state is endowed in a flexibility to the utmost degree. Qatar applies free banking policy on the assumption that local currency (Riyal ) is a strong one ,as a result of the flexibility of Qatar Economy , Qatari govermnent does not impose taxes on individuals to attract investments . We can find that companies tax does not break bounds of 35%, Qatar high revenues come from gas an oil production. These revenues represent 40% of Domestic Product (GDP) in zooto . There are 14 commercial banks operating in Qatar, of which 7 are national including 2 Islamic banks‘ under Islamic jurisprudence all operating from 114 local branches Banks are getting more important in our Islamic world day afier day because they are a major indicators of economic developments of the states. The financial policy and activities of banking l system are clearly reflected in the country's economic plan therefore the countries of the world do its best to monitor financial institutions and its affiliated banks and to lay down systems and polices to protect the general banking system of the state. In agreement with the above mentioned, the target of this study is to spot light on the problems facing Islamic banks where researcher applies the study on Qatar state .The researcher selected Qatar Islamic Bank, Qatar Intemational Islamic Bank., thereupon , the researcher conclude to the following results : - 1-Islamic banks are faced with great challenges which come to light with the globalization . '

2-Islamic banks work hard to stand out against all challenges facing under shadow of globalization. 3. The studies have demonstrated that The services of Islamic banks have gained strength at variance what is expected to happen by the effects of globalization . 4. Qatar Islamic banks have participated in economic development inside an outside Qatar. I have concluded the [ollowing:- l- A lot of efforts should be exerted to advertise about an Islamic banks through satellite channels and web sites to provide necessary information and to provide about the sublime goals and functions of these banks to link religious aspect with materialistic one 2-we should pay attention to provide the customers of Islamic banks with awareness through cultural symposiums and meetings to make banking transactions easier and know how Islamic bank work. 3- To come to a specific an Islamic Fatwa related to Islamic banking transactions to lay down major foundations to be fed back and updated. 4-To make a link and a communication between Islamic banks to cooperate in implementing banking transactions to be used as a coverage banks and open accounts via inter-banks. 5- to prepare a circular symposiums , meetings of Islamic banks where the specialists , professors and banks to study the point of weakness and positives and banking matters during the operation implementations , particularly , under the infonnation technology .

6- To establish affiliate branches of an Islamic banks overseas and to establish Islamic banks in an European and Asian countries to be play the role of correspondents covering extemal transactions where there is an acute shortage in this field . 7 - Most of Islamic banks should be directed to establish a local investment filI1ClS in an intemational shares to make best use of banks’ liquidity and to expand in the market activities and to increase financial &investment services. 8- Islamic banks should cope gradually with the trends of globalization in the economy of the world and to cooperate to avoid the negative effects of an economic globalization and I think that the success of banking merging and the operation of international Islamic financial market under its specific criteria . 9- The Islamic banks should work hard to improve the administrative level and its technical operation. They should not just be financial channels but as investment tools to conduct these funds. consequently, Islamic banks should produce a variety of new baking products to be equal with other traditional banks products and more effective and consequently to enforce its Islamic financial skills . 10- The Islamic banks should have the ability to bear the risks through financial effectiveness and credit activities with its customers. The Islamic banks should use its best methods to face the challenges in this respect and to conduct these credits and risks price fluctuating in the markets . A specialized intemational Islamic agency should be established to evaluate and conduct risks inter- Islamic banks.