نوع مقاله : پژوهشی
نویسندگان
1 استادیار ، گروه اقتصاد، دانشگاه علوم اسلامی رضوی، مشهد، ایران.
2 استادیار ، گروه فقه و اصول، جامعة المصطفی، مشهد، ایران.
3 دانشــجوی کارشناســی ارشــد، گــروه اقتصــاد، دانشــگاه علــوم اسلــامی رضــوی، مشــهد، ایــران
چکیده
کلیدواژه‌ها
عنوان مقاله [English]
نویسندگان [English]
The formalization of banking contracts represents one of the most detrimental challenges in riba-free banking. Investigating the existence of sham contracts is essential not only in bank–non-bank customer agreements but also within the interbank market. This research employs a descriptive methodology with an ijtihādī (juristic reasoning) approach to examine the potential for sham contract phenomena in Islamic repurchase agreements (repos) within Iran’s interbank market. Through library research and an analytical-deductive method, six criteria for sham contracts—derived from the opinions of Islamic jurists (fuqahā)—were systematically established. Applying these criteria to the operational guidelines of the interbank market reveals that the Islamic repo instrument is susceptible to sham contracting, as evidenced by: Parties’ lack of awareness regarding contractual terms, Frivolous collusion (muḥābat mabtazil), Non-adherence to customary prerequisites of genuine contracts, Discrepancy between contractual title and actual content Consequently, the repo mechanism in this market faces significant challenges related to contractual formalization.
کلیدواژه‌ها [English]
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