加纳在2025年前完成非利息银行框架的定稿,以便以合乎道德、有资产支持的金融手段促进金融包容性。 Ghana finalizes non-interest banking framework by 2025 to boost financial inclusion with ethical, asset-backed finance.

加纳银行正在最后确定一个无息银行框架,以促进金融包容性,同时保持世俗中立和市场公平。 The Bank of Ghana is finalizing a non-interest banking framework to boost financial inclusion while maintaining secular neutrality and market fairness. 预计到2025年底,该框架将对非利息机构适用审慎标准,有两种许可证类型:一种是传统银行通过专门窗口提供非利息产品,另一种是完全非利息银行。 Expected by year-end 2025, the framework will apply prudential standards to non-interest institutions, with two license types: one for conventional banks offering non-interest products via dedicated windows, and another for full non-interest banks. 分阶段推出最初将排除小额供资和农村银行,以确保稳定和能力建设。 A phased rollout will initially exclude microfinance and rural banks to ensure stability and capacity building. 中央银行正在与其他监管机构协调,以统一苏库克和塔卡富尔的规则,并计划于2025年12月1日举行能力建设活动。 The central bank is coordinating with other regulators to harmonize rules for Sukuk and Takaful, with a capacity-building event planned for December 1, 2025. 该倡议强调道德、资产支持型金融,并以成功的国际制度为榜样,旨在将加纳定位为包容性、非利息性银行业务的领导者。 The initiative emphasizes ethical, asset-backed finance and is modeled on successful international systems, aiming to position Ghana as a leader in inclusive, non-interest banking.