They therefore have strong incentives to evaluate financing requests carefully, and to assist borrowers in bad times, thus reducing the pressure to sell assets at “fire-sale” prices and minimizing the likelihood of financial contagion. Finally, the Islamic financial framework protects deposit balances, and prevents excessive credit growth.
简言之，伊斯兰金融机构向业务伙伴那样对待客户。因此，它们有很强的激励仔细评估融资要求，在坏光景降临时出手援助借款人，从而降低了“跳楼价”甩卖资产的压力，也让金融危机蔓延的可能性降到了最低。最后，伊斯兰金融框架保护存款余额，也防止过度信用增长。