{"id":311,"date":"2025-10-29T05:39:56","date_gmt":"2025-10-29T05:39:56","guid":{"rendered":"https:\/\/esaac.co\/chinese\/?page_id=311"},"modified":"2026-01-17T08:28:48","modified_gmt":"2026-01-17T08:28:48","slug":"team","status":"publish","type":"page","link":"https:\/\/esaac.co\/chinese\/team\/","title":{"rendered":"\u56e2\u961f"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section el_class=&#8221;mb&#8221;][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]ESAAC\u6c47\u805a\u4e86\u4e00\u652f\u5145\u6ee1\u6d3b\u529b\u7684\u56e2\u961f\uff0c\u6210\u5458\u5305\u62ec\u94f6\u884c\u5bb6\u3001\u76d1\u7ba1\u4eba\u5458\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u987e\u95ee\u3001\u4f1a\u8ba1\u5e08\u3001\u7ecf\u6d4e\u5b66\u5bb6\u548c\u54a8\u8be2\u5e08\uff0c\u4ed6\u4eec\u5728\u4f0a\u65af\u5170\u94f6\u884c\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u6cbb\u7406\u3001\u7ba1\u7406\u54a8\u8be2\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u5ba1\u8ba1\u65b9\u9762\u62e5\u6709\u4e30\u5bcc\u7684\u7ecf\u9a8c\u3002\u79c9\u6301\u201c\u4e00\u4e2a\u56e2\u961f\u201d\u7684\u7406\u5ff5\uff0c\u6211\u4eec\u5404\u4e2a\u5c42\u7ea7\u2014\u2014\u4ece\u8463\u4e8b\u4f1a\u5230\u4e00\u7ebf\u5458\u5de5\u2014\u2014\u90fd\u80fd\u8f7b\u677e\u534f\u4f5c\uff0c\u4ece\u800c\u5efa\u7acb\u5408\u4f5c\u3001\u4fe1\u4efb\u548c\u5171\u540c\u76ee\u6807\u3002<\/p>\n<p>\u6211\u4eec\u81f4\u529b\u4e8e\u4e3a\u5ba2\u6237\u5e26\u6765\u771f\u6b63\u7684\u6539\u53d8\uff0c\u5c06\u52a1\u5b9e\u884c\u52a8\u4e0e\u521b\u65b0\u6d3b\u529b\u76f8\u7ed3\u5408\uff0c\u786e\u4fdd\u53d8\u9769\u6301\u4e45\u6709\u6548\u3002\u901a\u8fc7\u5171\u540c\u521b\u9020\u89e3\u51b3\u65b9\u6848\u3001\u63d0\u5347\u5185\u90e8\u80fd\u529b\u4ee5\u53ca\u6253\u9020\u53ef\u590d\u5236\u7684\u6210\u679c\uff0c\u6211\u4eec\u9a71\u52a8\u957f\u671f\u4ef7\u503c\u548c\u53ef\u91cf\u5316\u7684\u5f71\u54cd\u3002[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]            <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u9886\u5bfc<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-324\" href=\"#team-mufti-ehsan-waquar\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/leadership1.jpg\" alt=\"Mufti Ehsan Waquar\">\n                                                                        <h3 class=\"sub-heading\">Mufti Ehsan Waquar<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-324\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/leadership1.jpg\" alt=\"Mufti Ehsan Waquar\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">Mufti Ehsan Waquar<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u611f\u8c22\u771f\u4e3b\uff0c\u7a46\u592b\u63d0\u00b7\u57c3\u6851\u662f\u4e00\u4f4d\u96be\u5f97\u7684\u517c\u5177\u5b97\u6559\u7d20\u517b\u548c\u73b0\u4ee3\u6559\u80b2\u80cc\u666f\u7684\u5b66\u8005\u3002\u4ed6\u62e5\u6709\u51fa\u8272\u7684\u6c9f\u901a\u80fd\u529b\uff0c\u7cbe\u901a\u591a\u79cd\u8bed\u8a00\u3002\u4ed6\u4e0d\u4ec5\u6bd5\u4e1a\u4e8e\u7a46\u592b\u63d0\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u5b66\u8005\u4e13\u4e1a\uff0c\u8fd8\u83b7\u5f97\u4e86\u7ecf\u6d4e\u5b66\u7855\u58eb\u5b66\u4f4d\u548c\u5de5\u5546\u7ba1\u7406\u7855\u58eb\u5b66\u4f4d\uff08\u4e3b\u4fee\u91d1\u878d\uff09\u3002\u6b64\u5916\uff0c\u4ed6\u8fd8\u62e5\u6709\u6cd5\u5f8b\u548c\u7acb\u6cd5\u5b66\u58eb\u5b66\u4f4d\u3002\u8fd9\u79cd\u6559\u80b2\u80cc\u666f\u7684\u7ec4\u5408\u975e\u5e38\u72ec\u7279\uff0c\u4f7f\u4ed6\u6bd4\u8bb8\u591a\u4eba\u66f4\u6709\u4f18\u52bf\uff0c\u80fd\u591f\u5c06\u73b0\u4ee3\u94f6\u884c\u4e1a\u52a1\u5b9e\u8df5\u4e0e\u4f0a\u65af\u5170\u6559\u6cd5\u539f\u5219\u76f8\u7ed3\u5408\uff0c\u5e76\u4f7f\u5176\u548c\u8c10\u7edf\u4e00\u3002<\/p>\n<p>\u4ed6\u5728\u4f0a\u65af\u5170\u91d1\u878d\u3001\u8fd0\u8425\u548c\u4e1a\u52a1\u7ba1\u7406\u3001\u9879\u76ee\u7ba1\u7406\u548c\u884c\u653f\u7ba1\u7406\u65b9\u9762\u62e5\u6709\u8d85\u8fc7\u4e8c\u5341\u5e74\u7684\u8de8\u804c\u80fd\u591a\u5143\u5316\u7ba1\u7406\u80cc\u666f\uff1b\u5728\u4eba\u5458\u548c\u9879\u76ee\u7ba1\u7406\u65b9\u9762\u62e5\u6709\u4e30\u5bcc\u7684\u5b9e\u8df5\u7ecf\u9a8c\uff0c\u5e76\u4e0e\u94f6\u884c\u8463\u4e8b\u4f1a\u548c\u9ad8\u7ea7\u7ba1\u7406\u5c42\u3001\u76d1\u7ba1\u673a\u6784\u3001\u5ba1\u8ba1\u5e08\u548c\u6cd5\u5f8b\u987e\u95ee\u6709\u8fc7\u5408\u4f5c\u3002<\/p>\n<p>Alhamdulillah\uff0c\u4ed6\u66fe\u4e3a\u4f0a\u65af\u5170\u91d1\u878d\u884c\u4e1a\u63d0\u4f9b\u4e13\u95e8\u670d\u52a1\uff0c\u670d\u52a1\u4e8e\u4e16\u754c\u94f6\u884c-IFC\uff0c\u5df4\u57fa\u65af\u5766\u56fd\u5bb6\u94f6\u884c\uff0cABL\uff0cSoneri Bank\uff0cNAFA\uff0cAskari General Insurance Company Takaful Window\uff08AGICO\uff09\uff0c\u963f\u8054\u914b\u5168\u7403\u4f0a\u65af\u5170\u94f6\u884c\uff08\u73b0\u4e3aAl Baraka Bank\u5df4\u57fa\u65af\u5766\uff0cUBL\uff09 \uff0cYasaar Ltd-\u963f\u8054\u914b\u548c\u82f1\u56fd\uff0cMinhaj Advisory-\u963f\u8054\u914b\uff0cArif Habib\u5df2\u6709\u5341\u591a\u5e74\u4e86\u3002 \u4ed6\u7ec4\u5efa\u4e86\u591a\u4e2a\u4f0a\u65af\u5170\u503a\u5238\uff0c\u5305\u62ec\u5df4\u57fa\u65af\u5766\u6700\u5927\u7684\u4f0a\u65af\u5170\u503a\u5238\u3002 \u5343\u4ebf\u82cf\u5e93\u514b\u7528\u4e8eNeelum Jhelum\u6c34\u7535\uff0c\u6cd5\u8482\u739b\u80a5\u6599\uff0cFauji\u80a5\u6599\uff0cSitara\u80fd\u6e90\uff0cSitara\u8fc7\u6c27\u5316\u7269\u548cIBL\u3002 \u9664\u6b64\u4e4b\u5916\uff0c\u4ed6\u8fd8\u5b8c\u6210\u4e86\u4e1a\u754c\u6700\u5927\u7684\u8f6c\u6362\u5de5\u4f5c\uff0c\u5c06\u8d85\u8fc7\u4e24\u767e\uff08200\uff09\u4e2a\u5e38\u89c4\u5206\u652f\u673a\u6784\u8f6c\u6362\u4e3a\u4f0a\u65af\u5170\u94f6\u884c\u5206\u652f\u673a\u6784\u3002 \u8fd9\u662f\u4ece\u5e38\u89c4\u4e1a\u52a1\u5230\u4f0a\u65af\u5170\u4e1a\u52a1\u7684\u5b8c\u6574\u8fc7\u6e21\uff0c\u5305\u62ec\u5236\u5b9a\u548c\u5b9e\u65bd\u653f\u7b56\uff0c\u7a0b\u5e8f\u548c\u57f9\u8bad\u3002<\/p>\n<p>\u4ed6\u8fd8\u66fe\u62c5\u4efb\u5df4\u57fa\u65af\u5766\u7279\u8bb8\u4f1a\u8ba1\u5e08\u534f\u4f1a\uff08ICAP\uff09\u5236\u5b9a\u4f0a\u65af\u5170\u91d1\u878d\u673a\u6784\u4f1a\u8ba1\u548c\u5ba1\u8ba1\u6807\u51c6\u7684\u6280\u672f\u59d4\u5458\u4f1a\u6210\u5458\u3002 \u4f5c\u4e3a\u5df4\u57fa\u65af\u5766\u56fd\u5bb6\u94f6\u884c\uff08SBP\uff09SAF\u7684\u6210\u5458\uff0c\u4ed6\u5728SBP\u671f\u95f4\u4e0e\u4f0a\u65af\u5170\u94f6\u884c\u79ef\u6781\u5408\u4f5c\uff0c\u6d89\u53ca\u4e0e\u4f0a\u65af\u5170\u94f6\u884c\u6709\u5173\u7684\u4e8b\u52a1\uff0c\u5305\u62ec\u8d77\u8349\u300a Shirkat-ul-Milk\u4f0a\u65af\u5170\u6559\u4e49\u300b\u6807\u51c6\uff0c\u901a\u5e38\u7528\u4e8e\u4f4f\u623f\u91d1\u878d\uff0cTawarruq\uff0c\u5546\u54c1Murabahah\uff0c\u8d22\u653f\u90e8\uff0c\u8d38\u6613\u91d1\u878d\u548c\u519c\u4e1a\u91d1\u878d\u4ea7\u54c1<\/p>\n<p>\u5728ESAAC\uff0c\u4ed6\u6709\u5e78\u53c2\u4e0e\u4e86\u4e16\u754c\u94f6\u884c-IFC\u7684\u4e00\u4e2a\u9879\u76ee\uff0c\u4ee5\u5f00\u53d1\u4f0a\u65af\u5170\u518d\u62b5\u62bc\u91d1\u878d\u3002 \u4ed6\u8fd8\u4e0eSECP\u56e2\u961f\u5408\u4f5c\u5236\u5b9a\u4e86\u4fdd\u9669\u90e8\u95e8\u7684\u56de\u6559\u4fdd\u9669\u89c4\u52192012\u3002<\/p>\n<p>\u9664\u6b64\u4e4b\u5916\uff0c\u4ed6\u8fd8\u5728CBM\uff0cIBA\u548cKUBS\u7b49\u8457\u540d\u5546\u5b66\u9662\u4e3e\u529e\u6709\u5173\u4f0a\u65af\u5170\u94f6\u884c\u4e1a\u52a1\uff0c\u8d44\u672c\u5e02\u573a\uff0c\u884d\u751f\u54c1\uff0c\u56de\u6559\u4fdd\u9669\u548c\u98ce\u9669\u7ba1\u7406\u7684\u8bfe\u7a0b\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u4f0a\u65af\u5170\u6559\u6cd5\u59d4\u5458\u4f1a\u6210\u5458<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-343\" href=\"#team-dr%e3%80%82-%e7%a9%86%e7%bd%95%e9%bb%98%e5%be%b7%c2%b7%e8%8b%8f%e8%8e%b1%e6%9b%bc%c2%b7%e6%9d%b0%e7%91%9f\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/dr-mohammad-sulaiman-al-jewisser.jpeg\" alt=\"DR\u3002 \u7a46\u7f55\u9ed8\u5fb7\u00b7\u82cf\u83b1\u66fc\u00b7\u6770\u745f\">\n                                                                        <h3 class=\"sub-heading\">DR\u3002 \u7a46\u7f55\u9ed8\u5fb7\u00b7\u82cf\u83b1\u66fc\u00b7\u6770\u745f<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-343\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/dr-mohammad-sulaiman-al-jewisser.jpeg\" alt=\"DR\u3002 \u7a46\u7f55\u9ed8\u5fb7\u00b7\u82cf\u83b1\u66fc\u00b7\u6770\u745f\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">DR\u3002 \u7a46\u7f55\u9ed8\u5fb7\u00b7\u82cf\u83b1\u66fc\u00b7\u6770\u745f<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]Sheikh Suleiman bin Mohammed Al Jewisser\u535a\u58eb\u62e5\u6709\u4f0a\u739b\u76ee\u7a46\u7f55\u9ed8\u5fb7\u00b7\u672c\u00b7\u6c99\u7279\u4f0a\u65af\u5170\u5927\u5b66\u7684\u9ad8\u7ea7\u53f8\u6cd5\u5b66\u9662\u7684\u4f0a\u65af\u5170\u6559\u4e49\u653f\u6cbb\u535a\u58eb\u5b66\u4f4d\u3002 \u4ed6\u66fe\u5728Al Rajhi Bank\u548cRajhi Takaful\u62c5\u4efb\u4f0a\u65af\u5170\u6559\u6cd5\u9ad8\u7ea7\u7ecf\u7406\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u8463\u4e8b\u4f1a\u79d8\u4e66\u3002\u54a8\u8be2\u59d4\u5458\u4f1a<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-340\" href=\"#team-dr-azhan-hasan\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/dr-azhan-hasan.jpeg\" alt=\"Dr Azhan Hasan\">\n                                                                        <h3 class=\"sub-heading\">Dr Azhan Hasan<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-340\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/dr-azhan-hasan.jpeg\" alt=\"Dr Azhan Hasan\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">Dr Azhan Hasan<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]Aznan Hasan\u535a\u58eb\u662f\u56fd\u9645\u77e5\u540d\u7684\u4f0a\u65af\u5170\u6559\u5b66\u8005\uff0c\u4e00\u76f4\u79ef\u6781\u53c2\u4e0e\u5168\u7403\u4f0a\u65af\u5170\u91d1\u878d\u7684\u53d1\u5c55\u3002 Aznan\u535a\u58eb\u4e13\u95e8\u7814\u7a76\u4f0a\u65af\u5170\u5546\u6cd5\uff0c\u4f0a\u65af\u5170\u94f6\u884c\u548c\u91d1\u878d\uff0c\u4f0a\u65af\u5170\u8d44\u672c\u5e02\u573a\uff0c\u4f0a\u65af\u5170\u4fdd\u9669\uff08\u4f0a\u65af\u5170\u4fdd\u9669\uff09\uff0c\u4f0a\u65af\u5170\u8d44\u4ea7\u7ba1\u7406\uff0c\u624e\u5361\u7279\u4f0a\u65af\u5170\u6cd5\u5f8b\uff0c\u4f0a\u65af\u5170\u6cd5\u5f8b\u683c\u8a00\u548c\u4f0a\u65af\u5170\u6cd5\u5f8b\u7406\u8bba\u3002<\/p>\n<p>Aznan\u535a\u58eb\u53c2\u4e0e\u4e86\u4f0a\u65af\u5170\u94f6\u884c\uff0c\u56de\u6559\u4fdd\u9669\uff0c\u4f0a\u65af\u5170\u8d44\u672c\u5e02\u573a\u4ea7\u54c1\u548c\u5de5\u5177\uff0cWaqaf\uff0c\u4f0a\u65af\u5170\u56fd\u5e93\u548c\u8d27\u5e01\u5e02\u573a\u4ee5\u53ca\u5176\u4ed6\u94f6\u884c\u4ea7\u54c1\u7684\u6846\u67b6\u548c\u7cfb\u7edf\u7684\u5f00\u53d1\u3002<\/p>\n<p>\u4ed6\u66fe\u5728\u672c\u5730\u548c\u56fd\u9645\u5404\u7ea7\u7684\u5404\u79cd\u91d1\u878d\u673a\u6784\uff0c\u7406\u4e8b\u673a\u6784\uff0c\u5f8b\u5e08\u4e8b\u52a1\u6240\u548c\u516c\u53f8\u62c5\u4efb\u56de\u6559\u6559\u4e49\u987e\u95ee\uff0c\u5305\u62ec\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\u7684\u56de\u6559\u6559\u4e49\u987e\u95ee\u59d4\u5458\u4f1a\u6210\u5458\uff0c\u5df4\u6797ACR\u4f0a\u65af\u5170\u6559\u6cd5\u56de\u6559\u59d4\u5458\u4f1a\u4e3b\u5e2d\u3002\u4ee5\u53caACR