{"id":6926,"date":"2025-02-03T08:45:25","date_gmt":"2025-02-03T01:45:25","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=6926"},"modified":"2025-02-03T08:45:25","modified_gmt":"2025-02-03T01:45:25","slug":"apa-itu-asuransi-mobil-syariah","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/zh\/apa-itu-asuransi-mobil-syariah\/","title":{"rendered":"\u4ec0\u9ebc\u662f\u4f0a\u65af\u862d\u6559\u6cd5\u6c7d\u8eca\u4fdd\u96aa\uff1f"},"content":{"rendered":"

Liga Asuransi<\/span><\/a> – \u5728\u65e5\u5e38\u751f\u6d3b\u4e2d\uff0c\u8eca\u8f1b\u662f\u5bf6\u8cb4\u7684\u8cc7\u7522\uff0c\u5fc5\u9808\u53d7\u5230\u4fdd\u8b77\uff0c\u514d\u53d7\u4e8b\u6545\u3001\u76dc\u7aca\u6216\u81ea\u7136\u707d\u5bb3\u7b49\u5404\u7a2e\u98a8\u96aa\u7684\u5f71\u97ff\u3002 <\/span>\u6c7d\u8eca\u4fdd\u96aa<\/span><\/a> \u4f0a\u65af\u862d\u6559\u6cd5\u4f5c\u70ba\u4e00\u7a2e\u4fdd\u8b77\u89e3\u6c7a\u65b9\u6848\u800c\u5b58\u5728\uff0c\u4e0d\u50c5\u63d0\u4f9b\u8ca1\u52d9\u5b89\u5168\uff0c\u800c\u4e14\u7b26\u5408\u4f0a\u65af\u862d\u539f\u5247\u3002<\/span><\/p>\n

\u6b64\u4fdd\u96aa\u57fa\u65bc\u4e92\u52a9\u5236\u5ea6\uff08tabarru’\uff09\uff0c\u53c3\u8207\u8005\u900f\u904e\u5c07\u90e8\u5206\u7e73\u6b3e\u5b58\u5165\u806f\u5408\u57fa\u91d1\u4f86\u5e6b\u52a9\u5f7c\u6b64\u627f\u64d4\u98a8\u96aa\u3002\u7136\u5f8c\uff0c\u9019\u4e9b\u8cc7\u91d1\u7531\u4fdd\u96aa\u516c\u53f8\u4f5c\u70ba\u7d93\u7406\uff08\u4ee3\u8868\uff09\u9032\u884c\u7ba1\u7406\uff0c\u78ba\u4fdd\u53ef\u4ee5\u5411\u906d\u53d7\u707d\u96e3\u7684\u53c3\u8207\u8005\u652f\u4ed8\u7d22\u8ce0\u3002\u6709\u4e86\u9019\u500b\u7cfb\u7d71\uff0c <\/span>\u4f0a\u65af\u862d\u6559\u6c7d\u8eca\u4fdd\u96aa\u662f\u514d\u8cbb\u7684<\/b> \u907f\u514d\u4f0a\u65af\u862d\u6559\u6240\u7981\u6b62\u7684\u9ad8\u5229\u8cb8\u3001\u4e0d\u78ba\u5b9a\u6027\u548c\u6295\u6a5f\u7b49\u56e0\u7d20\u3002<\/span><\/p>\n

 <\/p>\n

\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u7684\u5b9a\u7fa9\u548c\u57fa\u672c\u539f\u5247<\/span><\/h3>\n

\u6c7d\u8eca\u4fdd\u96aa Sharia \u662f\u8eca\u8f1b\u4fdd\u8b77\u89e3\u6c7a\u65b9\u6848\uff0c\u4e0d\u50c5\u63d0\u4f9b\u8ca1\u52d9\u5b89\u5168\uff0c\u800c\u4e14\u7b26\u5408\u4f0a\u65af\u862d\u539f\u5247\u3002\u9019\u500b\u6982\u5ff5\u78ba\u4fdd\u4fdd\u96aa\u4ea4\u6613\u4e0d\u5b58\u5728\u4f0a\u65af\u862d\u6559\u7fa9\u6240\u7981\u6b62\u7684 riba\uff08\u5229\u606f\uff09\u3001gharar\uff08\u4e0d\u78ba\u5b9a\u6027\uff09\u548c maysir\uff08\u6295\u6a5f\uff09\u56e0\u7d20\u3002<\/span><\/p>\n

 <\/p>\n

\u4e86\u89e3\u4f0a\u65af\u862d\u6559\u6cd5\u6c7d\u8eca\u4fdd\u96aa<\/span><\/h3>\n

\u7c21\u800c\u8a00\u4e4b\uff0c\u4f0a\u65af\u862d\u6559\u6c7d\u8eca\u4fdd\u96aa\u662f\u4e00\u7a2e\u57fa\u65bc\u53c3\u8207\u8005\u4e4b\u9593\u4e92\u52a9 (ta’awun) \u539f\u5247\u7684\u8eca\u8f1b\u4fdd\u8b77\u5f62\u5f0f\u3002\u5728\u8a72\u8a08\u5283\u4e2d\uff0c\u53c3\u8207\u8005\u5b58\u5165\u6350\u6b3e\uff08tabarru’\u8cc7\u91d1\uff09\uff0c\u7528\u65bc\u5e6b\u52a9\u906d\u53d7\u707d\u96e3\uff08\u4f8b\u5982\u4e8b\u6545\u6216\u8eca\u8f1b\u76dc\u7aca\uff09\u7684\u5176\u4ed6\u6210\u54e1\u3002<\/span><\/p>\n

\u8207\u50b3\u7d71\u4fdd\u96aa\u4e0d\u540c\u7684\u662f\uff0c\u6240\u652f\u4ed8\u7684\u4fdd\u8cbb\u6210\u70ba\u4fdd\u96aa\u516c\u53f8\u7684\u5168\u90e8\u6b0a\u5229\uff0c\u800c\u5728\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u4e2d\uff0c\u8cc7\u91d1\u4ecd\u7136\u662f\u53c3\u8207\u8005\u7684\u8ca1\u7522\uff0c\u4e26\u4e14\u50c5\u7531\u4fdd\u96aa\u516c\u53f8\u4f5c\u70ba\u4ee3\u8868\u6216\u7d93\u7406\uff08\u56de\u6559\u4fdd\u96aa\u904b\u71df\u5546\uff09\u9032\u884c\u7ba1\u7406\u3002\u9019\u5275\u9020\u4e86\u8cc7\u91d1\u7ba1\u7406\u7684\u900f\u660e\u5ea6\uff0c\u4e26\u78ba\u4fdd\u591a\u9918\u7684\u8cc7\u91d1\u4e0d\u5b8c\u5168\u6b78\u516c\u53f8\u6240\u6709\uff0c\u4f46\u5982\u679c\u5728\u4e00\u5b9a\u6642\u671f\u5167\u6c92\u6709\u5927\u984d\u7d22\u8ce0\uff0c\u5247\u53ef\u4ee5\u4ee5\u627f\u4fdd\u76c8\u9918\u7684\u5f62\u5f0f\u8fd4\u9084\u7d66\u53c3\u8207\u8005\u3002<\/span><\/p>\n

