Moreover, mortgages, mutual insurance, leasing, and microfinance are underdeveloped in Islamic finance; insolvency and bankruptcy procedures must be improved; and mechanisms to deal with “Islamic bond” defaults must be established. Finally, Islamic financial institutions must address concerns about liquidity-risk management, compliance with Basel III (the Basel Committee on Banking Supervision’s most recent global regulatory standard), international accounting standards, and corporate governance.
此外，按揭、互助保险、租赁和微观金融在伊斯兰金融中还不发达；资不抵债和破产程序必须有所改进；应对“伊斯兰债券”违约的机制也必须设立。最后，伊斯兰金融机构必须解决好对流动性风险管理的担忧，执行巴塞尔III（即巴塞尔银行监督委员会最新的全球监管标准）、国际会计准则和公司治理。