Retakaful Malaysia\uff0c\u9a6c\u6765\u897f\u4e9a\u8bc1\u5238\u59d4\u5458\u4f1a\u53d1\u884c\u4f0a\u65af\u5170\u8bc1\u5238\u548c\u4f0a\u65af\u5170\u5355\u4f4d\u4fe1\u6258\u8ba1\u5212\u7684\u6ce8\u518c\u4f0a\u65af\u5170\u6559\u52a1\u987e\u95ee\uff0c\u9a6c\u6765\u897f\u4e9a\u8bc1\u5238\u4ea4\u6613\u6240\u7684\u4f0a\u65af\u5170\u6559\u52a1\u987e\u95ee\uff0c\u9a6c\u6765\u897f\u4e9a\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u91d1\u878d\u5b66\u9662\uff08IBFIM\uff09\u7684\u5916\u90e8\u4f0a\u65af\u5170\u6559\u52a1\u7814\u7a76\u5458\u548c\u59d4\u5458\u4f1a\u6210\u5458\u5927\u9a6cFBM\u6307\u6570\u54a8\u8be2\u670d\u52a1\u90e8\u3002<\/p>\n<p>Aznan\u535a\u58eb\u4eceAl-Azhar\u5927\u5b66\u83b7\u5f97\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u7b2c\u4e00\u5b66\u4f4d\u3002 \u4ed6\u4ee5\u4f18\u5f02\u7684\u6210\u7ee9\uff08mumtaz\uff09\u6210\u529f\u5730\u4ece\u5f00\u7f57\u5927\u5b66\u83b7\u5f97\u4e86\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u7855\u58eb\u5b66\u4f4d\uff0c\u4e4b\u540e\u83b7\u5f97\u4e86\u535a\u58eb\u5b66\u4f4d\u3002 \u6765\u81ea\u82f1\u56fd\u5170\u666e\u7279\u7684\u5a01\u5c14\u58eb\u5927\u5b66\u3002 Aznan\u535a\u58eb\u76ee\u524d\u662f\u9a6c\u6765\u897f\u4e9a\u56fd\u9645\u4f0a\u65af\u5170\u5927\u5b66\u6cd5\u5f8b\u7cfbAhmad Ibrahim Kuliyyah\u4f0a\u65af\u5170\u6cd5\u5f8b\u7cfb\u6559\u6388\u3002<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-328\" href=\"#team-dr-daud-bakr\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/dr-daud-bakr.png\" alt=\"DR. Daud Bakr\">\n                                                                        <h3 class=\"sub-heading\">DR. Daud Bakr<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-328\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/dr-daud-bakr.png\" alt=\"DR. Daud Bakr\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">DR. Daud Bakr<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u62ff\u7763Mohd Daud Bakar\u535a\u58eb\u73b0\u4efb\u9a6c\u6765\u897f\u4e9a\u4e2d\u592e\u94f6\u884c\uff0c\u9a6c\u6765\u897f\u4e9a\u8bc1\u5238\u59d4\u5458\u4f1a\uff0c\u7eb3\u95fd\u91d1\u878d\u670d\u52a1\u7ba1\u7406\u5c40\u548c\u7b2c\u4e00\u963f\u5e03\u624e\u6bd4\u94f6\u884c\u4f0a\u65af\u5170\u6559\u6559\u4e49\u54a8\u8be2\u59d4\u5458\u4f1a\u4e3b\u5e2d\u3002 \u4ed6\u8fd8\u662f\u5404\u79cd\u5168\u7403\u91d1\u878d\u673a\u6784\u7684\u56de\u6559\u6559\u4e49\u8463\u4e8b\u4f1a\u6210\u5458\uff0c\u5176\u4e2d\u5305\u62ec\u963f\u66fc\u56fd\u5bb6\u94f6\u884c\uff08Aman\uff09\uff0cAmundi Asset Management\uff08\u6cd5\u56fd\uff09\uff0c\u4f26\u6566\u94f6\u884c\u548c\u4e2d\u4e1c\uff08\u4f26\u6566\uff09\uff0c\u6cd5\u56fd\u5df4\u9ece\u94f6\u884c\uff08\u5df4\u6797\uff09\u548c\u9053\u743c\u65af\u4f0a\u65af\u5170\u6559\u5e02\u573a\u6307\u6570\uff08\u7ebd\u7ea6\uff09\u7b49\u3002<\/p>\n<p>\u4ed6\u8fd8\u662f\u9a6c\u6765\u897f\u4e9a\u4f0a\u65af\u5170\u5927\u5b66\uff08USIM\uff09\u7ecf\u6d4e\u548c\u7a46\u963f\u9a6c\u62c9\u7279\u5927\u5b66\uff08Yayasan Tun Ismail Mohamed Ali Berdaftar\uff08YTI\uff09PNB\uff09\u7684\u7b2c\u4e09\u4f4d\u4f0a\u65af\u5170\u94f6\u884c\u548c\u91d1\u878d\u5b66\u6559\u6388\u3002<br \/>\n2016\u5e74\uff0c\u4ed6\u5728\u4f26\u6566Sukuk\u5cf0\u4f1a\u5956\u4e0a\u83b7\u5f97\u201c\u4f0a\u65af\u5170\u6559\u6cd5\u9886\u8896\u548c\u54a8\u8be2\u6770\u51fa\u8d21\u732e\u5956\u201d\uff0c\u5e76\u5728\u300a\u8d44\u4ea7\u4e09\u4eba\u300b\u4f0a\u65af\u5170\u91d1\u878d\u5956\u4e2d\u83b7\u5f97\u201c\u4f0a\u65af\u5170\u6559\u4e49\u987e\u95ee\u5956\u201d\u3002 2014\u5e74\uff0c\u4ed6\u5728\u56fd\u5bb6\u7ea7\u5148\u77e5\u7a46\u7f55\u9ed8\u5fb7\u8bde\u8fb0\u7684\u540c\u65f6\uff0c\u83b7\u5f97\u4e86\u9a6c\u6765\u897f\u4e9a\u56fd\u738bMa\u4e0b\u7684\u201c\u6700\u6770\u51fa\u4e2a\u4eba\u201d\u5956\u3002<\/p>\n<p>\u4ed6\u7684\u51fa\u7248\u7269\u5305\u62ec\u5404\u79cd\u5b66\u672f\u671f\u520a\u4e0a\u7684\u6587\u7ae0\u4ee5\u53ca\u5728\u672c\u5730\u548c\u56fd\u9645\u4f1a\u8bae\u4e0a\u53d1\u8868\u7684150\u591a\u7bc7\u8bba\u6587\u7684\u6f14\u8bb2\u3002 \u4ed6\u7684\u7b2c\u4e00\u672c\u4e66\u300a\u4f0a\u65af\u5170\u91d1\u878d\u4e2d\u7684\u4f0a\u65af\u5170\u6559\u4e49\uff1a\u4f0a\u65af\u5170\u6559\u4e49\u5b66\u8005\u7684\u5185\u5e55\u300b\u83b7\u5f97\u4e86\u5168\u7403\u4f0a\u65af\u5170\u91d1\u878d\u5956\uff08GIFA\uff09\u7684\u201c 2016\u5e74\u5ea6\u4f0a\u65af\u5170\u91d1\u878d\u4e66\u201d\u3002 \u4ed6\u521a\u521a\u53d1\u5e03\u4e86\u4e00\u672c\u5173\u4e8e\u4f0a\u65af\u5170\u503a\u5238\u7684\u65b0\u4e66\uff0c\u5373\u201c\u963f\u8054\u914b\u822a\u7a7a\u516c\u53f8\u4f0a\u65af\u5170\u503a\u5238\u7684\u6df1\u523b\u65c5\u7a0b\uff1a\u63a8\u52a8\u4f0a\u65af\u5170\u91d1\u878d\u7684\u8fb9\u754c\u201d\uff082017\uff09<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-326\" href=\"#team-shaikh-essam-m-ishaq\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/shaikh-essam-m-ishaq.jpeg\" alt=\"Shaikh Essam M. Ishaq\">\n                                                                        <h3 class=\"sub-heading\">Shaikh Essam M. Ishaq<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-326\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/shaikh-essam-m-ishaq.jpeg\" alt=\"Shaikh Essam M. Ishaq\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">Shaikh Essam M. Ishaq<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]Shaikh Essam M. Ishaq\u662f\u52a0\u62ff\u5927\u9ea6\u5409\u5c14\u5927\u5b66\u7684\u6bd5\u4e1a\u751f\u3002 \u4ed6\u4f20\u7edf\u4e0a\u66fe\u4e0e\u4e0d\u540c\u5b66\u8005\u4e00\u8d77\u7814\u7a76\u8fc7\u6e05\u771f\u5bfa\u4e2d\u7684\u4f0a\u65af\u5170\u6559\u6cd5\u3002 \u76ee\u524d\uff0c\u4ed6\u5728\u5df4\u6797\u6559Fiqh\uff0c\u4f0a\u65af\u5170\u795e\u5b66\u548c\u5854\u592b\u745f\u6587\u5b66\u3002 \u4ed6\u5728\u4f17\u591a\u673a\u6784\u4e2d\u62c5\u4efb\u91cd\u8981\u804c\u52a1\uff0c\u4f8b\u5982\uff1a\u53d1\u73b0\u4f0a\u65af\u5170\u6559\uff1b \u8054\u5408\u56fd\u9645\u94f6\u884c\u548c\u6295\u8d44\u94f6\u884c Arcapita\u94f6\u884c\u548cAl Baraka\u4f0a\u65af\u5170\u94f6\u884c\u548c\u7b2c\u4e00\u6295\u8d44\u94f6\u884c\uff1b AAOIFI; \u5409\u5c14\u5409\u65af\u5171\u548c\u56fd\u751f\u6001\u94f6\u884c\uff1b First Global Investments-\u65af\u91cc\u5170\u5361\uff1b \u5df4\u57fa\u65af\u5766Meezan\u94f6\u884c\uff1b \u6155\u5c3c\u9ed1-\u9a6c\u6765\u897f\u4e9a Takaful House-UAE\uff1b \u7f8e\u56fd\u51ef\u5fb7\u96c6\u56e2\uff1b\u963f\u66fcMethaq\u94f6\u884c\uff0c\u79d1\u5a01\u7279ARIC\u548c\u80af\u5c3c\u4e9a\u6d77\u6e7e\u975e\u6d32\u94f6\u884c\u3002 [\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u987e\u95ee\u59d4\u5458\u4f1a<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-351\" href=\"#team-%e7%a9%86%e5%b0%bc%e5%b0%94%c2%b7%e8%89%be%e5%93%88%e8%bf%88%e5%be%b7\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Munir-Ahmed.png\" alt=\"\u7a46\u5c3c\u5c14\u00b7\u827e\u54c8\u8fc8\u5fb7\">\n                                                                        <h3 class=\"sub-heading\">\u7a46\u5c3c\u5c14\u00b7\u827e\u54c8\u8fc8\u5fb7<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-351\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Munir-Ahmed.png\" alt=\"\u7a46\u5c3c\u5c14\u00b7\u827e\u54c8\u8fc8\u5fb7\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u7a46\u5c3c\u5c14\u00b7\u827e\u54c8\u8fc8\u5fb7<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u827e\u54c8\u8fc8\u5fb7\u5148\u751f\u5728\u76d1\u7ba1\u5df4\u57fa\u65af\u5766\u548c\u963f\u66fc\u4f0a\u65af\u5170\u94f6\u884c\u4e1a\u548c\u91d1\u878d\u4e1a\u7684\u76d1\u7ba1\uff0c\u76d1\u7763\u548c\u5ba1\u8ba1\u65b9\u9762\u62e5\u670931\u5e74\u7684\u4e30\u5bcc\u7ecf\u9a8c\u3002 Munir Ahmed\u5728\u4e0e\u76d1\u7ba1\u673a\u6784\u5408\u4f5c\u65b9\u9762\u62e5\u6709\u4e30\u5bcc\u7684\u7ecf\u9a8c\u3002 \u81ea1983\u5e74\u4ee5\u6765\uff0c\u4ed6\u4e00\u76f4\u5728\u5df4\u57fa\u65af\u5766\u56fd\u5bb6\u94f6\u884c\u5de5\u4f5c\u3002\u5ea6\u8fc729\u5e74\u4e4b\u540e\uff0c\u4ed6\u88ab\u963f\u66fc\u82cf\u4e39\u56fd\u53ec\u96c6\u4e3a\u963f\u66fc\u4e2d\u592e\u94f6\u884c\u670d\u52a1\u3002 1980\u5e74\uff0c\u4f0a\u65af\u5170\u94f6\u884c\u5728\u5df4\u57fa\u65af\u5766\u6210\u7acb\u65f6\uff0c\u4ed6\u66fe\u5728SBP\u5efa\u7acb\u4f0a\u65af\u5170\u94f6\u884c\u90e8\u65b9\u9762\u53d1\u6325\u4e86\u91cd\u8981\u4f5c\u7528\u3002 \u4ed6\u4e00\u76f4\u4ece\u4e8b\u4e0e\u5df4\u57fa\u65af\u5766\u4f0a\u65af\u5170\u6559\u4e49\u4f0a\u65af\u5170\u94f6\u884c\u4e1a\u6709\u5173\u7684\u6cd5\u89c4\u5236\u5b9a\u5de5\u4f5c\u3002 \u81ea2012\u5e7412\u6708\u6210\u7acb\u4ee5\u6765\uff0c\u4ed6\u76ee\u524d\u5728\u963f\u66fc\u7684\u884c\u4e1a\u4efd\u989d\u5df2\u589e\u957f\u52304\uff05\u3002Munir Ahmed\u62e5\u6709\u5361\u62c9\u5947\u5927\u5b66\u7ecf\u6d4e\u5b66\u7855\u58eb\u5b66\u4f4d\u548cFazil-e-Arabic\u5b66\u4f4d\u3002<br \/>\n\u6cd5\u5f8b\u987e\u95ee<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-350\" href=\"#team-%e7%a9%86%e7%bd%95%e9%bb%98%e5%be%b7%c2%b7%e9%98%bf%e6%96%af%e5%85%b0\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Muhammad-Aslam.png\" alt=\"\u7a46\u7f55\u9ed8\u5fb7\u00b7\u963f\u65af\u5170\">\n                                                                        <h3 class=\"sub-heading\">\u7a46\u7f55\u9ed8\u5fb7\u00b7\u963f\u65af\u5170<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-350\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Muhammad-Aslam.png\" alt=\"\u7a46\u7f55\u9ed8\u5fb7\u00b7\u963f\u65af\u5170\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u7a46\u7f55\u9ed8\u5fb7\u00b7\u963f\u65af\u5170<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u7a46\u7f55\u9ed8\u5fb7\u00b7\u963f\u65af\u5170\uff08Mohammad Aslam\uff09\u66fe\u5728\u5df4\u57fa\u65af\u5766\u6700\u5927\u7684\u79c1\u4eba\u94f6\u884cHBL\u5de5\u4f5c\uff0c\u5df2\u670940\u591a\u5e74\u7684\u5386\u53f2\uff0c\u4e1a\u52a1\u904d\u53ca\u4e09\u5927\u6d32\u3002 \u4ed6\u5728\u82f1\u56fd\u62c5\u4efb\u8fc7\u5404\u79cd\u9ad8\u7ea7\u804c\u52a1\uff0c\u9886\u5bfc\u8be5\u884c\u6b27\u6d32\u4e1a\u52a1\uff0c\u62c5\u4efb\u8be5\u884c\u5728\u6fb3\u5927\u5229\u4e9aHabib Finance Australia Limited 100\uff05\u62e5\u6709\u7684\u5b50\u516c\u53f8\u7684\u9996\u5e2d\u6267\u884c\u5b98\u4ee5\u53ca\u5728\u6089\u5c3c\u7684HBL\u4e9a\u592a\u533a\u603b\u7ecf\u7406\u3002 \u4f5c\u4e3a\u4e2d\u56fd\u533a\u8d1f\u8d23\u4eba\uff0c\u4ed6\u5728\u4e2d\u56fd\u4ecb\u7ecd\u4e86HBL\u3002 \u4ed6\u4e0e\u4e2d\u56fd\u7684\u94f6\u884c\u548c\u516c\u53f8\u8c08\u5224\u4e86\u5404\u79cd\u534f\u8bae\uff0c\u4ee5\u5728\u4e24\u56fd\u4e4b\u95f4\u73b0\u6709\u7684\u53cb\u597d\u5173\u7cfb\u57fa\u7840\u4e0a\u53d1\u5c55\u3002 Aslam\u5148\u751f\u9886\u5bfc\u4e86\u603b\u90e8\u8bbe\u5728\u5361\u62c9\u5947\u603b\u90e8\u7684HBL\u4f0a\u65af\u5170\u94f6\u884c\u4e1a\u52a1\uff0c\u5e76\u5728\u77ed\u77ed\u4e24\u5e74\u5185\u5c06\u4e00\u4e2a\u5206\u652f\u673a\u6784\u53d8\u6210\u4e86\u6700\u5927\u7684\u4f0a\u65af\u5170\u94f6\u884c\u7f51\u7edc\u4e4b\u4e00\u3002 \u76ee\u524d\uff0c\u4ed6\u4ee5\u4ee3\u8868ESAAC\u5728\u8be5\u5730\u533a\u7684\u6267\u884c\u6210\u5458\u7684\u8eab\u4efd\u5e38\u9a7b\u4f26\u6566\u3002 [\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-349\" href=\"#team-%e8%b5%9b%e4%b9%89%e5%be%b7%c2%b7%e5%a1%94%e9%87%8c%e5%85%8b%c2%b7%e4%be%af%e8%b5%9b%e5%9b%a0\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/syed-tariq-hussain.png\" alt=\"\u8d5b\u4e49\u5fb7\u00b7\u5854\u91cc\u514b\u00b7\u4faf\u8d5b\u56e0\">\n                                                                        <h3 class=\"sub-heading\">\u8d5b\u4e49\u5fb7\u00b7\u5854\u91cc\u514b\u00b7\u4faf\u8d5b\u56e0<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-349\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/syed-tariq-hussain.png\" alt=\"\u8d5b\u4e49\u5fb7\u00b7\u5854\u91cc\u514b\u00b7\u4faf\u8d5b\u56e0\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u8d5b\u4e49\u5fb7\u00b7\u5854\u91cc\u514b\u00b7\u4faf\u8d5b\u56e0<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]Syed Tariq Husain\u662f\u4e00\u4f4d\u7ecf\u9a8c\u4e30\u5bcc\u7684\u94f6\u884c\u5bb6\uff0c\u5728\u672c\u5730\u548c\u5168\u7403\u5e02\u573a\u4e0a\u62e5\u670930\u5e74\u7684\u4e30\u5bcc\u7ecf\u9a8c\u3002<\/p>\n<p>\u5728\u804c\u4e1a\u751f\u6daf\u7684\u65e9\u671f\uff0c\u4ed6\u66fe\u5728\u7279\u8bb8\u4f1a\u8ba1\u5e08\u4e8b\u52a1\u6240Deloitte and Touche\uff0cErnst\uff06Young\u548cPWC\u8fdb\u884c\u57f9\u8bad\u548c\u5de5\u4f5c\u3002 \u4ed6\u7684\u94f6\u884c\u4e1a\u751f\u6daf\u59cb\u4e8e1987\u5e74\uff0c\u5f53\u65f6\u662fANZ Grindlays\u94f6\u884c\u7684\u9ad8\u7ea7\u5ba1\u8ba1\u5e08\uff0c\u540e\u6765\u5347\u4efb\u56fd\u5bb6\u8d22\u52a1\u4e3b\u7ba1\u548c\u6218\u7565\u89c4\u5212\u7ecf\u7406\u3002 1997\u5e74\uff0c\u4ed6\u88ab\u4f26\u6566ANZ\u6295\u8d44\u94f6\u884c\u4efb\u547d\u4e3a\u5168\u7403\u4f0a\u65af\u5170\u91d1\u878d\u8d1f\u8d23\u4eba\u548c\u5168\u7403\u7ed3\u6784\u6027\u8d22\u52a1\u603b\u76d1\uff0c\u8d1f\u8d23\u5f00\u53d1\u5404\u79cd\u4f0a\u65af\u5170\u91d1\u878d\u4ea7\u54c1\u3002 \u4ed6\u57282005\u5e74\u81f32010\u5e74\u671f\u95f4\u62c5\u4efb\u963f\u8054\u914b\u5168\u7403\u4f0a\u65af\u5170\u94f6\u884c\u9996\u5e2d\u6267\u884c\u5b98\u3002\u5728\u6b64\u4e4b\u524d\uff0c\u4ed6\u66fe\u5728\u8fea\u62dc\u7684\u8fea\u62dc\u6295\u8d44\u96c6\u56e2\u5de5\u4f5c\uff0c\u8d1f\u8d23\u53d1\u5c55\u4f0a\u65af\u5170\u91d1\u878d\u80fd\u529b\uff0c\u5305\u62ec\u6210\u7acb\u4e0a\u5e02\u7684\u56de\u6559\u4fdd\u9669\u516c\u53f8\u548c\u5efa\u7acb\u4f0a\u65af\u5170\u6b27\u6d32\u623f\u5730\u4ea7\u57fa\u91d1\u3002<\/p>\n<p>\u4faf\u8d5b\u56e0\u5148\u751f\u662f\u5df4\u57fa\u65af\u5766\uff0c\u52a0\u62ff\u5927\uff0c\u82f1\u683c\u5170\u548c\u5a01\u5c14\u58eb\u7684\u7279\u8bb8\u4f1a\u8ba1\u5e08\uff0c\u4ee5\u53ca\u52a0\u62ff\u5927\u7ea6\u514b\u5927\u5b66\u7684MBA\u5b66\u4f4d\u3002<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-347\" href=\"#team-mustafa-beg-cfa\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Mustafa-Beg-CFA.png\" alt=\"Mustafa Beg CFA\">\n                                                                        <h3 class=\"sub-heading\">Mustafa Beg CFA<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-347\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Mustafa-Beg-CFA.png\" alt=\"Mustafa Beg CFA\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">Mustafa Beg CFA<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]Mustafa Beg\u662f\u4e00\u4f4d\u6295\u8d44\u4e13\u4e1a\u4eba\u58eb\uff0c\u5728\u4f20\u7edf\u548c\u4f0a\u65af\u5170\u91d1\u878d\u670d\u52a1\u9886\u57df\u8fdb\u884c\u6295\u8d44\u65b9\u9762\u62e5\u6709\u8d85\u8fc715\u5e74\u7684\u5168\u7403\u7ecf\u9a8c\u3002 \u4ed6\u66fe\u62c5\u4efb\u5df4\u6797BMI\u94f6\u884c\u548c\u80af\u5c3c\u4e9a\u6d77\u6e7e\u975e\u6d32\u94f6\u884c\u7684\u8463\u4e8b\u4f1a\u6210\u5458\u3002 Mustafa\u62e5\u6709\u62c9\u5408\u5c14\u7ba1\u7406\u79d1\u5b66\u5927\u5b66\u7684\u571f\u6728\u5de5\u7a0b\u5b66\u58eb\u5b66\u4f4d\u548c\u5de5\u5546\u7ba1\u7406\u7855\u58eb\u5b66\u4f4d\uff0c\u5e76\u4e14\u662fCFA\u7279\u8bb8\u6301\u6709\u4eba\u3002<\/p>\n<p>Mustafa Beg\u662fIstithmar World\u7684\u8463\u4e8b\u603b\u7ecf\u7406\u3002 \u5728\u6b64\u671f\u95f4\uff0cMustafa\u8d1f\u8d23Istithmar\u5728\u5168\u7403\u91d1\u878d\u670d\u52a1\u884c\u4e1a\u5404\u4e2a\u5b50\u9886\u57df\u7684\u6295\u8d44\uff0c\u5305\u62ec\u94f6\u884c\uff0c\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\uff0c\u4fdd\u9669\u516c\u53f8\u548c\u4e13\u4e1a\u91d1\u878d\u3002 \u5728\u52a0\u5165Istithmar\u4e4b\u524d\uff0cMustafa\u5728Cupola Group\u5de5\u4f5c\uff0c\u5e76\u4e14\u662f\u5728\u4e2d\u4e1c\uff0c\u5357\u4e9a\u548c\u5317\u7f8e\u4f17\u591a\u884c\u4e1a\u4e2d\u8fdb\u884c\u79c1\u52df\u80a1\u6743\u548c\u98ce\u9669\u6295\u8d44\u6295\u8d44\u7684\u56e2\u961f\u7684\u6210\u5458\u3002<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-346\" href=\"#team-irfan-aleem%e5%8d%9a%e5%a3%ab\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Dr.-Irfan-Aleem.jpg\" alt=\"Irfan Aleem\u535a\u58eb\">\n                                                                        <h3 class=\"sub-heading\">Irfan Aleem\u535a\u58eb<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-346\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Dr.-Irfan-Aleem.jpg\" alt=\"Irfan Aleem\u535a\u58eb\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">Irfan Aleem\u535a\u58eb<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]Irfan Aleem \u535a\u58eb\u662f\u5361\u5854\u5c14\u7ecf\u6d4e\u8d38\u6613\u90e8\u7684\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6\u3002 \u6b64\u524d\uff0c\u4ed6\u66fe\u5728\u5409\u8fbe\u4f0a\u65af\u5170\u5f00\u53d1\u94f6\u884c\u548c\u534e\u76db\u987f\u4e16\u754c\u94f6\u884c\u62c5\u4efb\u9ad8\u7ea7\u548c\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6\u3002 \u4ed6\u8d1f\u8d23\u52a0\u5f3a\u4e0e\u6210\u5458\u56fd\u7684\u56fd\u5bb6\u5bf9\u8bdd\u3002 \u4ed6\u901a\u8fc7\u5ba1\u67e5\u5305\u62ec\u533a\u57df\u4e00\u4f53\u5316\u4e0e\u5408\u4f5c\u5728\u5185\u7684\u653f\u7b56\u548c\u4e3e\u63aa\uff0c\u76d1\u7763\u4e86\u6210\u5458\u56fd\u4f19\u4f34\u5173\u7cfb\u6218\u7565\u7684\u8bbe\u8ba1\u548c\u5b9e\u65bd\u4ee5\u53ca\u4e16\u884c\u4e1a\u52a1\u53d1\u5c55\u7684\u6709\u6548\u6027\u3002 \u4ed6\u662fESAAC\u7684\u6267\u884c\u6210\u5458\u548c\u987e\u95ee\u3002<\/p>\n<p>Irfan\u5148\u751f\u662f\u725b\u6d25\u5927\u5b66\u7684\u535a\u58eb\u5b66\u4f4d\u548c\u4f26\u6566\u5e1d\u56fd\u5b66\u9662\u7684\u7855\u58eb\u5b66\u4f4d\u3002<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u6cd5\u5f8b\u987e\u95ee<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-591\" href=\"#team-nhs%e6%b3%95%e5%be%8b\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/nhs.png\" alt=\"NHS\u6cd5\u5f8b\">\n                                                                        <h3 class=\"sub-heading\">NHS\u6cd5\u5f8b<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-591\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/nhs.png\" alt=\"NHS\u6cd5\u5f8b\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">NHS\u6cd5\u5f8b<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u6211\u4eec\u662f\u8c01\uff1f&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]<strong>Ehsan Shariah Advisors and Consultants\uff08\u7b80\u79f0\u201cESAAC\u201d\uff09<\/strong>, \u5728\u4f0a\u65af\u5170\u6559\u6cd5\u54a8\u8be2\u670d\u52a1\u9886\u57df\u4eab\u6709\u76db\u8a89\uff0c\u62e5\u6709\u65e0\u53ef\u6bd4\u62df\u7684\u7ecf\u9a8c\uff0c\u670d\u52a1\u5bf9\u8c61\u6db5\u76d6\u5404\u7c7b\u91d1\u878d\u548c\u975e\u91d1\u878d\u673a\u6784\uff0c\u5e76\u4e0e\u5404\u65b9\u4fdd\u6301\u5bc6\u5207\u5408\u4f5c\u3002<strong>\u7eb3\u74e6\u5179\u00b7\u4faf\u8d5b\u56e0\u00b7\u897f\u574e\u5fb7\u5f8b\u5e08\u4e8b\u52a1\u6240\uff08\u7b80\u79f0\u201cNHS\u201d\uff09<\/strong>, \u51ed\u501f\u591a\u5e74\u5728\u9876\u7ea7\u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u7ecf\u9a8c\uff0c\u4e24\u5bb6\u673a\u6784\u643a\u624b\u5408\u4f5c\uff0c\u63d0\u4f9b\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u521b\u65b0\u578b\u6cd5\u5f8b\u54a8\u8be2\u548c\u516c\u53f8\u670d\u52a1\uff0c\u6db5\u76d6\u4ece\u9879\u76ee\u542f\u52a8\u5230\u6267\u884c\u7684\u5404\u4e2a\u9636\u6bb5\u3002\u4e24\u5bb6\u673a\u6784\u5df2\u5408\u5e76\u6210\u7acb\u4e00\u5bb6\u5f8b\u5e08\u4e8b\u52a1\u6240\uff0c\u540d\u79f0\u4e3a[\u6b64\u5904\u5e94\u586b\u5199\u5f8b\u5e08\u4e8b\u52a1\u6240\u540d\u79f0]\u3002<strong>ESAAC-NHS\u4f0a\u65af\u5170\u91d1\u878d\u6cd5\u5f8b\u987e\u95ee\u3002<\/strong>[\/vc_column_text][vc_custom_heading text=&#8221;\u6211\u4eec\u63d0\u4f9b\u54ea\u4e9b\u670d\u52a1\uff1f&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]ESAAC-NHS\u662f\u9996\u5bb6\u63d0\u4f9b\u6cd5\u5f8b\u54a8\u8be2\u670d\u52a1\u7684\u673a\u6784\uff0c\u6211\u4eec\u63d0\u4f9b\u4e00\u7ad9\u5f0f\u89e3\u51b3\u65b9\u6848\uff0c\u786e\u4fdd\u91d1\u878d\u3001\u516c\u53f8\u548c\u5546\u4e1a\u5b89\u6392\u7b26\u5408\u6cd5\u5f8b\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u3002<\/p>\n<p>\u6211\u4eec\u63d0\u4f9b\u516c\u53f8\u548c\u5546\u4e1a\u5b89\u6392\u65b9\u9762\u7684\u6cd5\u5f8b\u54a8\u8be2\u670d\u52a1\uff0c\u5e76\u4ee3\u7406\u5ba2\u6237\u5728\u5305\u62ec\u5df4\u57fa\u65af\u5766\u9ad8\u7b49\u6cd5\u9662\u5728\u5185\u7684\u5404\u7c7b\u53f8\u6cd5\u548c\u51c6\u53f8\u6cd5\u673a\u6784\u5904\u7406\u4e89\u8bae\u89e3\u51b3\u4e8b\u5b9c\u3002<\/p>\n<p>\u6211\u4eec\u670d\u52a1\u4e8e\u94f6\u884c\u3001\u623f\u5730\u4ea7\u3001\u5efa\u7b51\u3001IT\u548c\u80fd\u6e90\u7b49\u884c\u4e1a\u7684\u56fd\u5185\u5916\u5ba2\u6237\u3002\u6211\u4eec\u62e5\u6709\u7ecf\u9a8c\u4e30\u5bcc\u7684\u6cd5\u5f8b\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u4e13\u5bb6\u56e2\u961f\uff0c\u4ee5\u53ca\u4e00\u652f\u7531\u5341\u516d\u540d\u5f8b\u5e08\u7ec4\u6210\u7684\u4e13\u4e1a\u56e2\u961f\uff0c\u5176\u4e2d\u5305\u62ec\u5927\u5f8b\u5e08\u3001\u4e8b\u52a1\u5f8b\u5e08\u548c\u8fa9\u62a4\u5f8b\u5e08\uff0c\u4ed6\u4eec\u5728\u5df4\u57fa\u65af\u5766\u516c\u53f8\u6cd5\u3001\u5546\u6cd5\u548c\u6c11\u6cd5\u65b9\u9762\u62e5\u6709\u4e30\u5bcc\u7684\u7ecf\u9a8c\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-352\" href=\"#team-%e8%8e%ab%e8%be%9b%c2%b7%e5%a1%94%e8%80%b6%e5%b7%b4%e5%88%a9%e5%85%ac%e5%8f%b8\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/mtc.png\" alt=\"\u83ab\u8f9b\u00b7\u5854\u8036\u5df4\u5229\u516c\u53f8\">\n                                                                        <h3 class=\"sub-heading\">\u83ab\u8f9b\u00b7\u5854\u8036\u5df4\u5229\u516c\u53f8<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-352\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/mtc.png\" alt=\"\u83ab\u8f9b\u00b7\u5854\u8036\u5df4\u5229\u516c\u53f8\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u83ab\u8f9b\u00b7\u5854\u8036\u5df4\u5229\u516c\u53f8<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]Mohsin Tayebaly &amp; Co. \u5728\u5df4\u57fa\u65af\u5766\u62e5\u6709\u4ee4\u4eba\u8273\u7fa1\u7684\u5730\u4f4d\uff0c\u662f\u4f0a\u65af\u5170\u6cd5\u878d\u8d44\u4ea4\u6613\u7ed3\u6784\u8bbe\u8ba1\u9886\u57df\u7ecf\u9a8c\u6700\u4e30\u5bcc\u7684\u516c\u53f8\u3002\u8be5\u516c\u53f8\u5728\u4f0a\u65af\u5170\u878d\u8d44\u4ea4\u6613\u65b9\u9762\u7ecf\u9a8c\u4e30\u5bcc\uff0c\u4f8b\u5982\u79df\u8d41\uff08Ijarah\uff09\u3001\u4f0a\u65af\u63d0\u65af\u7eb3\uff08Istisna&#8217;a\uff09\u3001\u7a46\u62c9\u5df4\u54c8\uff08Murabahah\uff09\u3001\u5408\u4f19\u878d\u8d44\uff08Musharakah\uff09\u3001\u9012\u51cf\u5f0f\u5408\u4f19\u878d\u8d44\uff08Drinking Musharakah\uff09\u4ee5\u53ca\u4ee5\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u57fa\u7840\u4ea4\u6613\u4e3a\u652f\u6491\u7684\u4f0a\u65af\u5170\u503a\u5238\uff08Sukuk\uff09\u53d1\u884c\u3002\u5176\u4e1a\u52a1\u8303\u56f4\u8fd8\u6db5\u76d6\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u6536\u8d2d\u548c\u623f\u5730\u4ea7\u878d\u8d44\u4ea4\u6613\uff0c\u6709\u65f6\u8fd8\u4f1a\u7ed3\u5408\u4f20\u7edf\u878d\u8d44\u65b9\u5f0f\u548c\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u878d\u8d44\u65b9\u5f0f\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u7ba1\u7406\u987e\u95ee<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-378\" href=\"#team-%e5%b7%b4%e5%b7%b4%e5%b0%94%c2%b7%e8%b4%be%e7%b1%b3%e5%b0%94\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Babar-Jamil.png\" alt=\"\u5df4\u5df4\u5c14\u00b7\u8d3e\u7c73\u5c14\">\n                                                                        <h3 class=\"sub-heading\">\u5df4\u5df4\u5c14\u00b7\u8d3e\u7c73\u5c14<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-378\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Babar-Jamil.png\" alt=\"\u5df4\u5df4\u5c14\u00b7\u8d3e\u7c73\u5c14\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u5df4\u5df4\u5c14\u00b7\u8d3e\u7c73\u5c14<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u8d22\u5bcc\u7ba1\u7406&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u5df4\u4f2f\u62e5\u6709\u8d85\u8fc712\u5e74\u7684\u94f6\u884c\u4ece\u4e1a\u7ecf\u9a8c\u3002\u4ed6\u66fe\u5c31\u804c\u4e8e\u6fb3\u5927\u5229\u4e9a\u8054\u90a6\u94f6\u884c\u8d22\u5bcc\u7ba1\u7406\u90e8\u95e8\uff0c\u8d1f\u8d23\u4e3a\u9ad8\u51c0\u503c\u5ba2\u6237\u63d0\u4f9b\u54a8\u8be2\u670d\u52a1\u3002\u4ed6\u4e00\u76f4\u81f4\u529b\u4e8e\u5728\u6fb3\u5927\u5229\u4e9a\u6784\u5efa\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u91d1\u878d\u54a8\u8be2\u670d\u52a1\u4f53\u7cfb\u3002\u6b64\u524d\uff0c\u4ed6\u66fe\u5728\u4f0a\u65af\u5170\u94f6\u884c\u548c\u91d1\u878d\u9886\u57df\u4ece\u4e8b\u4ea7\u54c1\u5f00\u53d1\u3001\u8d22\u5bcc\u7ba1\u7406\u548c\u4e1a\u52a1\u62d3\u5c55\u5de5\u4f5c\uff0c\u670d\u52a1\u8fc7\u7684\u673a\u6784\u5305\u62ec\u5df4\u57fa\u65af\u5766\u4f0a\u65af\u5170\u94f6\u884c\u6709\u9650\u516c\u53f8\u3001\u963f\u8054\u914b\u73af\u7403\u4f0a\u65af\u5170\u94f6\u884c\u6709\u9650\u516c\u53f8\u548cMCCA\u6709\u9650\u516c\u53f8\uff08\u6fb3\u5927\u5229\u4e9a\uff09\u3002<\/p>\n<p>\u5df4\u4f2f\u62e5\u6709\u7f8e\u56fd\u4e1c\u5317\u5927\u5b66\uff08\u4f4d\u4e8e\u9a6c\u8428\u8bf8\u585e\u5dde\u6ce2\u58eb\u987f\uff09\u5de5\u5546\u7ba1\u7406\u5b66\u58eb\u5b66\u4f4d\uff08\u4e3b\u4fee\u91d1\u878d\u4e0e\u4fdd\u9669\u548c\u4fe1\u606f\u7ba1\u7406\u7cfb\u7edf\uff09\uff0c\u4ee5\u53ca\u58a8\u5c14\u672c\u5927\u5b66\u4fe1\u606f\u7cfb\u7edf\u7855\u58eb\u5b66\u4f4d\u548c\u5de5\u5546\u7ba1\u7406\u7855\u58eb\u5b66\u4f4d\u3002\u4ed6\u8fd8\u83b7\u5f97\u4e86\u82f1\u56fd\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u4fdd\u9669\u5b66\u9662\u9881\u53d1\u7684\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u4fdd\u9669\u7814\u7a76\u751f\u6587\u51ed\u3002<\/p>\n<p><strong>\u4e13\u4e1a\u9886\u57df\uff1a<\/strong><\/p>\n<ul>\n<li>\u8d22\u5bcc\u7ba1\u7406<\/li>\n<li>\u4e1a\u52a1\u62d3\u5c55<\/li>\n<li>\u4f0a\u65af\u5170\u57fa\u91d1\u7ba1\u7406<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-373\" href=\"#team-cima%e7%9a%84yasir-jamali\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Yasir-Jamali.jpg\" alt=\"CIMA\u7684Yasir Jamali\">\n                                                                        <h3 class=\"sub-heading\">CIMA\u7684Yasir Jamali<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-373\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Yasir-Jamali.jpg\" alt=\"CIMA\u7684Yasir Jamali\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">CIMA\u7684Yasir Jamali<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u653f\u7b56\u4e0e\u7a0b\u5e8f\u5f00\u53d1\u4e13\u5bb6&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]Jamali\u662f\u4e00\u4f4d\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4f0a\u65af\u5170\u91d1\u878d\u4e13\u4e1a\u4eba\u58eb\uff0c\u5728\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u5ba1\u67e5\u548c\u5ba1\u8ba1\uff0c\u4fe1\u7528\u5206\u6790\uff0c\u4e1a\u52a1\u54a8\u8be2\u65b9\u9762\u62e5\u6709\u591a\u5e74\u7684\u591a\u5143\u5316\u548c\u56fd\u9645\u94f6\u884c\u7ecf\u9a8c\uff0c\u5e76\u5728\u653f\u7b56\u5236\u5b9a\u548cSOP\u5f00\u53d1\u65b9\u9762\u5177\u6709\u4e30\u5bcc\u7684\u7ecf\u9a8c\u3002<\/p>\n<p>\u4ed6\u62e5\u6709IoBM Karachi\uff08\u539fCBM\uff09\u7684MBA\u5b66\u4f4d\u3002 \u4ed6\u62e5\u6709\u82f1\u56fdCIMA\u7684\u4f0a\u65af\u5170\u91d1\u878d\u6587\u51ed\u548cIBA-CIEF\u5361\u62c9\u5947\u7684AAOIFI\u4f0a\u65af\u5170\u6559\u4e49\u6807\u51c6\u7684\u9ad8\u7ea7\u8ba4\u8bc1\u3002 \u4ed6\u8fd8\u83b7\u5f97\u4e86Mentor Global Consultants-Abu Dhabi\u4f0a\u65af\u5170\u94f6\u884c\uff08UAE\uff09\u548c\u5176\u4ed6\u673a\u6784\u7684\u4f0a\u65af\u5170\u94f6\u884cIBA-CIEF\u8d44\u91d1\u7ba1\u7406\u548c\u53cd\u6d17\u94b1\u5408\u89c4\u8ba4\u8bc1\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-369\" href=\"#team-%e4%b9%8c%e7%8e%9b%c2%b7%e6%b3%95%e9%b2%81%e5%85%8b%ef%bc%88%e5%8a%a0%e6%8b%bf%e5%a4%a7%ef%bc%89\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Umar-Farook-Canada.jpg\" alt=\"\u4e4c\u739b\u00b7\u6cd5\u9c81\u514b\uff08\u52a0\u62ff\u5927\uff09\">\n                                                                        <h3 class=\"sub-heading\">\u4e4c\u739b\u00b7\u6cd5\u9c81\u514b\uff08\u52a0\u62ff\u5927\uff09<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-369\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Umar-Farook-Canada.jpg\" alt=\"\u4e4c\u739b\u00b7\u6cd5\u9c81\u514b\uff08\u52a0\u62ff\u5927\uff09\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u4e4c\u739b\u00b7\u6cd5\u9c81\u514b\uff08\u52a0\u62ff\u5927\uff09<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u4f0a\u65af\u5170\u56fd\u5e93\u548c\u8d38\u6613\u91d1\u878d\u4e13\u5bb6&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]\u4e4c\u9a6c\u5c14\u00b7\u6cd5\u9c81\u514b\uff08Umar Farooq\uff09\u5148\u751f\u662f\u5408\u683c\u7684\u4f0a\u65af\u5170\u8d22\u653f\u548c\u8d38\u6613\u91d1\u878d\u4ece\u4e1a\u4eba\u5458\u3002 \u4ed6\u5728\u4e09\u5927\u6d32\u7684\u91d1\u878d\u673a\u6784\u548c\u5f00\u53d1\u673a\u6784\u62e5\u670920\u591a\u5e74\u7684\u5de5\u4f5c\u7ecf\u9a8c\u3002 Umar\u62e5\u6709\u52a0\u62ff\u5927\u7687\u540e\u5927\u5b66\u91d1\u878d\u7855\u58eb\u5b66\u4f4d\uff08MFin\uff09\u4ee5\u53ca\u4f0a\u65af\u5170\u7ecf\u6d4e\u4e2d\u5fc3\uff08CIE\uff09\u548c\u56fd\u5bb6\u94f6\u884c\u4e0e\u91d1\u878d\u7814\u7a76\u6240\uff08NIBAF\uff09\u7684\u4f0a\u65af\u5170\u94f6\u884c\u6587\u51ed\u3002 \u963f\u8054\u914b\u56fd\u9645\u5546\u4f1a\uff08ICC\uff09\u7684\u521b\u59cb\u4eba\uff0c\u5e76\u4e14\u662f\u53d1\u8d77\u8054\u5408\u94f6\u884c\uff08United Bank Ltd\uff09\u4f0a\u65af\u5170\u94f6\u884c\uff08UBL-Ameen\uff09\u7684\u6838\u5fc3\u56e2\u961f\u6210\u5458\u3002 \u5728UBL Ameen\uff0c\u4ed6\u62c5\u4efb\u8fc7\u5404\u79cd\u9ad8\u7ea7\u804c\u52a1\uff0c\u5305\u62ec\u62c5\u4efb\u5e93\u52a1\uff0c\u4f01\u4e1a\u94f6\u884c\uff0c\u503a\u52a1\u9500\u552e\uff0c\u8d38\u6613\u878d\u8d44\u548c\u73b0\u91d1\u7ba1\u7406\u7684\u533a\u57df\u4e1a\u52a1\u4e3b\u7ba1\u4e00\u804c\u3002 \u4ed6\u8fd8\u9886\u5bfc\u4e00\u5bb6\u5927\u578b\u52a0\u62ff\u5927\u94f6\u884c\uff08CIBC\uff09\u7684\u5168\u7403\u8d38\u6613\u878d\u8d44\u90e8\u5ba2\u6237\u670d\u52a1\u90e8\u3002Umar\u5df2\u4e0eICC\uff0c\u5df4\u57fa\u65af\u5766\u94f6\u884c\u5bb6\u534f\u4f1a\uff08IBP\uff09\u4ee5\u53ca\u5df4\u57fa\u65af\u5766\uff0c\u963f\u8054\u914b\u548c\u52a0\u62ff\u5927\u7684\u94f6\u884c\u8fdb\u884c\u4e86\u591a\u6b21\u4f0a\u65af\u5170\u548c\u8d38\u6613\u91d1\u878d\u57f9\u8bad\u3002 [\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-368\" href=\"#team-farrukh-habib%e5%8d%9a%e5%a3%ab\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Dr.-Farrukh-Habib.jpg\" alt=\"Farrukh Habib\u535a\u58eb\">\n                                                                        <h3 class=\"sub-heading\">Farrukh Habib\u535a\u58eb<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-368\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Dr.