\u63db\u53e5\u8a71\u8aaa\uff0c\u4f0a\u65af\u862d\u6559\u6c7d\u8eca\u4fdd\u96aa\u63d0\u4f9b\u7b26\u5408\u4f0a\u65af\u862d\u50f9\u503c\u89c0\u7684\u8eca\u8f1b\u4fdd\u8b77\u4fdd\u8b49\uff0c\u6240\u6709\u4ea4\u6613\u5747\u4ee5\u660e\u78ba\u7684\u5408\u7d04\u9032\u884c\uff0c\u4e14\u4e0d\u542b\u9055\u7981\u6210\u5206\u3002<\/span><\/p>\n

 <\/p>\n

\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u7684\u57fa\u672c\u539f\u5247<\/span><\/h3>\n

\u70ba\u4e86\u78ba\u4fdd\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u5236\u5ea6\u4f9d\u7167\u4f0a\u65af\u862d\u6559\u898f\u5b9a\u904b\u884c\uff0c\u6709\u5e7e\u9805\u57fa\u672c\u539f\u5247\u69cb\u6210\u5176\u904b\u4f5c\u7684\u57fa\u790e\uff1a<\/span><\/p>\n

\u2705<\/span> Tabarru’\uff08\u5e6b\u52a9-\u5e6b\u52a9\uff09<\/span><\/p>\n

\u4fdd\u96aa\u53c3\u8207\u8005\u5c07\u5176\u8cc7\u91d1\u7559\u51fa\u4f5c\u70ba\u81ea\u9858\u6350\u6b3e\uff0c\u7528\u65bc\u5e6b\u52a9\u906d\u53d7\u707d\u96e3\u7684\u5176\u4ed6\u6210\u54e1\u3002<\/span><\/p>\n

\u9019\u500b\u6982\u5ff5\u6d88\u9664\u4e86\u50b3\u7d71\u4fdd\u96aa\u4e2d\u7684\u8cb7\u8ce3\u98a8\u96aa\u56e0\u7d20\u3002<\/span><\/p>\n

\u2705<\/span> Mudharabah \u6216 Wakalah bill Ujrah<\/span><\/p>\n

\u5728\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u4e2d\uff0c\u516c\u53f8\u5145\u7576\u57fa\u91d1\u7d93\u7406\uff0c\u800c\u4e0d\u662f\u57fa\u91d1\u6240\u6709\u8005\u3002<\/span><\/p>\n

    \n
  1. Mudharabah\uff1a\u516c\u53f8\u7ba1\u7406\u53c3\u8207\u8005\u8cc7\u91d1\uff0c\u4e26\u4f9d\u7167\u5354\u8b70\u5206\u4eab\u5229\u6f64\u3002<\/span><\/li>\n
  2. Wakalah bill Ujrah\uff1a\u53c3\u8207\u8005\u4fe1\u4efb\u516c\u53f8\u900f\u904e\u6536\u8cbb\u6216 ujrah \u7cfb\u7d71\u7ba1\u7406\u8cc7\u91d1\u3002<\/span><\/li>\n<\/ol>\n

    \u2705<\/span> \u627f\u4fdd\u76c8\u9918\u5206\u914d<\/span><\/p>\n

    \u5982\u679c\u5728\u4e00\u500b\u6642\u671f\u5167\u63d0\u4ea4\u7684\u7d22\u8ce0\u6578\u91cf\u4e0d\u591a\uff0c\u5247\u6536\u53d6\u7684\u627f\u4fdd\u76c8\u9918\u5c07\u91cd\u65b0\u5206\u914d\u7d66\u53c3\u8207\u8005\u6216\u7528\u65bc\u516c\u5171\u5229\u76ca\u3002<\/span><\/p>\n

    \u9019\u78ba\u4fdd\u53c3\u8207\u8005\u5373\u4f7f\u4e0d\u63d0\u4ea4\u7d22\u8ce0\uff0c\u4ecd\u7136\u53ef\u4ee5\u7372\u5f97\u798f\u5229\u3002<\/span><\/p>\n

    \u6839\u64da\u9019\u9805\u539f\u5247\uff0c\u8207\u4ee5\u516c\u53f8\u5229\u6f64\u70ba\u5c0e\u5411\u7684\u50b3\u7d71\u4fdd\u96aa\u76f8\u6bd4\uff0c\u4f0a\u65af\u862d\u6559\u6c7d\u8eca\u4fdd\u96aa\u66f4\u52a0\u91cd\u8996\u516c\u6b63\u548c\u900f\u660e\u5ea6\u3002<\/span><\/p>\n

     <\/p>\n

    \u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u7684\u8cc7\u91d1\u5982\u4f55\u7ba1\u7406\uff1f<\/span><\/h3>\n

    \u4f0a\u65af\u862d\u6559\u8eca\u8f1b\u4fdd\u96aa\u7684\u8cc7\u91d1\u7ba1\u7406\u4ee5\u900f\u660e\u7684\u65b9\u5f0f\u9032\u884c\uff0c\u4e26\u7b26\u5408\u4f0a\u65af\u862d\u6559\u539f\u5247\u3002\u4ee5\u4e0b\u662f\u8cc7\u91d1\u7ba1\u7406\u7684\u4e3b\u8981\u968e\u6bb5\uff1a<\/span><\/p>\n

      \n
    1. \u53c3\u8207\u8005\u5411 Tabarru’ \u57fa\u91d1\u6350\u6b3e<\/span><\/li>\n<\/ol>\n

      \u6bcf\u4f4d\u53c3\u8207\u8005\u90fd\u6703\u64a5\u51fa\u4e00\u5b9a\u91d1\u984d\u7684\u6350\u6b3e\uff0c\u9019\u4e9b\u6350\u6b3e\u96a8\u5f8c\u5c07\u7528\u65bc\u5e6b\u52a9\u8655\u65bc\u5371\u96aa\u4e2d\u7684\u5176\u4ed6\u6210\u54e1\u3002<\/span><\/p>\n

        \n
      1. \u4fdd\u96aa\u516c\u53f8\u64d4\u4efb\u57fa\u91d1\u7ba1\u7406\u4eba\uff08\u526f\uff09<\/span><\/li>\n<\/ol>\n

        \u4fdd\u96aa\u516c\u53f8\u4e0d\u64c1\u6709\u53c3\u8207\u8005\u8cc7\u91d1\uff0c\u800c\u50c5\u5145\u7576\u7ba1\u7406\u8005\uff08\u56de\u6559\u4fdd\u96aa\u696d\u8005\uff09\u3002<\/span><\/p>\n

        \u57fa\u91d1\u7ba1\u7406\u4f9d\u7167\u4f0a\u65af\u862d\u6559\u6cd5\u539f\u5247\u9032\u884c\uff0c\u4e26\u63a5\u53d7\u4f0a\u65af\u862d\u6559\u6cd5\u76e3\u4e8b\u6703\uff08DPS\uff09\u7684\u76e3\u7763\u3002<\/span><\/p>\n

          \n
        1. \u5411 Tabarru’ \u57fa\u91d1\u7d22\u53d6\u4ed8\u6b3e<\/span><\/li>\n<\/ol>\n

          \u5982\u679c\u53c3\u8207\u8005\u767c\u751f\u4e8b\u6545\u6216\u4e1f\u5931\u8eca\u8f1b\uff0c\u7d22\u8ce0\u5c07\u5f9e tabarru \u6536\u96c6\u7684\u8cc7\u91d1\u4e2d\u652f\u4ed8\u3002<\/span><\/p>\n

