It also ensures that real asset and liability values are always equal, while prohibiting excessive leverage and several forms of complicated securitization. Moreover, Islamic finance is more equitable: lenders and borrowers share risks and rewards, which increases the focus on long-term goals and discourages excessive short-term risk-taking.
这创造了一个面对意料之外的冲击的灵活调整机制。这还保证了真实资产和债务价值永远相等，同时又制止了过度杠杆和各种各样的复杂证券化形式。此外，伊斯兰金融还更加公平：贷款人和借款人共担风险和盈利，因此能够更关注长期目标，抑制了过度承担短期风险的行为。