-Farrukh-Habib.jpg\" alt=\"Farrukh Habib\u535a\u58eb\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">Farrukh Habib\u535a\u58eb<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u91d1\u878d\u79d1\u6280\u987e\u95ee&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u81ea2013\u5e74\u4ee5\u6765\uff0cFarrukh\u4e00\u76f4\u5728\u4f0a\u65af\u5170\u6559\u56fd\u9645\u4f0a\u65af\u5170\u91d1\u878d\u7814\u7a76\u9662\uff08ISRA\uff0c\u5409\u9686\u5761\uff09\u62c5\u4efb\u7814\u7a76\u5b66\u8005\u3002 \u4ed6\u7684\u4e13\u957f\u6d89\u53ca\u4e3b\u6743\u8d22\u5bcc\u57fa\u91d1\uff0c\u8d44\u672c\u5e02\u573a\uff0c\u4f0a\u65af\u5170\u5bf9\u51b2\u5de5\u5177\uff0c\u80a1\u7968\u7684\u56de\u6559\u6559\u4e49\u7b5b\u9009\u6807\u51c6\uff0c\u5305\u62ec\u533a\u5757\u94fe\uff0c\u52a0\u5bc6\u8d27\u5e01\uff0c\u4eba\u5de5\u667a\u80fd\u548cSukuk\u5728\u5185\u7684\u91d1\u878d\u79d1\u6280\u3002 \u4ed6\u5b8c\u6210\u4e86\u56fd\u9645\u4e0a\u53d1\u8868\u7684\u8bb8\u591a\u6709\u5173\u4f0a\u65af\u5170\u91d1\u878d\u7684\u7814\u7a76\u8bba\u6587\u3002<\/p>\n<p>Farrukh\u62e5\u6709\u9a6c\u6765\u897f\u4e9a\u5409\u9686\u5761INCEIF\u7684\u535a\u58eb\u5b66\u4f4d\uff0c\u82f1\u56fd\u4f26\u6566\u5927\u5b66\u739b\u4e3d\u7687\u540e\u5b66\u9662\u7684\u94f6\u884c\u4e0e\u91d1\u878d\u7855\u58eb\u5b66\u4f4d\uff08MSc\uff09\uff0c\u4ee5\u53ca\u5df4\u57fa\u65af\u5766\u5361\u62c9\u5947\u5927\u5b66\u7684\u7ecf\u6d4e\u5b66\u7855\u58eb\u5b66\u4f4d\uff08MA\uff09\u3002<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-367\" href=\"#team-%e5%8d%a1%e8%a5%bf%e5%a4%ab%c2%b7%e8%a5%bf%e8%bf%aa%e5%9f%ba\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Kashif-Siddiqee.jpg\" alt=\"\u5361\u897f\u592b\u00b7\u897f\u8fea\u57fa\">\n                                                                        <h3 class=\"sub-heading\">\u5361\u897f\u592b\u00b7\u897f\u8fea\u57fa<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-367\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Kashif-Siddiqee.jpg\" alt=\"\u5361\u897f\u592b\u00b7\u897f\u8fea\u57fa\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u5361\u897f\u592b\u00b7\u897f\u8fea\u57fa<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u56de\u6559\u4fdd\u9669\u987e\u95ee&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]Kashif Siddique\u662f\u4fdd\u9669\u548c\u56de\u6559\u4fdd\u9669\u4e13\u5bb6\u3002 \u4ed6\u5728\u5df4\u57fa\u65af\u5766\u548c\u963f\u66fc\u7684\u76d1\u7ba1\u673a\u6784\u62e5\u6709\u8d85\u8fc79\u5e74\u7684\u4e30\u5bcc\u7ecf\u9a8c\u3002 \u4ed6\u66fe\u5728\u5df4\u57fa\u65af\u5766\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a\u62c5\u4efb\u516c\u53f8\u6cd5\u6267\u884c\u90e8\u548c\u4fdd\u9669\u90e8\u7684\u8054\u5e2d\u4e3b\u7ba1\u3002 \u4ed6\u5728\u5236\u5b9a\u548c\u8d77\u8349\u300a 2012\u5e74\u56de\u6559\u4fdd\u9669\u89c4\u5219\u300b\u65b9\u9762\u53d1\u6325\u4e86\u91cd\u8981\u4f5c\u7528\u3002\u6b64\u5916\uff0c\u4ed6\u7684\u804c\u8d23\u5305\u62ec\u6839\u636e\u300a 1984\u5e74\u516c\u53f8\u6761\u4f8b\u300b\uff0c\u300a\u4fdd\u9669\u6761\u4f8b\u300b\uff0c2000\u5e74\uff0c\u300a\u56de\u6559\u4fdd\u9669\u89c4\u5219\u300b\uff0c2012\u5e74\uff0c\u300a\u56fd\u9645\u4f1a\u8ba1\u548c\u8d22\u52a1\u62a5\u544a\u51c6\u5219\u300b\u5bf9\u5df4\u57fa\u65af\u5766\u7684\u4fdd\u9669\u548c\u56de\u6559\u4fdd\u9669\u4e1a\u8fdb\u884c\u76d1\u63a7\u3002 \uff08IAS\u548cIFRS\uff09\u3002 \u4ed6\u66fe\u4e3a\u963f\u66fc\u7684\u4fdd\u9669\u76d1\u7ba1\u4eba\u63d0\u4f9b\u5efa\u8bae\u3002 \u4ed6\u8d77\u8349\u4e86\u65b0\u7684\u76d1\u7ba1\u6846\u67b6\uff0c\u5e76\u4fee\u8ba2\u4e86\u4e0e\u4fdd\u9669\u548c\u56de\u6559\u4fdd\u9669\u90e8\u95e8\u6709\u5173\u7684\u73b0\u6709\u6cd5\u5f8b\u6cd5\u89c4\u3002 \u4ed6\u8fd8\u6839\u636e\u57fa\u4e8e\u98ce\u9669\u7684\u76d1\u7763\u65b9\u6cd5\u8c03\u6574\u4e86\u76d1\u7763\u65b9\u6cd5\u3002<\/p>\n<p>\u5361\u5e0c\u592b\uff08Kashif\uff09\u662f\u5df4\u57fa\u65af\u5766\u7279\u8bb8\u4f1a\u8ba1\u5e08\u534f\u4f1a\u7684\u8d44\u6df1\u4f1a\u5458\u3002 \u4ed6\u662f\u5df4\u57fa\u65af\u5766\u516c\u5171\u8d22\u653f\u4f1a\u8ba1\u5e08\u534f\u4f1a\uff08PIPFA\uff09\u7684\u8d44\u6df1\u4f1a\u5458\u3002 \u4ed6\u62e5\u6709\u4f0a\u65af\u5170\u94f6\u884c\uff0c\u91d1\u878d\u548c\u56de\u6559\u4fdd\u9669\u7684\u7814\u7a76\u751f\u6587\u51ed-PGD\u3002 \u4ed6\u8fd8\u662f\u4f0a\u65af\u5170\u6559\u4e49\u5408\u89c4\u5ba1\u6838\u5458\uff08CSCA\uff09\u3002<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-365\" href=\"#team-%e9%98%bf%e9%bd%90%e5%a7%86%c2%b7%e4%bc%8a%e5%85%8b%e5%b7%b4%e5%b0%94%c2%b7%e7%9a%ae%e6%8b%89%e5%b0%bc\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Azeem-Iqbal-Pirani.jpg\" alt=\"\u963f\u9f50\u59c6\u00b7\u4f0a\u514b\u5df4\u5c14\u00b7\u76ae\u62c9\u5c3c\">\n                                                                        <h3 class=\"sub-heading\">\u963f\u9f50\u59c6\u00b7\u4f0a\u514b\u5df4\u5c14\u00b7\u76ae\u62c9\u5c3c<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-365\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Azeem-Iqbal-Pirani.jpg\" alt=\"\u963f\u9f50\u59c6\u00b7\u4f0a\u514b\u5df4\u5c14\u00b7\u76ae\u62c9\u5c3c\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u963f\u9f50\u59c6\u00b7\u4f0a\u514b\u5df4\u5c14\u00b7\u76ae\u62c9\u5c3c<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u4f0a\u65af\u5170\u4fdd\u9669\u987e\u95ee\u53ca\u4f01\u4e1a\u57f9\u8bad\u5e08&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u4e00\u4f4d\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4f0a\u65af\u5170\u91d1\u878d\u4ece\u4e1a\u8005\uff0c\u62e5\u6709\u5353\u8d8a\u7684\u5b66\u672f\u548c\u5b9e\u8df5\u4e13\u957f\u3002\u4ed6\u62e5\u6709\u8d85\u8fc7\u5341\u4e94\u5e74\u7684\u5de5\u4f5c\u7ecf\u9a8c\uff0c\u79ef\u7d2f\u4e86\u4e30\u5bcc\u7684\u7ba1\u7406\u548c\u5e02\u573a\u8425\u9500\u7ecf\u9a8c\uff0c\u5c24\u5176\u64c5\u957f\u63a8\u5e7f\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u91d1\u878d\u4ea7\u54c1\u3002\u4ed6\u6ce8\u91cd\u8d28\u91cf\uff0c\u4eba\u9645\u4ea4\u5f80\u80fd\u529b\u5f3a\uff0c\u4e0d\u4ec5\u80fd\u591f\u5145\u5206\u53d1\u6325\u4e2a\u4eba\u6f5c\u80fd\uff0c\u66f4\u80fd\u6fc0\u53d1\u6574\u4e2a\u56e2\u961f\u7684\u6f5c\u529b\u3002\u4ed6\u6e34\u671b\u4e0e\u5fd7\u540c\u9053\u5408\u7684\u4eba\u58eb\u5408\u4f5c\uff0c\u5171\u540c\u53d1\u5c55\u58ee\u5927\u4f0a\u65af\u5170\u91d1\u878d\u670d\u52a1\u884c\u4e1a\u3002\u51ed\u501f\u7ba1\u7406\u5927\u578b\u673a\u6784\u7684\u7ecf\u9a8c\uff0cAzeem \u5bf9\u4f01\u4e1a\u8fd0\u8425\u7684\u9a71\u52a8\u56e0\u7d20\u6709\u7740\u6df1\u523b\u7684\u7406\u89e3\u3002\u5982\u4eca\uff0c\u4ed6\u5df2\u8f6c\u578b\u8fdb\u5165\u4f0a\u65af\u5170\u91d1\u878d\u9886\u57df\uff08\u94f6\u884c\u548c\u4f0a\u65af\u5170\u4fdd\u9669\uff09\uff0c\u5e76\u671f\u5f85\u5728\u8fd9\u4e2a\u65b0\u5174\u4f46\u5feb\u901f\u53d1\u5c55\u7684\u5168\u7403\u91d1\u878d\u884c\u4e1a\u9886\u57df\u7559\u4e0b\u81ea\u5df1\u7684\u5370\u8bb0\uff0c\u8d21\u732e\u81ea\u5df1\u7684\u529b\u91cf\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-363\" href=\"#team-%e7%a9%86%e8%8f%b2%c2%b7%e6%89%8e%e5%b8%8c%e5%be%b7\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Mufti-Zahid.jpg\" alt=\"\u7a46\u83f2\u00b7\u624e\u5e0c\u5fb7\">\n                                                                        <h3 class=\"sub-heading\">\u7a46\u83f2\u00b7\u624e\u5e0c\u5fb7<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-363\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Mufti-Zahid.jpg\" alt=\"\u7a46\u83f2\u00b7\u624e\u5e0c\u5fb7\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u7a46\u83f2\u00b7\u624e\u5e0c\u5fb7<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u56de\u6559\u4fdd\u9669\u987e\u95ee\u548c\u57f9\u8bad\u5e08&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]Mufti Muhammad Zahid\u4e0e\u56de\u6559\u4fdd\u9669\u884c\u4e1a\u6709\u8fd1\u5341\u5e74\u7684\u5173\u7cfb\u3002 \u4ed6\u4ece\u4e8b\u56de\u6559\u4fdd\u9669\u6a21\u578b\u7684\u57f9\u8bad\uff0c\u54a8\u8be2\u548c\u7814\u7a76\u3002<br \/>\n\u4ed6\u5b8c\u6210\u4e86\u4f0a\u65af\u5170\u8bba\u6587\uff0c\u5e76\u4e14\u7cbe\u901a\u4f0a\u65af\u5170\u6cd5\u5b66\u3002 \u4ed6\u6bd5\u4e1a\u4e8eMPhil\uff0c\u5e76\u4ece\u5361\u62c9\u5947\u5927\u5b66\uff08University of Karachi\uff09\u653b\u8bfb\u535a\u58eb\u5b66\u4f4d\uff0c\u76ee\u524d\u6b63\u5728\u653b\u8bfbMufti\u3002<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-361\" href=\"#team-yusuf-abdul-jobbar%e5%8d%9a%e5%a3%ab\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Dr.-Yusuf-Abdul-Jobbar.jpg\" alt=\"Yusuf Abdul-Jobbar\u535a\u58eb\">\n                                                                        <h3 class=\"sub-heading\">Yusuf Abdul-Jobbar\u535a\u58eb<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-361\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Dr.-Yusuf-Abdul-Jobbar.jpg\" alt=\"Yusuf Abdul-Jobbar\u535a\u58eb\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">Yusuf Abdul-Jobbar\u535a\u58eb<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u4f01\u4e1a\u57f9\u8bad\u5e08&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]Yusuf Abdul-Jobbar\u535a\u58eb\u662f\u4e16\u754c\u8457\u540d\u7684\u6c99\u7279\u963f\u62c9\u4f2f\u9ea6\u5730\u90a3\u4f0a\u65af\u5170\u5927\u5b66\u7684\u9879\u76ee\u8d1f\u8d23\u4eba\u3002 \u4ed6\u8fd8\u5728\u5148\u77e5\u5b66\u9662\uff08\u613f\u4ed6\u5b89\u606f\uff09\u4e0a\u4f5c\u6f14\u8bb2\uff0c\u8be5\u5b66\u9662\u662f\u9ea6\u5730\u90a3\u6e05\u771f\u5bfa\u7eb3\u5df4\u5a01\u6e05\u771f\u5bfa\u7684\u4e00\u90e8\u5206\u3002 \u4ed6\u662f\u4e00\u4f4d\u7ecf\u9a8c\u4e30\u5bcc\u7684\u9ad8\u7ea7\u4e3b\u7ba1\uff0c\u4e13\u95e8\u7814\u7a76\u4f0a\u65af\u5170\u91d1\u878d\u548c\u9886\u5bfc\u529b\u3002\u4ed6\u64b0\u5199\u8fc7\u4e66\u7c4d\uff0c\u64b0\u5199\u4e86\u671f\u520a\u6587\u7ae0\uff0c\u5e76\u5728\u4e16\u754c\u5404\u5730\u7684\u8bb8\u591a\u4f1a\u8bae\u4e0a\u4e3b\u6301\uff0c\u4e3b\u6301\u548c\u4ecb\u7ecd\u4e86\u8fd9\u4e9b\u5185\u5bb9\u3002 \u6b64\u5916\uff0c\u4ed6\u5df2\u7ecf\u5728\u57f9\u8bad\u548c\u6559\u80b2\u9886\u57df\u670d\u52a1\u4e8615\u5e74\u4ee5\u4e0a\u3002<\/p>\n<p>\u4f18\u7d20\u798f\uff08Yusuf\uff09\u62e5\u6709\u7231\u5c14\u5170\u7d22\u5c14\u798f\u5fb7\u5927\u5b66\uff08Warn borough\uff09\u7684\u7d22\u5c14\u798f\u5fb7\u5927\u5b66\uff08Salford University\uff09\u9886\u5bfc\u529b\u535a\u58eb\u5b66\u4f4d\uff0c\u5e76\u62e5\u6709\u82f1\u56fd\u83b1\u65af\u7279\u5927\u5b66\uff08University\uff09\u7684MBA\u7814\u7a76\u751f\u8bc1\u4e66\u3002 \u4ed6\u662fAAOIFI\u7684\u4f0a\u65af\u5170\u6559\u4e49\u987e\u95ee\u548c\u5ba1\u8ba1\u5e08\uff08CSAA\uff09\uff0cEthica\u7684\u4f0a\u65af\u5170\u91d1\u878d\u6267\u884c\u5b98\uff08CIFE\uff09\u8ba4\u8bc1\uff0c\u4ee5\u53ca\u82f1\u56fdCIMA\u7684\u4f0a\u65af\u5170\u5546\u4e1a\u6cd5\u8bc1\u4e66\u3002<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-359\" href=\"#team-cife%e8%b5%9b%e4%b9%89%e5%be%b7%c2%b7%e9%98%bf%e6%89%8e%e5%a7%86%c2%b7%e5%a1%9e%e8%8f%b2\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Syed-Azam-Saifi-CIFE.jpg\" alt=\"CIFE\u8d5b\u4e49\u5fb7\u00b7\u963f\u624e\u59c6\u00b7\u585e\u83f2\">\n                                                                        <h3 class=\"sub-heading\">CIFE\u8d5b\u4e49\u5fb7\u00b7\u963f\u624e\u59c6\u00b7\u585e\u83f2<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-359\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Syed-Azam-Saifi-CIFE.jpg\" alt=\"CIFE\u8d5b\u4e49\u5fb7\u00b7\u963f\u624e\u59c6\u00b7\u585e\u83f2\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">CIFE\u8d5b\u4e49\u5fb7\u00b7\u963f\u624e\u59c6\u00b7\u585e\u83f2<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u4ea7\u54c1\u548c\u653f\u7b56\u4e13\u5458&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]Saifi\u5148\u751f\u66fe\u4e0eUBL\uff0cMeezan\u548cBank Dhofar\u7b49\u7ec4\u7ec7\u5408\u4f5c\uff0c\u8d1f\u8d23\u5236\u5b9a\u548c\u7ba1\u7406\u6240\u6709\u653f\u7b56\u548c\u7a0b\u5e8f\u6846\u67b6\uff0c\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u4e0e\u5ba1\u8ba1\u3002 \u4ed6\u5728\u4f0a\u65af\u5170\u91d1\u878d\u9886\u57df\u62e5\u6709\u5341\u591a\u5e74\u7684\u7ecf\u9a8c\uff0c\u4e13\u95e8\u7814\u7a76\u8d44\u672c\u5e02\u573a\uff0c\u54a8\u8be2\uff0c\u4ea7\u54c1\u548c\u653f\u7b56\u5236\u5b9a\uff0c\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u548c\u5ba1\u8ba1\u3002<\/p>\n<p>Saifi\u5148\u751f\u62e5\u6709\u4f0a\u65af\u5170\u5821\u56fd\u9645\u4f0a\u65af\u5170\u5927\u5b66\u7684\u7ecf\u6d4e\u5b66\uff0c\u91d1\u878d\u5b66\u548c\u4f0a\u65af\u5170\u6cd5\u5b66\u5b66\u58eb\u548c\u7855\u58eb\u5b66\u4f4d\u3002 \u4ed6\u8fd8\u62e5\u6709\u5df4\u57fa\u65af\u5766\u7a7a\u519b\u5361\u62c9\u5947\u7ecf\u6d4e\u6280\u672f\u5b66\u9662\uff08PAF-KIET\uff09\u7684\u91d1\u878d\u7855\u58eb\u5b66\u4f4d\uff0c\u5361\u62c9\u5947\uff0cAAOIFI\u8ba4\u8bc1\u7684\u4f0a\u65af\u5170\u6559\u4e49\u987e\u95ee\u548c\u5ba1\u8ba1\u5e08\u4ee5\u53caEthica\u4f0a\u65af\u5170\u91d1\u878d\u7814\u7a76\u6240\u7684\u8ba4\u8bc1\u4f0a\u65af\u5170\u91d1\u878d\u4e3b\u7ba1\u3002<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-357\" href=\"#team-%e6%8b%89%e5%b8%8c%e5%b0%94%c2%b7%e5%b7%b4%e5%8a%a0%e5%b0%94\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Raheel-Bhagar-1.jpg\" alt=\"\u62c9\u5e0c\u5c14\u00b7\u5df4\u52a0\u5c14\">\n                                                                        <h3 class=\"sub-heading\">\u62c9\u5e0c\u5c14\u00b7\u5df4\u52a0\u5c14<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-357\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Raheel-Bhagar-1.jpg\" alt=\"\u62c9\u5e0c\u5c14\u00b7\u5df4\u52a0\u5c14\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u62c9\u5e0c\u5c14\u00b7\u5df4\u52a0\u5c14<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u4f01\u4e1a\u57f9\u8bad\u5e08&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u62c9\u5e0c\u5c14\u00b7\u5df4\u52a0\u5c14\u662f\u4e00\u4f4d\u8d44\u6df1\u7684\u4f0a\u65af\u5170\u94f6\u884c\u5bb6\uff0c\u62e5\u6709CSAA\u8ba4\u8bc1\u548c\u4e30\u5bcc\u7684\u76f8\u5173\u6559\u80b2\u80cc\u666f\u3002\u4ed6\u62e5\u6709\u5341\u5e74\u591a\u5143\u5316\u9886\u57df\u7684\u4ece\u4e1a\u7ecf\u9a8c\uff0c\u66fe\u62c5\u4efb\u4fe1\u8d37\u4e0e\u79df\u8d41\u4e3b\u7ba1\u4ee5\u53ca\u4f0a\u65af\u5170\u4fe1\u8d37\u8fd0\u8425\u3001\u57f9\u8bad\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u90e8\u95e8\u4e3b\u7ba1\u3002<\/p>\n<p>\u4ed6\u62e5\u6709\u82f1\u56fd\u675c\u4f26\u5927\u5b66\u675c\u4f26\u5546\u5b66\u9662\uff08DUBS\uff09\u91d1\u878d\u4e0e\u6295\u8d44\u7855\u58eb\u5b66\u4f4d\uff0c\u4ee5\u53ca\u6c99\u7279\u4f0a\u65af\u5170\u7ecf\u6d4e\u5b66\u9662\uff08SZABIST\uff09\u5de5\u5546\u7ba1\u7406\u7855\u58eb\u5b66\u4f4d\u3002\u6b64\u5916\uff0c\u4ed6\u8fd8\u62e5\u6709\u4f0a\u65af\u5170\u7ecf\u6d4e\u4e2d\u5fc3\uff08\u96b6\u5c5e\u4e8e\u8fbe\u9c81\u4e4c\u9c81\u59c6\u4f0a\u65af\u5170\u5927\u5b66\uff09\u9881\u53d1\u7684\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u91d1\u878d\u7814\u7a76\u751f\u6587\u51ed\u3002\u4ed6\u6301\u6709\u8ba4\u8bc1\u57f9\u8bad\u5e08\u8d44\u683c\uff0c\u63d0\u4f9b\u4fe1\u8d37\u98ce\u9669\u3001\u653f\u7b56\u4e0e\u7a0b\u5e8f\u3001\u5df4\u57fa\u65af\u5766\u56fd\u5bb6\u94f6\u884c\uff08SBP\uff09\u6cd5\u89c4\u3001\u8d22\u52a1\u62a5\u8868\u5206\u6790\u3001\u4f0a\u65af\u5170\u8d38\u6613\u8fd0\u8425\u7b49\u65b9\u9762\u7684\u57f9\u8bad\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-355\" href=\"#team-%e6%b5%b7%e4%ba%9a%e5%a7%86%c2%b7%e4%b8%b9%e5%b0%bc%e4%bb%80\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Khayyam-Danish.jpg\" alt=\"\u6d77\u4e9a\u59c6\u00b7\u4e39\u5c3c\u4ec0\">\n                                                                        <h3 class=\"sub-heading\">\u6d77\u4e9a\u59c6\u00b7\u4e39\u5c3c\u4ec0<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-355\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/Khayyam-Danish.jpg\" alt=\"\u6d77\u4e9a\u59c6\u00b7\u4e39\u5c3c\u4ec0\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u6d77\u4e9a\u59c6\u00b7\u4e39\u5c3c\u4ec0<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u4ea7\u54c1\u4e13\u5bb6&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;&#8221;]\u4e39\u9ea6\u5148\u751f\u5728\u5927\u578b\u94f6\u884c\u4ece\u4e8b\u9879\u76ee\u7ba1\u7406\u548c\u4ea7\u54c1\u5f00\u53d1\u5de5\u4f5c\u8fd1\u5341\u5e74\uff0c\u66fe\u4e3a\u591a\u5bb6\u673a\u6784\u6253\u9020\u4e86\u4e00\u7cfb\u5217\u4ea7\u54c1\u548c\u670d\u52a1\u3002\u4ed6\u4e0e\u4e1a\u52a1\u90e8\u95e8\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u987e\u95ee\u3001\u76d1\u7ba1\u673a\u6784\u3001\u8d22\u52a1\u603b\u76d1\u3001\u98ce\u9669\u7ba1\u7406\u90e8\u95e8\u3001\u8fd0\u8425\u56e2\u961f\u4ee5\u53caIT\u8fd0\u8425\u56e2\u961f\u7d27\u5bc6\u5408\u4f5c\uff0c\u5171\u540c\u521b\u5efa\u5e76\u90e8\u7f72\u4e1a\u52a1\u6a21\u578b\u548c\u6838\u5fc3\u94f6\u884c\u7cfb\u7edf\u3002\u4ed6\u5bf9\u4f0a\u65af\u5170\u94f6\u884c\u4ea7\u54c1\u548c\u670d\u52a1\u6709\u7740\u6df1\u5165\u7684\u4e86\u89e3\uff0c\u5e76\u719f\u6089\u76f8\u5173\u7684\u7ba1\u7406\u548c\u76d1\u7ba1\u6cd5\u89c4\u3002\u4ed6\u6210\u529f\u7ba1\u7406\u8fc7\u4f17\u591a\u4ea7\u54c1\uff0c\u4ece\u6982\u5ff5\u6784\u601d\u5230\u4ea7\u54c1\u4e0a\u5e02\uff0c\u5168\u7a0b\u53c2\u4e0e\u3002<\/p>\n<p>\u4ed6\u62e5\u6709\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u91d1\u878d\u53cc\u7855\u58eb\u5b66\u4f4d\u4ee5\u53ca\u4f0a\u65af\u5170\u6cd5\u5b66\u7814\u7a76\u751f\u6587\u51ed\uff0c\u5e76\u6301\u6709\u9a6c\u6765\u897f\u4e9a\u4f0a\u65af\u5170\u91d1\u878d\u4e13\u4e1a\u4eba\u58eb\u534f\u4f1a\uff08INCEIF\uff09\u9881\u53d1\u7684\u7279\u8bb8\u4f0a\u65af\u5170\u91d1\u878d\u4e13\u4e1a\u4eba\u58eb\uff08CIFP\uff09\u8d44\u683c\u8bc1\u4e66\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n                    <div class=\"team-category-section\">\n                <h2 class=\"team-category-title heading\">\u7814\u7a76\u56e2\u961f<\/h2>\n                <div class=\"team-grid\">\n                                                <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-574\" href=\"#team-%e7%a9%86%e5%a4%ab%e6%8f%90%c2%b7%e6%b3%95%e4%bc%8a%e8%b5%9e%c2%b7%e4%b9%8c%e9%a9%ac%e5%b0%94\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/Mufti-Faizan-Umar-1.webp\" alt=\"\u7a46\u592b\u63d0\u00b7\u6cd5\u4f0a\u8d5e\u00b7\u4e4c\u9a6c\u5c14\">\n                                                                        <h3 class=\"sub-heading\">\u7a46\u592b\u63d0\u00b7\u6cd5\u4f0a\u8d5e\u00b7\u4e4c\u9a6c\u5c14<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-574\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/Mufti-Faizan-Umar-1.webp\" alt=\"\u7a46\u592b\u63d0\u00b7\u6cd5\u4f0a\u8d5e\u00b7\u4e4c\u9a6c\u5c14\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u7a46\u592b\u63d0\u00b7\u6cd5\u4f0a\u8d5e\u00b7\u4e4c\u9a6c\u5c14<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u7a46\u592b\u63d0\u00b7\u6cd5\u4f0a\u8d5e\u00b7\u4e4c\u9a6c\u5c14 (Mufti Faizan Umar) \u73b0\u4efb Ehsan Shariah Advisors and Consultants Pvt. Ltd. (ESAAC) \u7684\u52a9\u7406\u7ecf\u7406\uff0c\u62e5\u6709\u8d85\u8fc7 9 \u5e74\u7684\u4f0a\u65af\u5170\u91d1\u878d\u4e13\u4e1a\u7ecf\u9a8c\uff0c\u5176\u4e2d\u8fd1\u5341\u5e74\u4e13\u6ce8\u4e8e\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u3001\u4ea7\u54c1\u5f00\u53d1\u548c\u4f0a\u65af\u5170\u91d1\u878d\u7ed3\u6784\u8bbe\u8ba1\u3002\u4ed6\u62e5\u6709\u624e\u5b9e\u7684\u4f0a\u65af\u5170\u7814\u7a76\u3001\u4f0a\u65af\u5170\u91d1\u878d\u548c\u963f\u62c9\u4f2f\u8bed\u5b66\u672f\u57fa\u7840\uff0c\u5e76\u63a5\u53d7\u8fc7\u4f0a\u65af\u5170\u503a\u5238 (Sukuk)\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u6cbb\u7406\u548c\u76d1\u7ba1\u6846\u67b6\u65b9\u9762\u7684\u4e13\u4e1a\u57f9\u8bad\uff0c\u4e3a\u4e1a\u754c\u5e26\u6765\u4e86\u6df1\u539a\u7684\u5b66\u672f\u5e95\u8574\u548c\u4e30\u5bcc\u7684\u5b9e\u8df5\u7ecf\u9a8c\u3002<\/p>\n<p>\u4ed6\u7684\u7814\u7a76\u5174\u8da3\u5305\u62ec\u5408\u4f19\u5236 (Musharakah)\u3001\u7a46\u8fbe\u62c9\u5df4 (Mudarabah)\u3001\u4f0a\u65af\u5170\u8d44\u672c\u5e02\u573a\u548c\u4f0a\u65af\u5170\u503a\u5238\u7ed3\u6784\u8bbe\u8ba1\uff0c\u5c24\u5176\u81f4\u529b\u4e8e\u5f00\u53d1\u4f0a\u65af\u5170\u91d1\u878d\u7684\u6570\u5b66\u6a21\u578b\u3002\u6b64\u5916\uff0c\u4ed6\u8fd8\u901a\u8fc7\u54a8\u8be2\u3001\u57f9\u8bad\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u5ba1\u67e5\u7b49\u65b9\u5f0f\uff0c\u4e3a\u4f0a\u65af\u5170\u94f6\u884c\u673a\u6784 (IBI)\u3001\u975e\u94f6\u884c\u91d1\u878d\u516c\u53f8 (NBFC) \u548c\u4f0a\u65af\u5170\u4fdd\u9669 (Takaful) \u8fd0\u8425\u5546\u7684\u80fd\u529b\u5efa\u8bbe\u505a\u51fa\u4e86\u8d21\u732e\u3002<\/p>\n<p>\u6cd5\u4f0a\u8d5e\u662f\u5df4\u57fa\u65af\u5766\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a\uff08SECP\uff09\u6ce8\u518c\u7684\u4f0a\u65af\u5170\u6559\u6cd5\u987e\u95ee\uff0c\u79ef\u6781\u81f4\u529b\u4e8e\u5f25\u5408\u4f0a\u65af\u5170\u6cd5\u7406\u5b66\u7406\u8bba\u4e0e\u91d1\u878d\u9886\u57df\u5b9e\u9645\u5e94\u7528\u4e4b\u95f4\u7684\u5dee\u8ddd\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-558\" href=\"#team-%e7%a9%86%e7%bd%95%e9%bb%98%e5%be%b7%c2%b7%e8%89%be%e5%93%88%e8%bf%88%e5%be%b7%c2%b7%e6%b1%97\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/Ahmed-Khan.webp\" alt=\"\u7a46\u7f55\u9ed8\u5fb7\u00b7\u827e\u54c8\u8fc8\u5fb7\u00b7\u6c57\">\n                                                                        <h3 