            \n
          1. \u627f\u4fdd\u76c8\u9918\u8fd4\u9084\u7d66\u53c3\u8207\u8005<\/span><\/li>\n<\/ol>\n

            \u5982\u679c\u4e00\u6bb5\u6642\u9593\u5167\u6c92\u6709\u767c\u751f\u91cd\u5927\u7d22\u8ce0\uff0c\u5269\u9918\u8cc7\u91d1\u5c07\u6309\u7167\u5354\u8b70\u8fd4\u9084\u7d66\u53c3\u8207\u8005\u6216\u7528\u65bc\u5171\u540c\u5229\u76ca\u3002<\/span><\/p>\n

            \u6709\u4e86\u9019\u500b\u7cfb\u7d71\uff0c\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u6bd4\u50b3\u7d71\u4fdd\u96aa\u63d0\u4f9b\u4e86\u66f4\u9ad8\u7684\u6b63\u7fa9\u611f\uff0c\u56e0\u70ba\u53c3\u8207\u8005\u4ecd\u7136\u6709\u6b0a\u7372\u5f97\u4ed6\u5011\u5b58\u5165\u7684\u8cc7\u91d1\uff0c\u4e26\u5728\u6c92\u6709\u7d22\u8ce0\u767c\u751f\u7684\u60c5\u6cc1\u4e0b\u7372\u5f97\u66f4\u5927\u7684\u5229\u76ca\u3002<\/span><\/p>\n

             <\/p>\n

            \u4f0a\u65af\u862d\u6559\u6cd5\u8207\u50b3\u7d71\u6c7d\u8eca\u4fdd\u96aa\u7684\u5340\u5225<\/span><\/h3>\n

            \u5728\u9078\u64c7\u8eca\u8f1b\u4fdd\u96aa\u6642\uff0c\u8a31\u591a\u4eba\u5c0d\u4f0a\u65af\u862d\u6559\u6cd5\u6c7d\u8eca\u4fdd\u96aa\u548c\u50b3\u7d71\u4fdd\u96aa\u611f\u5230\u56f0\u60d1\u3002\u5169\u8005\u90fd\u6709\u76f8\u540c\u7684\u76ee\u6a19\uff0c\u5373\u91dd\u5c0d\u4e8b\u6545\u3001\u76dc\u7aca\u6216\u8eca\u8f1b\u640d\u58de\u7684\u98a8\u96aa\u63d0\u4f9b\u8ca1\u52d9\u4fdd\u8b77\u3002\u4f46\u5728\u7ba1\u7406\u5236\u5ea6\u3001\u5408\u7d04\u3001\u8cc7\u91d1\u6b78\u5c6c\u3001\u4f7f\u7528\u539f\u5247\u7b49\u65b9\u9762\u5b58\u5728\u6839\u672c\u5dee\u7570\u3002<\/span><\/p>\n

            \u5c0d\u65bc\u90a3\u4e9b\u60f3\u66f4\u6df1\u5165\u4e86\u89e3\u5dee\u7570\u7684\u4eba\uff0c\u4ee5\u4e0b\u662f\u6839\u64da\u4fdd\u96aa\u7ba1\u7406\u7684\u4e3b\u8981\u65b9\u9762\u5c0d\u4f0a\u65af\u862d\u6559\u6cd5\u548c\u50b3\u7d71\u8eca\u8f1b\u4fdd\u96aa\u9032\u884c\u7684\u6bd4\u8f03\uff1a<\/span><\/p>\n

              \n
            • \u7ba1\u7406\u7cfb\u7d71\uff1a\u5e6b\u52a9\u8207\u516c\u53f8\u5229\u6f64<\/b><\/li>\n<\/ul>\n

              \u5728\u4f0a\u65af\u862d\u6559\u6c7d\u8eca\u4fdd\u96aa\u4e2d\uff0c\u7ba1\u7406\u7cfb\u7d71\u662f\u57fa\u65bc\u4e92\u52a9\uff08tabarru’\uff09\u7684\u6982\u5ff5\uff0c\u53c3\u8207\u8005\u5c07\u8cc7\u91d1\u5b58\u5165\u806f\u5408\u5e33\u6236\uff0c\u7528\u65bc\u5e6b\u52a9\u906d\u53d7\u707d\u96e3\u7684\u5176\u4ed6\u53c3\u8207\u8005\u3002\u4fdd\u96aa\u516c\u53f8\u50c5\u5145\u7576\u57fa\u91d1\u7ba1\u7406\u4eba\uff0c\u800c\u975e\u57fa\u91d1\u6240\u6709\u8005\u3002<\/span><\/p>\n

              \u540c\u6642\uff0c\u50b3\u7d71\u4fdd\u96aa\u4ee5\u5546\u696d\u5229\u6f64\u70ba\u5c0e\u5411\u3002\u53c3\u8207\u8005\u6240\u7e73\u7d0d\u7684\u4fdd\u8cbb\u6210\u70ba\u4fdd\u96aa\u516c\u53f8\u7684\u5168\u90e8\u6b0a\u5229\uff0c\u5176\u7ba1\u7406\u4e26\u4e0d\u7e3d\u662f\u900f\u660e\u7684\u3002\u5982\u679c\u6c92\u6709\u7d22\u8ce0\uff0c\u8cc7\u91d1\u4ecd\u7136\u662f\u516c\u53f8\u7684\u8ca1\u7522\uff0c\u4e0d\u6703\u9000\u9084\u7d66\u53c3\u8207\u8005\u3002<\/span><\/p>\n

                \n
              • \u4f0a\u65af\u862d\u6559\u6cd5\u5408\u7d04\u8207\u50b3\u7d71\u4fdd\u96aa<\/b><\/li>\n<\/ul>\n

                \u5728\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u4e2d\uff0c\u4f7f\u7528\u5169\u7a2e\u985e\u578b\u7684\u5408\u7d04\uff1a<\/span><\/p>\n

                \u2705<\/span> Wakalah bill Ujrah\uff08\u4ee3\u8868\u5354\u8b70\uff09\u2192 \u53c3\u8207\u8005\u5411\u516c\u53f8\u63d0\u4f9b\u4fe1\u8a17\u4ee5\u7ba1\u7406\u8cc7\u91d1\uff0c\u4ee5\u63db\u53d6\u8cbb\u7528\uff08ujrah\uff09\u3002<\/span><\/p>\n

                \u2705<\/span> Mudharabah\uff08\u5229\u6f64\u5206\u4eab\u5354\u8b70\uff09 \u2192 \u7ba1\u7406\u6295\u8cc7\u57fa\u91d1\u7684\u5229\u6f64\u6839\u64da\u5354\u8b70\u5728\u53c3\u8207\u8005\u548c\u516c\u53f8\u4e4b\u9593\u5206\u4eab\u3002<\/span><\/p>\n

                \u76f8\u8f03\u4e4b\u4e0b\uff0c\u50b3\u7d71\u4fdd\u96aa\u63a1\u7528\u8cb7\u8ce3\u5354\u8b70\uff0c\u53c3\u8207\u8005\u4ee5\u4e00\u5b9a\u7684\u50f9\u683c\uff08\u4fdd\u8cbb\uff09\u5411\u516c\u53f8\u8cfc\u8cb7\u4fdd\u969c\uff0c\u98a8\u96aa\u5247\u5b8c\u5168\u8f49\u79fb\u7d66\u4fdd\u96aa\u516c\u53f8\u3002<\/span><\/p>\n

