Islamic Finance and UK Economic Prosperity伊斯兰金融与英国经济繁荣伊斯蘭金融與英國經濟繁榮

Islamic finance represents a significant growth opportunity for the UK. Its asset-based and asset-backed, risk-sharing model aligns with UK priorities in infrastructure, clean energy, and real estate. With global Islamic finance assets projected to reach $7.5 trillion by 2028 and wealth held by Muslims estimated at approximately $27.8 trillion, the report argues the scale of the opportunity is both significant and immediate — and that the UK, which has a long-established leadership position among western financial centres, must set a clear vision to maintain and develop that role.伊斯兰金融为英国带来了重大的增长机遇。其以资产为基础、资产支持、风险共担的模式，与英国在基础设施、清洁能源及房地产领域的优先事项高度契合。全球伊斯兰金融资产预计到2028年将达到7.5万亿美元，穆斯林所持财富估计约达27.8万亿美元，报告认为这一机遇规模庞大且迫在眉睫——而英国作为在西方金融中心中长期占据领先地位的国家，必须制定清晰的愿景，以维持并发展这一角色。伊斯蘭金融為英國帶來了重大的增長機遇。其以資產為基礎、資產支持、風險共擔的模式，與英國在基礎設施、清潔能源及房地產領域的優先事項高度契合。全球伊斯蘭金融資產預計到2028年將達到7.5萬億美元，穆斯林所持財富估計約達27.8萬億美元，報告認為這一機遇規模龐大且迫在眉睫——而英國作為在西方金融中心中長期佔據領先地位的國家，必須制定清晰的願景，以維持並發展這一角色。

Investor behaviour is shifting: a majority of Muslim ultra-high-net-worth individuals now favour Shariah-compliant investments, with 62% of respondents to a recent Jersey Finance survey indicating they would always choose a Shariah-compliant investment even if it underperformed a conventional alternative — a sign, the report argues, of a durable reallocation of capital rather than a cyclical trend. Opportunities identified include inbound FDI and portfolio flows from Gulf and Southeast Asian institutional capital, exports of London's legal, structuring, custody and advisory expertise, and growing investor appetite for tokenised and digital Sukuk.投资者行为正在转变：多数穆斯林超高净值人士如今更青睐符合伊斯兰教法的投资，泽西金融（Jersey Finance）近期一项调查显示，62%的受访者表示即便符合伊斯兰教法的投资表现逊于传统投资，他们仍会始终选择前者——报告认为，这标志着一种持久的资本再配置，而非周期性趋势。报告识别出的机遇包括：来自海湾及东南亚机构资本的外来直接投资与组合投资流入；伦敦法律、架构设计、托管及顾问专长的输出；以及投资者对代币化及数字化伊斯兰债券（Sukuk）日益增长的兴趣。投資者行為正在轉變：多數穆斯林超高淨值人士如今更青睞符合伊斯蘭教法的投資，澤西金融（Jersey Finance）近期一項調查顯示，62%的受訪者表示即便符合伊斯蘭教法的投資表現遜於傳統投資，他們仍會始終選擇前者——報告認為，這標誌著一種持久的資本再配置，而非週期性趨勢。報告識別出的機遇包括：來自海灣及東南亞機構資本的外來直接投資與組合投資流入；倫敦法律、架構設計、託管及顧問專長的輸出；以及投資者對代幣化及數字化伊斯蘭債券（Sukuk）日益增長的興趣。

Realising this opportunity, the report argues, will require a coordinated and strategic approach across government and industry to close several gaps: a fragmented pipeline that raises transaction costs for international investors, intermittent sovereign Sukuk issuance that removes a benchmark for corporate issuers, limited international awareness of the UK's genuine competitive advantages, and an underdeveloped Takaful (Islamic insurance) proposition. With Gulf and Southeast Asian markets already moving from pilot to mainstream, the report frames the UK's first-mover advantage — supported by initiatives such as the Digital Securities Sandbox and the Digital Gilt Instrument programme — as real but time-limited.报告认为，要把握这一机遇，需要政府与业界采取协调一致的战略举措，以弥合若干缺口：投资渠道分散，推高国际投资者的交易成本；主权伊斯兰债券发行不连贯，导致企业发行人缺乏可参照的基准；国际市场对英国真正竞争优势的认知有限；以及伊斯兰保险（Takaful）业务发展不足。鉴于海湾及东南亚市场已从试点阶段迈向主流化，报告认为，在数字证券沙盒（Digital Securities Sandbox）及数字金边债券工具（Digital Gilt Instrument）等举措的支持下，英国的先发优势确实存在，但窗口期有限。報告認為，要把握這一機遇，需要政府與業界採取協調一致的戰略舉措，以彌合若干缺口：投資渠道分散，推高國際投資者的交易成本；主權伊斯蘭債券發行不連貫，導致企業發行人缺乏可參照的基準；國際市場對英國真正競爭優勢的認知有限；以及伊斯蘭保險（Takaful）業務發展不足。鑑於海灣及東南亞市場已從試點階段邁向主流化，報告認為，在數字證券沙盒（Digital Securities Sandbox）及數字金邊債券工具（Digital Gilt Instrument）等舉措的支持下，英國的先發優勢確實存在，但窗口期有限。