class=\"sub-heading\">\u7a46\u7f55\u9ed8\u5fb7\u00b7\u827e\u54c8\u8fc8\u5fb7\u00b7\u6c57<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-558\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/Ahmed-Khan.webp\" alt=\"\u7a46\u7f55\u9ed8\u5fb7\u00b7\u827e\u54c8\u8fc8\u5fb7\u00b7\u6c57\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u7a46\u7f55\u9ed8\u5fb7\u00b7\u827e\u54c8\u8fc8\u5fb7\u00b7\u6c57<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u7a46\u7f55\u9ed8\u5fb7\u00b7\u827e\u54c8\u8fc8\u5fb7\u00b7\u6c57\u535a\u58eb\u662f\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u91d1\u878d\u9886\u57df\u7684\u8d44\u6df1\u4e13\u5bb6\uff0c\u62e5\u6709\u6df1\u539a\u7684\u4f0a\u65af\u5170\u79d1\u5b66\u548c\u5546\u6cd5\u57fa\u7840\u3002\u4ed6\u517c\u5177\u5353\u8d8a\u7684\u5b66\u672f\u6210\u5c31\u548c\u4e30\u5bcc\u7684\u884c\u4e1a\u5b9e\u8df5\u7ecf\u9a8c\uff0c\u4e13\u957f\u4e8e\u4f0a\u65af\u5170\u6559\u6cd5\u54a8\u8be2\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u4ee5\u53ca\u4f0a\u65af\u5170\u91d1\u878d\u4ea7\u54c1\u67b6\u6784\u8bbe\u8ba1\u3002<\/p>\n<p>\u4ed6\u7684\u4e13\u957f\u6db5\u76d6\u4f0a\u65af\u5170\u79d1\u5b66\u7684\u6559\u5b66\u3001\u6559\u6cd5\u5224\u4f8b\u64b0\u5199\u548c\u9ad8\u7ea7\u7814\u7a76\uff0c\u4ee5\u53ca\u6307\u5bfc\u91d1\u878d\u673a\u6784\u8fd0\u7528\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u6846\u67b6\u5f00\u5c55\u5b9e\u8df5\u3002\u4ed6\u4e3a\u4f20\u7edf\u94f6\u884c\u4e1a\u52a1\u5411\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u6a21\u5f0f\u7684\u8f6c\u578b\u3001\u4ea7\u54c1\u521b\u65b0\u3001\u57f9\u8bad\u548c\u80fd\u529b\u5efa\u8bbe\u7b49\u4e3e\u63aa\u505a\u51fa\u4e86\u5353\u8d8a\u8d21\u732e\u3002<\/p>\n<p>\u4ed6\u62e5\u6709\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u91d1\u878d\u535a\u58eb\u5b66\u4f4d\uff0c\u4ee5\u53ca\u591a\u9879\u6770\u51fa\u8d44\u8d28\uff0c\u5305\u62ec\u6c99\u54c8\u8fbe\u7279\u00b7\u963f\u5229\u7c73\u4e9a\uff08\u76f8\u5f53\u4e8e\u4f0a\u65af\u5170\u7814\u7a76\/\u963f\u62c9\u4f2f\u8bed\u7855\u58eb\u5b66\u4f4d\uff09\u3001\u4f0a\u65af\u5170\u5546\u6cd5\u4e13\u4e1a\u8d44\u683c\u3001\u6ce8\u518c\u4f0a\u65af\u5170\u6559\u6cd5\u987e\u95ee\u548c\u5ba1\u8ba1\u5e08\uff08CSAA\uff09\u8d44\u683c\u4ee5\u53ca\u7ecf\u6d4e\u5b66\u7855\u58eb\u5b66\u4f4d\u3002\u8fd9\u79cd\u5b66\u672f\u548c\u4e13\u4e1a\u7684\u5b8c\u7f8e\u7ed3\u5408\uff0c\u4f7f\u4ed6\u6210\u4e3a\u4f0a\u65af\u5170\u91d1\u878d\u7406\u8bba\u548c\u5e94\u7528\u9886\u57df\u7684\u6743\u5a01\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-556\" href=\"#team-%e7%ba%b3%e8%bf%aa%e5%b0%94%e6%b1%97\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/Nadir-Bhai.webp\" alt=\"\u7eb3\u8fea\u5c14\u6c57\">\n                                                                        <h3 class=\"sub-heading\">\u7eb3\u8fea\u5c14\u6c57<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-556\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/Nadir-Bhai.webp\" alt=\"\u7eb3\u8fea\u5c14\u6c57\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u7eb3\u8fea\u5c14\u6c57<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u7eb3\u8fea\u5c14\u00b7\u6c57\u662f\u4e00\u4f4d\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4f0a\u65af\u5170\u94f6\u884c\u548c\u91d1\u878d\u4e13\u5bb6\uff0c\u62e5\u6709\u624e\u5b9e\u7684\u4f0a\u65af\u5170\u6cd5\u7406\u5b66\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u54a8\u8be2\u57fa\u7840\u3002\u4ed6\u5728\u4e1a\u5185\u62e5\u6709\u5341\u4f59\u5e74\u7684\u7ecf\u9a8c\uff0c\u79ef\u6781\u53c2\u4e0e\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u3001\u54a8\u8be2\u3001\u4ea7\u54c1\u7ed3\u6784\u8bbe\u8ba1\u548c\u6559\u4ee4\u64b0\u5199\u7b49\u5de5\u4f5c\u3002\u4ed6\u7684\u5b66\u672f\u548c\u804c\u4e1a\u7ecf\u5386\u878d\u5408\u4e86\u4f20\u7edf\u7684\u4f0a\u65af\u5170\u5b66\u672f\uff08\u963f\u8a07\u548c\u7a46\u592b\u63d0\uff09\u548c\u73b0\u4ee3\u6559\u80b2\uff0c\u62e5\u6709\u5df4\u8d6b\u91cc\u4e9a\u5927\u5b66\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u91d1\u878d\u7855\u58eb\u5b66\u4f4d\uff0c\u76ee\u524d\u6b63\u5728\u653b\u8bfb\u535a\u58eb\u5b66\u4f4d\u3002<\/p>\n<p>\u4ed6\u5c24\u5176\u64c5\u957f\u5f25\u5408\u4f20\u7edf\u4f0a\u65af\u5170\u6559\u6cd5\u5224\u4f8b\u4e0e\u73b0\u4ee3\u91d1\u878d\u5b9e\u8df5\u4e4b\u95f4\u7684\u9e3f\u6c9f\uff0c\u786e\u4fdd\u4e3a\u590d\u6742\u7684\u91d1\u878d\u4ea4\u6613\u63d0\u4f9b\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u89e3\u51b3\u65b9\u6848\u3002\u9664\u4e86\u62c5\u4efb\u54a8\u8be2\u987e\u95ee\u5916\uff0c\u4ed6\u8fd8\u81f4\u529b\u4e8e\u94f6\u884c\u4e1a\u4e13\u4e1a\u4eba\u5458\u7684\u57f9\u8bad\u548c\u80fd\u529b\u5efa\u8bbe\uff0c\u52a0\u5f3a\u4e86\u6574\u4e2a\u884c\u4e1a\u5bf9\u4f0a\u65af\u5170\u6559\u6cd5\u539f\u5219\u7684\u77e5\u8bc6\u50a8\u5907\u548c\u5e94\u7528\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-555\" href=\"#team-%e8%90%a8%e7%b1%b3%c2%b7%e4%b9%8c%e6%8b%89\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team.jpeg\" alt=\"\u8428\u7c73\u00b7\u4e4c\u62c9\">\n                                                                        <h3 class=\"sub-heading\">\u8428\u7c73\u00b7\u4e4c\u62c9<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-555\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team.jpeg\" alt=\"\u8428\u7c73\u00b7\u4e4c\u62c9\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u8428\u7c73\u00b7\u4e4c\u62c9<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]\u8428\u7c73\u00b7\u4e4c\u62c9\u662f\u4e00\u4f4d\u6770\u51fa\u7684\u4f0a\u65af\u5170\u94f6\u884c\u548c\u91d1\u878d\u4e13\u5bb6\uff0c\u5728\u4f0a\u65af\u5170\u6559\u6cd5\u54a8\u8be2\u3001\u5408\u89c4\u3001\u7814\u7a76\u548c\u6559\u5b66\u65b9\u9762\u62e5\u6709\u5341\u4f59\u5e74\u7684\u4e30\u5bcc\u7ecf\u9a8c\u3002\u4ed6\u62e5\u6709\u624e\u5b9e\u7684\u4f0a\u65af\u5170\u79d1\u5b66\u548c\u5546\u6cd5\u57fa\u7840\uff0c\u5b8c\u6210\u4e86\u6c99\u54c8\u8fbe\u7279\u00b7\u4e4c\u5c14\u00b7\u963f\u7c73\u4e9a\uff08Shahadat-ul-Alamiyyah\uff09\u3001\u5854\u54c8\u82cf\u65af\u00b7\u83f2\u5c14\u00b7\u83f2\u514b\u8d6b\u00b7\u7a46\u963f\u9a6c\u62c9\u7279\uff08Takhasus fil Fiqh al-Muamalat\uff0c\u94f6\u724c\u83b7\u5f97\u8005\uff09\u3001\u4f0a\u65af\u5170\u94f6\u884c\u4e0e\u91d1\u878d\u7855\u58eb\u5b66\u4f4d\uff08\u5361\u62c9\u5947\u5de5\u5546\u7ba1\u7406\u5b66\u9662\uff09\u3001\u5de5\u5546\u7ba1\u7406\u7855\u58eb\u5b66\u4f4d\uff08\u5361\u62c9\u5947\u5927\u5b66\uff09\uff0c\u4ee5\u53ca\u5176\u4ed6\u591a\u9879\u4f0a\u65af\u5170\u548c\u4f20\u7edf\u91d1\u878d\u9886\u57df\u7684\u9ad8\u7ea7\u8d44\u683c\u8ba4\u8bc1\u3002<\/p>\n<p>\u4ed6\u7684\u4e13\u957f\u6db5\u76d6\u6559\u6cd5\u5224\u4f8b\u64b0\u5199\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u6cbb\u7406\u3001\u4f0a\u65af\u5170\u4ea7\u54c1\u7ed3\u6784\u8bbe\u8ba1\u548c\u8d44\u91d1\u6c60\u7ba1\u7406\uff0c\u5e76\u5728\u56fd\u5185\u5916\u77e5\u540d\u671f\u520a\u4e0a\u53d1\u8868\u4e86\u5927\u91cf\u7814\u7a76\u6210\u679c\u3002\u4ed6\u53d1\u5e03\u548c\u5ba1\u67e5\u4e86\u4f17\u591a\u5173\u4e8e\u7a46\u963f\u9a6c\u62c9\u7279\uff08\u8d38\u6613\u3001\u91d1\u878d\u548c\u4f0a\u65af\u5170\u94f6\u884c\u4e1a\u52a1\uff09\u7684\u6559\u6cd5\u5224\u4f8b\uff0c\u5e76\u79ef\u6781\u53c2\u4e0e\u7814\u7a76\uff0c\u63a2\u8ba8\u4f0a\u65af\u5170\u94f6\u884c\u4e1a\u52a1\u4e2d\u7684\u5b9e\u9645\u6311\u6218\uff0c\u4f8b\u5982\u5229\u6da6\u5206\u914d\u673a\u5236\u3001\u79df\u8d41\u4ee5\u53ca\u53e4\u5178\u6559\u6cd5\u539f\u5219\u5728\u73b0\u4ee3\u94f6\u884c\u4e1a\u52a1\u4e2d\u7684\u5e94\u7528\u3002<\/p>\n<p>\u8428\u7c73\u00b7\u4e4c\u62c9\u4e5f\u5df2\u786e\u7acb\u4e86\u81ea\u5df1\u4f5c\u4e3a\u57f9\u8bad\u5e08\u548c\u80fd\u529b\u5efa\u8bbe\u8005\u7684\u5730\u4f4d\uff0c\u4ed6\u4e3a\u94f6\u884c\u4ece\u4e1a\u4eba\u5458\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u5b66\u8005\u548c\u7814\u7a76\u751f\u63d0\u4f9b\u5173\u4e8e\u4f0a\u65af\u5170\u91d1\u878d\u5404\u4e2a\u4e3b\u9898\u7684\u4e13\u4e1a\u7814\u8ba8\u4f1a\u3001\u8bb2\u5ea7\u548c\u57f9\u8bad\u8bfe\u7a0b\uff0c\u5305\u62ec\u4f0a\u65af\u5170\u56fd\u5e93\u8fd0\u4f5c\u3001\u4f0a\u65af\u5170\u503a\u5238\uff08Sukuk\uff09\u3001\u4f0a\u65af\u5170\u4fdd\u9669\uff08Takaful\uff09\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u5ba1\u8ba1\u548c\u5408\u89c4\u7b49\u3002\u4ed6\u5bf9\u53e4\u5178\u4f0a\u65af\u5170\u6cd5\u7406\u5b66\u548c\u73b0\u4ee3\u91d1\u878d\u4f53\u7cfb\u7684\u53cc\u91cd\u7cbe\u901a\uff0c\u4f7f\u4ed6\u6210\u4e3a\u8fde\u63a5\u4f0a\u65af\u5170\u6559\u6cd5\u5b66\u672f\u754c\u548c\u91d1\u878d\u884c\u4e1a\u7684\u72ec\u7279\u6865\u6881\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                    <div class=\"team-item\">\n                                <a data-fancybox data-src=\"#team-552\" href=\"#team-%e7%a9%86%e7%bd%95%e9%bb%98%e5%be%b7%c2%b7%e4%b9%8c%e9%a9%ac%e5%b0%94\">\n                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/Muhammad-Umar-scaled.webp\" alt=\"\u7a46\u7f55\u9ed8\u5fb7\u00b7\u4e4c\u9a6c\u5c14\">\n                                                                        <h3 class=\"sub-heading\">\u7a46\u7f55\u9ed8\u5fb7\u00b7\u4e4c\u9a6c\u5c14<\/h3>\n                                <\/a>\n\n                                <!-- Fancybox popup -->\n                                <div id=\"team-552\" style=\"display:none;\">\n                                    <div class=\"team-popup\">\n                                        <div class=\"team-image\">\n                                                                                            <img decoding=\"async\" src=\"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/11\/Muhammad-Umar-scaled.webp\" alt=\"\u7a46\u7f55\u9ed8\u5fb7\u00b7\u4e4c\u9a6c\u5c14\">\n                                                                                    <\/div>\n                                        <div class=\"team-txt\">\n                                            <h2 class=\"sub-heading\">\u7a46\u7f55\u9ed8\u5fb7\u00b7\u4e4c\u9a6c\u5c14<\/h2>\n                                            <div class=\"team-content\">\n                                                <div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;\u4f01\u4e1a\u57f9\u8bad\u5e08&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;&#8221; el_class=&#8221;sub-heading&#8221;][vc_column_text css=&#8221;.vc_custom_1768636945413{margin-bottom: 1rem !important;}&#8221;]\u7a46\u7f55\u9ed8\u5fb7\u00b7\u4e4c\u9a6c\u5c14 (Muhammad Umar) \u73b0\u4efb Ehsan Shariah Advisors and Consultants Pvt. Ltd. (ESAAC) \u7684\u4f0a\u65af\u5170\u6559\u6cd5\u7814\u7a76\u5458\uff0c\u62e5\u6709\u4e09\u5e74\u4ee5\u4e0a\u4f0a\u65af\u5170\u91d1\u878d\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u54a8\u8be2\u670d\u52a1\u65b9\u9762\u7684\u4e13\u4e1a\u7ecf\u9a8c\u3002\u4ed6\u62e5\u6709\u624e\u5b9e\u7684\u5b66\u672f\u80cc\u666f\uff0c\u5305\u62ec Dars-e-Nizami\uff08\u963f\u8a07\u8bfe\u7a0b\uff09\u3001\u4f0a\u65af\u5170\u5546\u6cd5\u4e13\u4e1a\uff08\u7a46\u592b\u63d0\u8bfe\u7a0b\uff09\u548c\u5de5\u5546\u7ba1\u7406\u5b66\u58eb\u5b66\u4f4d\uff0c\u5e76\u6301\u6709 NIBAF-SBP \u548c IBA-CEIF\/SECP \u9881\u53d1\u7684\u4f0a\u65af\u5170\u94f6\u884c\u8fd0\u8425\u3001\u4f0a\u65af\u5170\u91d1\u878d\uff08\u9762\u5411\u4e4c\u62c9\u739b\uff09\u548c\u4f0a\u65af\u5170\u8d44\u672c\u5e02\u573a\u65b9\u9762\u7684\u8ba4\u8bc1\u3002<\/p>\n<p>\u4ed6\u7684\u6838\u5fc3\u4e13\u957f\u5305\u62ec\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u4e0e\u5ba1\u8ba1\u3001\u4ea7\u54c1\u5f00\u53d1\u4e0e\u7ed3\u6784\u8bbe\u8ba1\u3001\u4f0a\u65af\u5170\u503a\u5238 (Sukuk) \u7ed3\u6784\u8bbe\u8ba1\u3001\u4f20\u7edf\u94f6\u884c\u5411\u4f0a\u65af\u5170\u94f6\u884c\u6a21\u5f0f\u7684\u8f6c\u578b\uff0c\u4ee5\u53ca\u5bf9\u4f0a\u65af\u5170\u94f6\u884c (IBI)\u3001\u975e\u94f6\u884c\u91d1\u878d\u516c\u53f8 (NBFC) \u548c\u4f0a\u65af\u5170\u4fdd\u9669\u516c\u53f8 (Takaful) \u7684\u4f0a\u65af\u5170\u6559\u6cd5\u5ba1\u67e5\u3002\u4ed6\u8fd8\u53c2\u4e0e\u4e86\u7b26\u5408 SBP \u548c SECP \u6cd5\u89c4\u4ee5\u53ca AAOIFI \u4f0a\u65af\u5170\u6559\u6cd5\u6807\u51c6\u7684\u653f\u7b56\u548c\u76d1\u7ba1\u6846\u67b6\u7684\u5ba1\u67e5\u5de5\u4f5c\u3002\u7a46\u7f55\u9ed8\u5fb7\u00b7\u4e4c\u9a6c\u5c14\u6709\u6548\u5730\u5c06\u53e4\u5178\u4f0a\u65af\u5170\u6cd5\u7406\u5b66\u4e0e\u73b0\u4ee3\u91d1\u878d\u5b9e\u8df5\u76f8\u7ed3\u5408\uff0c\u4f7f\u5176\u6210\u4e3a\u4f0a\u65af\u5170\u6559\u6cd5\u54a8\u8be2\u3001\u987e\u95ee\u548c\u4f0a\u65af\u5170\u91d1\u878d\u7ed3\u6784\u8bbe\u8ba1\u9879\u76ee\u4e2d\u7684\u5b9d\u8d35\u8d21\u732e\u8005\u3002<\/p>\n<p><b>\u4e13\u4e1a\u53ca\u884c\u4e1a\u7ecf\u9a8c\uff1a<\/b><\/p>\n<p>\u7a46\u7f55\u9ed8\u5fb7\u00b7\u4e4c\u9a6c\u5c14\u5728\u4f0a\u65af\u5170\u91d1\u878d\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u54a8\u8be2\u9886\u57df\u62e5\u6709\u4e09\u5e74\u4ee5\u4e0a\u7684\u4e13\u4e1a\u7ecf\u9a8c\uff0c\u5c06\u53e4\u5178\u4f0a\u65af\u5170\u5b66\u672f\u4e0e\u73b0\u4ee3\u91d1\u878d\u4e13\u4e1a\u77e5\u8bc6\u76f8\u7ed3\u5408\u3002\u4f5c\u4e3aESAAC\uff08\u79c1\u4eba\u6709\u9650\u516c\u53f8\uff09\u7684\u4f0a\u65af\u5170\u6559\u6cd5\u7814\u7a76\u5458\uff0c\u4ed6\u53c2\u4e0e\u4e86\u94f6\u884c\u3001\u8d44\u672c\u5e02\u573a\u3001\u975e\u94f6\u884c\u91d1\u878d\u516c\u53f8\u548c\u4f0a\u65af\u5170\u4fdd\u9669\u7b49\u591a\u4e2a\u9886\u57df\u7684\u9879\u76ee\u3002\u4ed6\u7684\u7ecf\u9a8c\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u76d1\u7ba1\u4e0e\u653f\u7b56\u6846\u67b6\uff1a\u6839\u636e\u5df4\u57fa\u65af\u5766\u56fd\u5bb6\u94f6\u884c (SBP)\u3001\u5df4\u57fa\u65af\u5766\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a (SECP) \u548c\u4f0a\u65af\u5170\u91d1\u878d\u5ba1\u8ba1\u7ec4\u7ec7 (AAOIFI) \u7684\u6807\u51c6\uff0c\u5ba1\u67e5\u5e76\u53c2\u4e0e\u5236\u5b9a\u91d1\u878d\u673a\u6784\u7684\u76d1\u7ba1\u6846\u67b6\u3001\u653f\u7b56\u3001\u7a0b\u5e8f\u548c\u64cd\u4f5c\u624b\u518c\u3002<\/li>\n<li>\u4f0a\u65af\u5170\u503a\u5238\u7ed3\u6784\u8bbe\u8ba1\uff1a\u8bbe\u8ba1\u4e0d\u540c\u7c7b\u578b\u7684\u4f0a\u65af\u5170\u503a\u5238\uff0c\u4ee5\u6ee1\u8db3\u4e0d\u540c\u7684\u91d1\u878d\u9700\u6c42\u548c\u6295\u8d44\u8005\u8981\u6c42\u3002<\/li>\n<li>\u4ea7\u54c1\u5f00\u53d1\u4e0e\u7ed3\u6784\u8bbe\u8ba1\uff1a\u4e3a\u94f6\u884c\u3001\u975e\u94f6\u884c\u91d1\u878d\u516c\u53f8 (NBFC) \u548c\u4f01\u4e1a\u5ba2\u6237\u8bbe\u8ba1\u548c\u6784\u5efa\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u7684\u91d1\u878d\u4ea7\u54c1\uff0c\u6ee1\u8db3\u96f6\u552e\u548c\u673a\u6784\u7684\u91d1\u878d\u9700\u6c42\u3002<\/li>\n<li>\u4f0a\u65af\u5170\u6559\u6cd5\u5ba1\u8ba1\u4e0e\u5408\u89c4\uff1a\u5bf9\u94f6\u884c\u3001\u5171\u540c\u57fa\u91d1\u3001\u975e\u94f6\u884c\u91d1\u878d\u516c\u53f8\u548c\u4f0a\u65af\u5170\u4fdd\u9669\u516c\u53f8\u8fdb\u884c\u4f0a\u65af\u5170\u6559\u6cd5\u5ba1\u8ba1\u548c\u5ba1\u67e5\uff0c\u4ee5\u786e\u4fdd\u5176\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u539f\u5219\u3002<\/li>\n<li>\u94f6\u884c\u8f6c\u578b\u9879\u76ee\uff1a\u79ef\u6781\u53c2\u4e0e\u5ba1\u67e5\u548c\u5236\u5b9a\u5c06\u4f20\u7edf\u94f6\u884c\u4f53\u7cfb\u8f6c\u578b\u4e3a\u6210\u719f\u7684\u4f0a\u65af\u5170\u94f6\u884c\u4f53\u7cfb\u7684\u8def\u7ebf\u56fe\uff0c\u786e\u4fdd\u5176\u7b26\u5408\u4f0a\u65af\u5170\u6559\u6cd5\u539f\u5219\u548c\u76d1\u7ba1\u8981\u6c42\u3002<\/li>\n<li>\u653f\u7b56\u4e0e\u5408\u89c4\uff1a\u624b\u518c\u5236\u5b9a\uff1a\u4e3a\u5e03\u62c9\u514b\u94f6\u884c\uff08KT\u94f6\u884c\uff09\u7684\u653f\u7b56\u3001\u7a0b\u5e8f\u548c\u624b\u518c\u7684\u5236\u5b9a\u63d0\u4f9b\u5ba1\u67e5\u548c\u610f\u89c1\uff0c\u4e3a\u8fd0\u8425\u3001\u4ea7\u54c1\u548c\u5408\u89c4\u6846\u67b6\u63d0\u4f9b\u5173\u952e\u7684\u4f0a\u65af\u5170\u6559\u6cd5\u610f\u89c1\u3002<\/li>\n<li>\u7814\u7a76\uff1a\u79ef\u6781\u53c2\u4e0e\u7814\u7a76\u9879\u76ee\uff0c\u4f8b\u5982\u7559\u5b58\u6536\u76ca\u51c0\u5316\uff08\u5df4\u57fa\u65af\u5766\u56fd\u5bb6\u94f6\u884c\u7684\u9879\u76ee\uff09\uff0c\u65e8\u5728\u4e3a\u5bfb\u6c42\u8f6c\u578b\u4e3a\u4f0a\u65af\u5170\u94f6\u884c\u7684\u4f20\u7edf\u94f6\u884c\u5236\u5b9a\u8def\u7ebf\u56fe\u3002<\/li>\n<\/ul>\n<p>\u7a46\u7f55\u9ed8\u5fb7\u00b7\u4e4c\u9a6c\u5c14\u51ed\u501f\u5176\u5728\u5404\u7c7b\u9879\u76ee\u4e2d\u7684\u5e7f\u6cdb\u7ecf\u9a8c\uff0c\u5728\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u548c\u5ba1\u8ba1\u3001\u4f0a\u65af\u5170\u91d1\u878d\u4ea7\u54c1\u7684\u5f00\u53d1\u548c\u521b\u65b0\u4ee5\u53ca\u4f0a\u65af\u5170\u503a\u5238\u548c\u5176\u4ed6\u8d44\u672c\u5e02\u573a\u5de5\u5177\u7684\u7ed3\u6784\u8bbe\u8ba1\u65b9\u9762\u79ef\u7d2f\u4e86\u6df1\u539a\u7684\u4e13\u4e1a\u77e5\u8bc6\u3002\u4ed6\u8fd8\u79ef\u6781\u53c2\u4e0e\u4e3a\u4ece\u4f20\u7edf\u94f6\u884c\u6a21\u5f0f\u8f6c\u578b\u4e3a\u4f0a\u65af\u5170\u94f6\u884c\u6a21\u5f0f\u7684\u94f6\u884c\u8bbe\u8ba1\u8f6c\u578b\u7b56\u7565\uff0c\u5e76\u6839\u636e\u5df4\u57fa\u65af\u5766\u56fd\u5bb6\u94f6\u884c\u3001\u5df4\u57fa\u65af\u5766\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a\u548c\u4f0a\u65af\u5170\u91d1\u878d\u5ba1\u8ba1\u7ec4\u7ec7\uff08AAOIFI\uff09\u7684\u6807\u51c6\uff0c\u4e3a\u653f\u7b56\u548c\u76d1\u7ba1\u6846\u67b6\u7684\u5ba1\u67e5\u505a\u51fa\u8d21\u732e\u3002\u8fd9\u79cd\u5b9e\u8df5\u7ecf\u9a8c\u4e0e\u5b66\u672f\u57fa\u7840\u7684\u7ed3\u5408\uff0c\u4f7f\u4ed6\u6210\u4e3a\u4f0a\u65af\u5170\u91d1\u878d\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u54a8\u8be2\u9886\u57df\u5b9d\u8d35\u7684\u4e13\u4e1a\u4eba\u58eb\u3002[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>                                            <\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                        <\/div>\n            <\/div>\n        [\/vc_column_text][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_section el_class=&#8221;mb&#8221;][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]ESAAC\u6c47\u805a\u4e86\u4e00\u652f\u5145\u6ee1\u6d3b\u529b\u7684\u56e2\u961f\uff0c\u6210\u5458\u5305\u62ec\u94f6\u884c\u5bb6\u3001\u76d1\u7ba1\u4eba\u5458\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u987e\u95ee\u3001\u4f1a\u8ba1\u5e08\u3001\u7ecf\u6d4e\u5b66\u5bb6\u548c\u54a8\u8be2\u5e08\uff0c\u4ed6\u4eec\u5728\u4f0a\u65af\u5170\u94f6\u884c\u3001\u4f0a\u65af\u5170\u6559\u6cd5\u6cbb\u7406\u3001\u7ba1\u7406\u54a8\u8be2\u548c\u4f0a\u65af\u5170\u6559\u6cd5\u5ba1\u8ba1\u65b9\u9762\u62e5\u6709\u4e30\u5bcc\u7684\u7ecf\u9a8c\u3002\u79c9\u6301\u201c\u4e00\u4e2a\u56e2\u961f\u201d\u7684\u7406\u5ff5\uff0c\u6211\u4eec\u5404\u4e2a\u5c42\u7ea7\u2014\u2014\u4ece\u8463\u4e8b\u4f1a\u5230\u4e00\u7ebf\u5458\u5de5\u2014\u2014\u90fd\u80fd\u8f7b\u677e\u534f\u4f5c\uff0c\u4ece\u800c\u5efa\u7acb\u5408\u4f5c\u3001\u4fe1\u4efb\u548c\u5171\u540c\u76ee\u6807\u3002 \u6211\u4eec\u81f4\u529b\u4e8e\u4e3a\u5ba2\u6237\u5e26\u6765\u771f\u6b63\u7684\u6539\u53d8\uff0c\u5c06\u52a1\u5b9e\u884c\u52a8\u4e0e\u521b\u65b0\u6d3b\u529b\u76f8\u7ed3\u5408\uff0c\u786e\u4fdd\u53d8\u9769\u6301\u4e45\u6709\u6548\u3002\u901a\u8fc7\u5171\u540c\u521b\u9020\u89e3\u51b3\u65b9\u6848\u3001\u63d0\u5347\u5185\u90e8\u80fd\u529b\u4ee5\u53ca\u6253\u9020\u53ef\u590d\u5236\u7684\u6210\u679c\uff0c\u6211\u4eec\u9a71\u52a8\u957f\u671f\u4ef7\u503c\u548c\u53ef\u91cf\u5316\u7684\u5f71\u54cd\u3002[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row][vc_column][vc_column_text css=&#8221;&#8221;][\/vc_column_text][\/vc_column][\/vc_row][\/vc_section]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-311","page","type-page","status-publish","hentry"],"acf":{"photo_gallery":{"header_gallery":[[{"id":314,"title":"team2","caption":"","full_image_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team2.jpg","thumbnail_image_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team2.jpg","large_srcset":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team2.jpg 1200w, https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team2-768x256.jpg 768w","medium_srcset":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team2.jpg 1200w, https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team2-768x256.jpg 768w","media_details":{"width":1200,"height":400,"sizes":{"medium_large":{"file":"team2-768x256.jpg","width":768,"height":256,"mime-type":"image\/jpeg","filesize":38202,"source_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team2-768x256.jpg"}}},"alt_text":"","url":"","target":""},{"id":313,"title":"team1","caption":"","full_image_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team1.jpg","thumbnail_image_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team1.jpg","large_srcset":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team1.jpg 1200w, https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team1-768x256.jpg 768w","medium_srcset":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team1.jpg 1200w, https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team1-768x256.jpg 768w","media_details":{"width":1200,"height":400,"sizes":{"medium_large":{"file":"team1-768x256.jpg","width":768,"height":256,"mime-type":"image\/jpeg","filesize":25511,"source_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team1-768x256.jpg"}}},"alt_text":"","url":"","target":""},{"id":312,"title":"team4","caption":"","full_image_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team4.jpg","thumbnail_image_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team4.jpg","large_srcset":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team4.jpg 1200w, https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team4-768x256.jpg 768w","medium_srcset":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team4.jpg 1200w, https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team4-768x256.jpg 768w","media_details":{"width":1200,"height":400,"sizes":{"medium_large":{"file":"team4-768x256.jpg","width":768,"height":256,"mime-type":"image\/jpeg","filesize":40821,"source_url":"https:\/\/esaac.co\/chinese\/wp-content\/uploads\/2025\/10\/team4-768x256.jpg"}}},"alt_text":"","url":"","target":""}]]}},"_links":{"self":[{"href":"https:\/\/esaac.co\/chinese\/wp-json\/wp\/v2\/pages\/311","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/esaac.co\/chinese\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/esaac.co\/chinese\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/esaac.co\/chinese\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/esaac.co\/chinese\/wp-json\/wp\/v2\/comments?post=311"}],"version-history":[{"count":15,"href":"https:\/\/esaac.co\/chinese\/wp-json\/wp\/v2\/pages\/311\/revisions"}],"predecessor-version":[{"id":682,"href":"https:\/\/esaac.co\/chinese\/wp-json\/wp\/v2\/pages\/311\/revisions\/682"}],"wp:attachment":[{"href":"https:\/\/esaac.co\/chinese\/wp-json\/wp\/v2\/media?parent=311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}