                  \n
                • \u5229\u6f64\u5206\u4eab\u548c\u627f\u4fdd\u76c8\u9918<\/b><\/li>\n<\/ul>\n

                  \u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u7684\u512a\u9ede\u4e4b\u4e00\u662f\u5c07\u627f\u4fdd\u76c8\u9918\u5206\u914d\u7d66\u53c3\u8207\u8005\u3002\u5982\u679c\u5728\u4e00\u500b\u6642\u671f\u5167\u63d0\u4ea4\u7684\u7d22\u8ce0\u5c0f\u65bc\u53ef\u7528\u7684 tabarru’ \u8cc7\u91d1\uff0c\u5247\u8d85\u51fa\u7684\u8cc7\u91d1\u5c07\u70ba\uff1a<\/span><\/p>\n

                  \u2714<\/span> \u4ea4\u56de\u7d66\u672a\u63d0\u4ea4\u7d22\u8ce0\u7684\u53c3\u8207\u8005\u3002<\/span><\/p>\n

                  \u2714<\/span> \u5132\u5b58\u5728tabarru’\u5e33\u6236\u4e2d\u4ee5\u5099\u5c07\u4f86\u9700\u8981\u3002<\/span><\/p>\n

                  \u2714<\/span> \u7528\u65bc\u5728\u7dca\u6025\u60c5\u6cc1\u4e0b\u5e6b\u52a9\u5176\u4ed6\u53c3\u8207\u8005\u3002<\/span><\/p>\n

                  \u53e6\u4e00\u65b9\u9762\uff0c\u5728\u50b3\u7d71\u4fdd\u96aa\u4e2d\uff0c\u7121\u4eba\u8a8d\u9818\u4fdd\u8cbb\u7684\u6240\u6709\u5229\u6f64\u5b8c\u5168\u5c6c\u65bc\u4fdd\u96aa\u516c\u53f8\u3002\u5982\u679c\u53c3\u8207\u8005\u5728\u4fdd\u55ae\u671f\u9593\u5167\u672a\u63d0\u4ea4\u7d22\u8ce0\uff0c\u5247\u4e0d\u6703\u7372\u5f97\u798f\u5229\u3002<\/span><\/p>\n

                    \n
                  • \u4f0a\u65af\u862d\u6559\u6cd5\u548c\u50b3\u7d71\u4fdd\u96aa\u4e2d\u7684\u57fa\u91d1\u6240\u6709\u6b0a<\/b><\/li>\n<\/ul>\n

                    \u53e6\u4e00\u500b\u6839\u672c\u5340\u5225\u5728\u65bc\u6ea2\u50f9\u57fa\u91d1\u7684\u6240\u6709\u6b0a\u3002<\/span><\/p>\n

                    \ud83d\udd39<\/span> \u5728\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u4e2d\uff0c\u8cc7\u91d1\u4ecd\u7136\u662f\u53c3\u8207\u8005\u7684\u8ca1\u7522\uff0c\u50c5\u7531\u516c\u53f8\u4f5c\u70ba\u4ee3\u8868\uff08mudharib \u4ee3\u8868\uff09\u7ba1\u7406\u3002\u5982\u679c\u6c92\u6709\u7d22\u8ce0\uff0c\u53c3\u8207\u8005\u6709\u6b0a\u7372\u5f97\u591a\u9918\u7684\u8cc7\u91d1\u3002<\/span><\/p>\n

                    \ud83d\udd39<\/span> \u5728\u50b3\u7d71\u4fdd\u96aa\u4e2d\uff0c\u652f\u4ed8\u7684\u4fdd\u8cbb\u76f4\u63a5\u6210\u70ba\u516c\u53f8\u7684\u8ca1\u7522\u3002\u5982\u679c\u53c3\u8207\u8005\u672a\u63d0\u4ea4\u7d22\u8ce0\uff0c\u5247\u4e0d\u5b58\u5728\u9000\u6b3e\u6a5f\u5236\u3002<\/span><\/p>\n

                      \n
                    • \u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u4e2d\u6e05\u771f\u7684\u4ea4\u6613<\/b><\/li>\n<\/ul>\n

                      \u50b3\u7d71\u4fdd\u96aa\u901a\u5e38\u5305\u542b riba\uff08\u5229\u606f\uff09\u5143\u7d20\uff0c\u56e0\u70ba\u516c\u53f8\u5c07\u4fdd\u8cbb\u8cc7\u91d1\u6295\u8cc7\u65bc\u5305\u542b\u5229\u606f\u7684\u5de5\u5177\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u9084\u5b58\u5728\u6f5b\u5728\u7684\u300cgharar\u300d\uff08\u4e0d\u78ba\u5b9a\u6027\uff09\uff0c\u56e0\u70ba\u53c3\u8207\u8005\u4e0d\u78ba\u5b9a\u4ed6\u5011\u7684\u8cc7\u91d1\u662f\u5982\u4f55\u7ba1\u7406\u7684\uff0c\u4ee5\u53ca\u300cmaysir\u300d\uff08\u6295\u6a5f\uff09\uff0c\u56e0\u70ba\u5728\u6c92\u6709\u771f\u6b63\u5408\u4f5c\u7684\u60c5\u6cc1\u4e0b\u5b58\u5728\u5229\u6f64\u56e0\u7d20\u3002<\/span><\/p>\n

                      \u76f8\u8f03\u4e4b\u4e0b\uff0c\u5728\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u4e2d\uff0c\u6240\u6709\u4ea4\u6613\u5747\u7531\u4f0a\u65af\u862d\u6559\u6cd5\u76e3\u4e8b\u6703\uff08DPS\uff09\u76e3\u7763\uff0c\u4ee5\u78ba\u4fdd\u8cc7\u91d1\u6309\u7167\u4f0a\u65af\u862d\u6559\u6cd5\u9032\u884c\u7ba1\u7406\u3002\u8cc7\u91d1\u50c5\u6295\u8cc7\u65bc\u6e05\u771f\u5de5\u5177\uff0c\u4f8b\u5982\u56de\u6559\u50b5\u5238\u6216\u4f0a\u65af\u862d\u6559\u80a1\u7968\uff0c\u4e14\u4e0d\u542b\u9ad8\u5229\u8cb8\u6216\u6295\u6a5f\u6210\u5206\u3002<\/span><\/p>\n

                       <\/p>\n

                      \u54ea\u500b\u66f4\u9069\u5408\u60a8\uff1f<\/b><\/p>\n

                      \ud83d\udc49<\/span> \u82e5\u7b26\u5408\u4ee5\u4e0b\u689d\u4ef6\uff0c\u8acb\u9078\u64c7\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\uff1a<\/span><\/p>\n

                      \u2714<\/span> \u60a8\u9700\u8981\u57fa\u65bc\u4f0a\u65af\u862d\u6559\u6cd5\u7684\u4e92\u52a9\u7cfb\u7d71\u4fdd\u8b77\u3002<\/span><\/p>\n

                      \u2714<\/span> \u60a8\u5e0c\u671b\u8cc7\u91d1\u7ba1\u7406\u5177\u6709\u900f\u660e\u5ea6\u3002<\/span><\/p>\n

                      \u2714<\/span> \u5982\u679c\u6c92\u6709\u7d22\u8ce0\uff0c\u60a8\u5e0c\u671b\u5f9e\u627f\u4fdd\u76c8\u9918\u4e2d\u53d7\u76ca\u3002<\/span><\/p>\n

                       <\/p>\n

                      \ud83d\udc49<\/span> \u82e5\u51fa\u73fe\u4ee5\u4e0b\u60c5\u6cc1\uff0c\u8acb\u9078\u64c7\u50b3\u7d71\u4fdd\u96aa\uff1a<\/span><\/p>\n

                      \u2714<\/span> \u60a8\u512a\u5148\u8003\u616e\u9748\u6d3b\u6027\uff0c\u800c\u4e0d\u8003\u616e\u4f0a\u65af\u862d\u6559\u6cd5\u3002<\/span><\/p>\n

                      \u2714<\/span> \u4f60\u4e0d\u4ecb\u610f\u5b8c\u5168\u638c\u63e1\u5728\u4fdd\u96aa\u516c\u53f8\u624b\u4e2d\u7684\u8cc7\u91d1\u6240\u6709\u6b0a\u5236\u5ea6\u3002<\/span><\/p>\n

                      \u2714<\/span> \u60a8\u66f4\u95dc\u6ce8\u4fdd\u8b77\u65b9\u9762\u800c\u4e0d\u662f\u8cc7\u91d1\u7ba1\u7406\u65b9\u9762\u3002<\/span><\/p>\n

                       <\/p>\n

                      \u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u4e2d\u7684\u4e92\u52a9\u7cfb\u7d71 (Tabarru’) \u5982\u4f55\u904b\u4f5c\uff1f<\/span><\/h3>\n

                      \u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u8207\u50b3\u7d71\u4fdd\u96aa\u7684\u4e3b\u8981\u5340\u5225\u4e4b\u4e00\u662f\u8cc7\u91d1\u7ba1\u7406\u7cfb\u7d71\u3002\u5728\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u4e2d\uff0c\u4f7f\u7528\u7684\u4e3b\u8981\u6982\u5ff5\u662f\u201ctabarru\u201d\uff0c\u5373\u53c3\u8207\u8005\u4e4b\u9593\u9762\u5c0d\u98a8\u96aa\u6642\u7684\u4e92\u52a9\u7cfb\u7d71\u3002\u8207\u57fa\u65bc\u98a8\u96aa\u8cb7\u8ce3\u5354\u8b70\u904b\u4f5c\u7684\u50b3\u7d71\u4fdd\u96aa\u76f8\u6bd4\uff0c\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u4e0d\u5b58\u5728\u98a8\u96aa\u8cb7\u8ce3\u7684\u56e0\u7d20\uff0c\u800c\u662f\u70ba\u4e86\u5171\u540c\u5229\u76ca\u5171\u540c\u5206\u64d4\u98a8\u96aa\u3002<\/span><\/p>\n

                        \n
                      • \u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u4e2d Tabarru’ \u7684\u57fa\u672c\u6982\u5ff5<\/b><\/li>\n<\/ul>\n

                        Tabarru’\u6e90\u81ea\u963f\u62c9\u4f2f\u8a9e\uff0c\u610f\u601d\u662f\u300c\u81ea\u9858\u4ed8\u51fa\uff0c\u4e0d\u6c42\u4efb\u4f55\u56de\u5831\u300d\u3002\u5728\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u7684\u80cc\u666f\u4e0b\uff0c\u300ctabarru\u300d\u6307\u7684\u662f\u53c3\u8207\u8005\u70ba\u300ctabarru\u300d\u57fa\u91d1\u9810\u7559\u7684\u6350\u6b3e\uff0c\u7528\u65bc\u5e6b\u52a9\u5176\u4ed6\u906d\u53d7\u707d\u96e3\u7684\u53c3\u8207\u8005\u3002<\/span><\/p>\n

                        Tabarru’ \u7cfb\u7d71\u5982\u4f55\u904b\u4f5c\uff1f<\/span><\/p>\n

                          \n
                        1. \u6bcf\u4f4d\u53c3\u8207\u8005\u90fd\u6703\u5411 tabarru \u57fa\u91d1\u8ca2\u737b\u4e00\u90e8\u5206\u6350\u6b3e\u3002\u9019\u4e9b\u8cc7\u91d1\u6536\u96c6\u5728\u4e00\u500b\u806f\u540d\u5e33\u6236\u4e2d\uff0c\u4e26\u7531\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u516c\u53f8\u7ba1\u7406\u3002<\/span><\/li>\n
                        2. \u5982\u679c\u5176\u4e2d\u4e00\u540d\u53c3\u8207\u8005\u906d\u9047\u707d\u96e3\uff0c\u7d22\u8ce0\u5c07\u5f9e tabarru’ \u57fa\u91d1\u4e2d\u652f\u4ed8\u3002<\/span><\/li>\n
                        3. \u9019\u4e9b\u8cc7\u91d1\u4e0d\u5c6c\u65bc\u4fdd\u96aa\u516c\u53f8\u6240\u6709\uff0c\u4f46\u4ecd\u5c6c\u65bc\u51fa\u8cc7\u53c3\u8207\u8005\u7684\u6b0a\u5229\u3002<\/span><\/li>\n
                        4. \u5982\u679c\u4e00\u6bb5\u6642\u9593\u5167\u6c92\u6709\u5927\u984d\u7406\u8ce0\uff0c\u627f\u4fdd\u76c8\u9918\u5c07\u9000\u9084\u7d66\u672a\u63d0\u4ea4\u7406\u8ce0\u7684\u53c3\u8207\u8005\u3002<\/span><\/li>\n
                        5. \u627f\u4fdd\u76c8\u9918\u662f\u6263\u9664\u7406\u8ce0\u4ed8\u6b3e\u548c\u4fdd\u96aa\u516c\u53f8\u71df\u904b\u6210\u672c\u5f8c\u5269\u9918\u672a\u4f7f\u7528\u7684tabarru \u8cc7\u91d1\u3002<\/span><\/li>\n
                        6. \u76c8\u9918\u5206\u914d\u53ef\u4ee5\u4ee5\u4e0b\u4e00\u671f\u7e73\u8cbb\u6298\u6263\u7684\u5f62\u5f0f\u9032\u884c\uff0c\u4e5f\u53ef\u4ee5\u4ee5\u73fe\u91d1\u5f62\u5f0f\u5206\u914d\u7d66\u53c3\u8207\u8005\u3002<\/span><\/li>\n
                        7. \u6709\u4e86\u9019\u500b\u7cfb\u7d71\uff0c\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u5c31\u66f4\u52a0\u516c\u5e73\u548c\u900f\u660e\uff0c\u56e0\u70ba\u53c3\u8207\u8005\u4ecd\u7136\u6709\u6b0a\u7372\u5f97\u4ed6\u5011\u5b58\u5165\u7684\u8cc7\u91d1\u3002<\/span><\/li>\n<\/ol>\n

                          <\/b><\/p>\n

                            \n
                          • \u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u7684\u7d22\u8ce0\u6d41\u7a0b<\/b><\/li>\n<\/ul>\n

                            \u7576\u53c3\u8207\u8005\u9047\u5230\u4e8b\u6545\u6216\u8eca\u8f1b\u907a\u5931\u7b49\u98a8\u96aa\u6642\uff0c\u4ed6\u5011\u53ef\u4ee5\u5411\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u516c\u53f8\u63d0\u51fa\u7d22\u8ce0\u3002\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u7684\u7d22\u8ce0\u6d41\u7a0b\u8207\u50b3\u7d71\u4fdd\u96aa\u985e\u4f3c\uff0c\u4f46\u539f\u5247\u4e0d\u540c\u3002<\/span><\/p>\n

                            \u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u7684\u7d22\u8ce0\u6b65\u9a5f\uff1a<\/span><\/p>\n

                            \u2705<\/span> \u7d93\u6b77\u707d\u96e3\u7684\u53c3\u8207\u8005\u63d0\u4ea4\u7d22\u8ce0\u3002<\/span><\/p>\n

                            \u53c3\u8cfd\u8005\u5fc5\u9808\u6309\u7167\u9069\u7528\u7684\u7a0b\u5e8f\u63d0\u4ea4\u7d22\u8ce0\uff0c\u4f8b\u5982\u5728\u898f\u5b9a\u6642\u9593\u5167\u586b\u5beb\u7d22\u8ce0\u6587\u4ef6\u4e26\u5831\u544a\u4e8b\u4ef6\u3002<\/span><\/p>\n

                            \u2705<\/span> Tabarru \u7684\u8cc7\u91d1\u7528\u65bc\u652f\u4ed8\u53c3\u8207\u8005\u7684\u7d22\u8ce0\u3002<\/span><\/p>\n

                            \u7d22\u8ce0\u6587\u4ef6\u6838\u5be6\u5f8c\uff0c\u7d22\u8ce0\u4ed8\u6b3e\u5c07\u5f9e\u6240\u6709\u53c3\u8207\u8005\u7c4c\u96c6\u7684 tabarru \u8cc7\u91d1\u4e2d\u652f\u4ed8\u3002<\/span><\/p>\n

                            \u2705<\/span> \u5982\u679c\u4e00\u5b9a\u671f\u9650\u5167\u6c92\u6709\u767c\u751f\u5927\u984d\u7d22\u8ce0\uff0c\u627f\u4fdd\u76c8\u9918\u5c07\u56de\u994b\u7d66\u53c3\u8207\u8005\u3002<\/span><\/p>\n

                            \u672a\u63d0\u51fa\u7d22\u8ce0\u7684\u53c3\u8207\u8005\u6709\u6b0a\u6309\u7167\u5354\u8b70\u8fd4\u9084\u627f\u4fdd\u76c8\u9918\u3002<\/span><\/p>\n

                            \u9019\u500b\u7cfb\u7d71\u4fdd\u8b49\u4e86\u53c3\u8207\u8005\u7684\u8cc7\u91d1\u5f97\u5230\u9ad8\u6548\u3001\u900f\u660e\u7684\u4f7f\u7528\uff0c\u4e26\u4e14\u4e0d\u6703\u5168\u90e8\u6210\u70ba\u4fdd\u96aa\u516c\u53f8\u7684\u5229\u6f64\u3002<\/span><\/p>\n

                            <\/b><\/p>\n

                              \n
                            • Tabarru’ \u7cfb\u7d71\u5728\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u4e2d\u7684\u512a\u52e2<\/b><\/li>\n<\/ul>\n

                              \u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u4e2d\u7684tabarru’\u7cfb\u7d71\u8207\u50b3\u7d71\u4fdd\u96aa\u7cfb\u7d71\u76f8\u6bd4\u6709\u5e7e\u500b\u512a\u9ede\uff1a<\/span><\/p>\n

                               <\/p>\n

                                \n
                              1. \u2705<\/span> \u53c3\u8207\u8005\u4e4b\u9593\u7684\u5718\u7d50\u610f\u8b58\u66f4\u5f37\u3002\u5728\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u4e2d\uff0c\u53c3\u8207\u8005\u4e92\u76f8\u5e6b\u52a9\u4e26\u5171\u540c\u5206\u64d4\u98a8\u96aa\u3002\u53c3\u8207\u8005\u8207\u4fdd\u96aa\u516c\u53f8\u4e4b\u9593\u4e0d\u5b58\u5728\u5546\u696d\u95dc\u4fc2\uff0c\u800c\u662f\u4e00\u7a2e\u57fa\u65bc\u4e92\u52a9\u7684\u793e\u6703\u95dc\u4fc2\u3002<\/span><\/li>\n<\/ol>\n

                                 <\/p>\n

                                  \n
                                1. \u2705<\/span> \u8cc7\u91d1\u900f\u660e\uff0c\u4e26\u975e\u6240\u6709\u5229\u6f64\u90fd\u88ab\u516c\u53f8\u62ff\u8d70\u3002 Tabarru\u7684\u8cc7\u91d1\u4ecd\u7136\u662f\u53c3\u8207\u8005\u7684\u6b0a\u5229\uff0c\u800c\u4fdd\u96aa\u516c\u53f8\u50c5\u5145\u7576\u7ba1\u7406\u8005\u3002\u5982\u679ctabarru\u7684\u8cc7\u91d1\u4ecd\u7136\u5b58\u5728\uff0c\u627f\u4fdd\u76c8\u9918\u5c07\u8fd4\u9084\u7d66\u53c3\u8207\u8005\uff0c\u800c\u4e0d\u662f\u6210\u70ba\u516c\u53f8\u7684\u5229\u6f64\u3002<\/span><\/li>\n<\/ol>\n

                                   <\/p>\n

                                    \n
                                  1. \u2705<\/span> \u4e0d\u5b58\u5728\u9ad8\u5229\u8cb8\u3001\u52a0\u62c9\u723e\u548cMaysir \u7684\u56e0\u7d20\u3002\u5728\u50b3\u7d71\u4fdd\u96aa\u4e2d\uff0c\u53c3\u8207\u8005\u652f\u4ed8\u7684\u4fdd\u8cbb\u6210\u70ba\u516c\u53f8\u7684\u8ca1\u7522\uff0c\u7136\u5f8c\u9032\u884c\u6295\u8cc7\u4ee5\u7372\u5f97\u5229\u6f64\uff0c\u901a\u5e38\u5305\u542briba\uff08\u5229\u606f\uff09\u6210\u5206\u3002\u5728tabarru’\u7cfb\u7d71\u4e2d\uff0c\u4e0d\u5b58\u5728\u9ad8\u5229\u8cb8\u3001gharar\uff08\u4e0d\u78ba\u5b9a\u6027\uff09\u6216maysir\uff08\u6295\u6a5f\uff09\u56e0\u7d20\uff0c\u56e0\u70ba\u8cc7\u91d1\u662f\u6839\u64da\u4f0a\u65af\u862d\u6559\u6cd5\u539f\u5247\u9032\u884c\u7ba1\u7406\u4e26\u7531\u4f0a\u65af\u862d\u6559\u6cd5\u76e3\u4e8b\u6703\uff08DPS\uff09\u76e3\u7763\u3002<\/span><\/li>\n<\/ol>\n

                                    <\/b><\/p>\n

                                      \n
                                    • \u4f0a\u65af\u862d\u6559\u6c7d\u8eca\u4fdd\u96aa\u4e2d Tabarru’ \u7cfb\u7d71\u7684\u5be6\u4f8b<\/b><\/li>\n<\/ul>\n

                                      \u4f5c\u70ba\u8aaa\u660e\uff0c\u4ee5\u4e0b\u662f tabarru’ \u7cfb\u7d71\u5728\u4f0a\u65af\u862d\u6559\u6c7d\u8eca\u4fdd\u96aa\u4e2d\u5982\u4f55\u904b\u4f5c\u7684\u7bc4\u4f8b\uff1a<\/span><\/p>\n

                                      \u27a1<\/span> \u963f\u7c73\u723e\u5148\u751f\u548c\u5e03\u8fea\u5148\u751f\u70ba\u4ed6\u5011\u7684\u6c7d\u8eca\u767b\u8a18\u4e86\u4f0a\u65af\u862d\u6559\u6cd5\u6c7d\u8eca\u4fdd\u96aa\u3002<\/span><\/p>\n

                                      \u27a1<\/span> \u4ed6\u5011\u6bcf\u500b\u6708\u90fd\u6703\u5411 tabarru \u57fa\u91d1\u5b58\u5165\u6350\u6b3e\uff0c\u8a72\u57fa\u91d1\u7528\u65bc\u5e6b\u52a9\u5176\u4ed6\u7d93\u6b77\u707d\u96e3\u7684\u53c3\u8207\u8005\u3002<\/span><\/p>\n

                                      \u27a1<\/span> \u6709\u4e00\u5929\uff0c\u963f\u7c73\u723e\u5148\u751f\u7684\u6c7d\u8eca\u767c\u751f\u4e8b\u6545\uff0c\u9700\u8981\u82b1\u8cbb 1500 \u842c\u5370\u5c3c\u76fe\u9032\u884c\u4fee\u7406\u3002<\/span><\/p>\n

                                      \u27a1<\/span> \u963f\u7c73\u723e\u5148\u751f\u63d0\u51fa\u7d22\u8ce0\uff0c\u7d93\u6838\u5be6\uff0c\u4fdd\u96aa\u516c\u53f8\u5f9etabarru\u7684\u8cc7\u91d1\u4e2d\u652f\u4ed8\u4e86\u4ed6\u7684\u7d22\u8ce0\u3002<\/span><\/p>\n

                                      \u27a1<\/span> \u53e6\u4e00\u65b9\u9762\uff0c\u5e03\u8fea\u5148\u751f\u5728\u6b64\u671f\u9593\u6c92\u6709\u767c\u751f\u4e8b\u6545\u6216\u4e1f\u5931\u8eca\u8f1b\u3002<\/span><\/p>\n

                                      \u27a1<\/span> \u5982\u679c\u4e00\u5e74\u5167\u6c92\u6709\u592a\u591a\u5927\u984d\u7d22\u8ce0\uff0c\u627f\u4fdd\u76c8\u9918\u5c07\u9000\u9084\u7d66\u6c92\u6709\u63d0\u4ea4\u7d22\u8ce0\u7684\u53c3\u8207\u8005\uff0c\u5305\u62ec\u5e03\u8fea\u5148\u751f\u3002<\/span><\/p>\n

                                      \u5f9e\u9019\u500b\u4f8b\u5b50\u53ef\u4ee5\u770b\u51fa\uff0c\u8207\u53ea\u8b93\u4fdd\u96aa\u516c\u53f8\u53d7\u76ca\u7684\u50b3\u7d71\u4fdd\u96aa\u76f8\u6bd4\uff0c\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u70ba\u53c3\u8207\u8005\u63d0\u4f9b\u4e86\u66f4\u591a\u7684\u798f\u5229\u3002<\/span><\/p>\n

                                       <\/p>\n

                                      \u4f0a\u65af\u862d\u6559\u6cd5\u6c7d\u8eca\u4fdd\u96aa\u4fdd\u8cbb\u4f30\u7b97\uff1a\u8cbb\u7528\u662f\u591a\u5c11\uff1f<\/span><\/h3>\n

                                      \u5c0d\u65bc\u5e0c\u671b\u7372\u5f97\u6700\u4f73\u4fdd\u8b77\u3001\u514d\u53d7\u9ad8\u5229\u8cb8\u3001\u9ad8\u5229\u8cb8\u548c\u9ad8\u5229\u8cb8\u539f\u5247\u5f71\u97ff\u7684\u8eca\u4e3b\u4f86\u8aaa\uff0c\u9078\u64c7\u4f0a\u65af\u862d\u6559\u6cd5\u6c7d\u8eca\u4fdd\u96aa\u662f\u660e\u667a\u7684\u4e00\u6b65\u3002\u7136\u800c\uff0c\u5728\u8cfc\u8cb7\u4fdd\u55ae\u4e4b\u524d\uff0c\u4e86\u89e3\u4fdd\u8cbb\u7684\u8cbb\u7528\u4ee5\u53ca\u5f71\u97ff\u4fdd\u8cbb\u91d1\u984d\u7684\u56e0\u7d20\u975e\u5e38\u91cd\u8981\u3002<\/span><\/p>\n

                                      <\/b><\/p>\n

                                        \n
                                      • \u5f71\u97ff\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u8cbb\u7684\u56e0\u7d20<\/b><\/li>\n<\/ul>\n

                                        \u8207\u50b3\u7d71\u4fdd\u96aa\u4e00\u6a23\uff0c\u4f0a\u65af\u862d\u6559\u8eca\u8f1b\u4fdd\u96aa\u8cbb\u4e5f\u53d7\u5230\u4ee5\u4e0b\u56e0\u7d20\u7684\u5f71\u97ff\uff1a<\/span><\/p>\n

                                        \u2705<\/span> \u8eca\u8f1b\u985e\u578b\uff08\u65b0\u8eca\u6216\u4e8c\u624b\u8eca\uff09<\/span><\/p>\n

                                        \u65b0\u8eca\u4e00\u822c\u5e02\u5834\u50f9\u503c\u8f03\u9ad8\uff0c\u56e0\u6b64\u4fdd\u8cbb\u4e5f\u8f03\u8cb4\u3002<\/span><\/p>\n

                                        \u4e8c\u624b\u8eca\u53ef\u4ee5\u7372\u5f97\u8f03\u4f4e\u7684\u4fdd\u8cbb\uff0c\u4f46\u9019\u4ecd\u7136\u53d6\u6c7a\u65bc\u8eca\u8f1b\u7684\u8eca\u9f61\u548c\u5f15\u64ce\u72c0\u6cc1\u3002<\/span><\/p>\n

                                        \u2705<\/span> \u4fdd\u969c\u7bc4\u570d\uff08\u5168\u96aa\u6216 TLO\uff09<\/span><\/p>\n

                                        \u4f0a\u65af\u862d\u6559\u6cd5\u5168\u96aa\u4fdd\u96aa\u91dd\u5c0d\u5404\u7a2e\u5f62\u5f0f\u7684\u640d\u5bb3\u63d0\u4f9b\u5168\u9762\u7684\u4fdd\u8b77\uff0c\u56e0\u6b64\u4fdd\u8cbb\u8f03\u8cb4\u3002<\/span><\/p>\n

                                        \u50c5\u4f0a\u65af\u862d\u6559\u6cd5\u5168\u640d (TLO) \u4fdd\u96aa\u50c5\u5728\u8eca\u8f1b\u56e0\u7aca\u76dc\u800c\u5b8c\u5168\u640d\u58de\u6216\u907a\u5931\u6642\u63d0\u4f9b\u4fdd\u8b77\uff0c\u56e0\u6b64\u4fdd\u8cbb\u8f03\u4f4e\u3002<\/span><\/p>\n

                                        \u2705<\/span> \u8eca\u8f1b\u904b\u884c\u5730\u9ede<\/span><\/p>\n

                                        \u5982\u679c\u8eca\u8f1b\u5728\u5bb9\u6613\u767c\u751f\u4e8b\u6545\u6216\u5931\u7aca\u7684\u5730\u5340\u4f7f\u7528\uff0c\u4fdd\u8cbb\u6703\u66f4\u9ad8\u3002<\/span><\/p>\n

                                        \u4f8b\u5982\uff0c\u8207\u98a8\u96aa\u8f03\u4f4e\u7684\u5730\u5340\u76f8\u6bd4\uff0c\u96c5\u52a0\u9054\u6216\u6cd7\u6c34\u4f7f\u7528\u7684\u6c7d\u8eca\u4fdd\u8cbb\u8f03\u9ad8\u3002<\/span><\/p>\n

                                        \u2705<\/span> \u4e4b\u524d\u7684\u7d22\u8ce0\u8a18\u9304<\/span><\/p>\n

                                        \u64c1\u6709\u4e7e\u6de8\u7d22\u8ce0\u8a18\u9304\uff08\u7121\u7d22\u8ce0\u734e\u91d1 – NCB\uff09\u7684\u99d5\u99db\u8005\u53ef\u4ee5\u7372\u5f97\u66f4\u4fbf\u5b9c\u7684\u4fdd\u8cbb\u3002<\/span><\/p>\n

                                        \u5982\u679c\u60a8\u5e7e\u5e74\u6c92\u6709\u63d0\u4ea4\u7d22\u8ce0\uff0c\u53c3\u8207\u8005\u53ef\u4ee5\u7372\u5f97\u6298\u6263\u00a0<\/span><\/p>\n

                                        <\/b><\/p>\n

                                          \n
                                        • \u5982\u4f55\u7372\u5f97\u6700\u4f73\u4fdd\u8cbb\uff1f<\/b><\/li>\n<\/ul>\n

                                          \u60a8\u53ef\u4ee5\u900f\u904e\u591a\u7a2e\u65b9\u5f0f\u7372\u5f97\u66f4\u4fbf\u5b9c\u7684\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u8cbb\u800c\u4e0d\u6e1b\u5c11\u4fdd\u969c\u7bc4\u570d\uff1a<\/span><\/p>\n

                                          \u2705<\/span> \u5229\u7528\u7121\u7d22\u8ce0\u734e\u91d1 (NCB) \u6298\u6263<\/span><\/p>\n

                                          \u5982\u679c\u60a8\u5e7e\u5e74\u6c92\u6709\u63d0\u51fa\u7d22\u8ce0\uff0c\u4fdd\u96aa\u516c\u53f8\u901a\u5e38\u6703\u7d66\u60a8\u9ad8\u9054 25% \u7684\u4fdd\u8cbb\u6298\u6263\u3002\u9019\u662f\u5728\u4e0d\u72a7\u7272\u4fdd\u8b77\u7684\u60c5\u6cc1\u4e0b\u964d\u4f4e\u4fdd\u96aa\u6210\u672c\u7684\u6709\u6548\u65b9\u6cd5\u3002<\/span><\/p>\n

                                          \u2705<\/span> \u4f7f\u7528\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u7d93\u7d00\u4eba\u4f86\u6bd4\u8f03\u5831\u50f9<\/span><\/p>\n

                                          \u4f7f\u7528\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u7d93\u7d00\u4eba\uff08\u4f8b\u5982 L&G Insurance Broker\uff09\u7684\u670d\u52d9\u5c07\u5e6b\u52a9\u60a8\u5f9e\u5404\u500b\u4fdd\u96aa\u516c\u53f8\u7372\u5f97\u6700\u4f73\u5831\u50f9\u3002\u7d93\u7d00\u4eba\u53ef\u4ee5\u806f\u7e6b\u8a31\u591a\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u63d0\u4f9b\u8005\uff0c\u4e26\u53ef\u4ee5\u5e6b\u52a9\u60a8\u9078\u64c7\u9069\u5408\u60a8\u7684\u9700\u6c42\u548c\u9810\u7b97\u7684\u4fdd\u55ae\u3002<\/span><\/p>\n

                                          \u2705<\/span> \u6839\u64da\u9700\u8981\u5ba2\u88fd\u5316\u8986\u84cb\u7bc4\u570d<\/span><\/p>\n

                                          \u5982\u679c\u6bcf\u5929\u4f7f\u7528\u6c7d\u8eca\uff0cAll Risk Sharia \u4fdd\u96aa\u66f4\u5408\u9069\u3002<\/span><\/p>\n

                                          \u5982\u679c\u6c7d\u8eca\u53ea\u662f\u5076\u723e\u4f7f\u7528\u6216\u8eca\u9f61\u8d85\u904e 5 \u5e74\uff0cTLO Syariah \u53ef\u80fd\u662f\u66f4\u7d93\u6fdf\u7684\u9078\u64c7\u3002<\/span><\/p>\n

                                           <\/p>\n

                                          \u4f7f\u7528\u4f0a\u65af\u862d\u6559\u6cd5\u4fdd\u96aa\u7d93\u7d00\u4eba\u7684\u91cd\u8981\u6027<\/span><\/h3>\n

                                          \u5728\u9078\u64c7\u4f0a\u65af\u862d\u6559\u6c7d\u8eca\u4fdd\u96aa\u6642\uff0c\u8a31\u591a\u8eca\u4e3b\u5c0d\u78ba\u5b9a\u5408\u9069\u7684\u4fdd\u55ae\u3001\u6bd4\u8f03\u6700\u4f73\u4fdd\u8cbb\u6216\u4e86\u89e3\u7d22\u8ce0\u6d41\u7a0b\u611f\u5230\u56f0\u60d1\u3002\u9019\u5c31\u662f\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u7d93\u7d00\u4eba\u7684\u4f5c\u7528\u8b8a\u5f97\u975e\u5e38\u91cd\u8981\u7684\u5730\u65b9\u3002<\/span><\/p>\n

                                          \u4f5c\u70ba\u7368\u7acb\u7684\u4e2d\u4ecb\u6a5f\u69cb\uff0c\u4fdd\u96aa\u7d93\u7d00\u4eba\u5e6b\u52a9\u5ba2\u6236\u5f9e\u591a\u5bb6\u4fdd\u96aa\u516c\u53f8\u9078\u64c7\u6700\u4f73\u4fdd\u55ae\uff0c\u800c\u4e0d\u504f\u5411\u67d0\u4e00\u7279\u5b9a\u63d0\u4f9b\u8005\u3002\u8207\u76f4\u63a5\u5f9e\u4fdd\u96aa\u516c\u53f8\u8cfc\u8cb7\u4fdd\u96aa\u76f8\u6bd4\uff0c\u4f7f\u7528\u4f0a\u65af\u862d\u6559\u4fdd\u96aa\u7d93\u7d00\u4eba\u6709\u8a31\u591a\u597d\u8655\u3002<\/span><\/p>\n