To questions of classification of Islamic banking products

In article development of interest in Islamic banking as to most of the important tendencies of development of the financial economy is considered. The modern Islamic bank loans in the financial and credit activity on a certain set of the financial instruments formulated by Sharia. Islamic banks carry out practically all traditional bank operations. In the activity, they use various methods of financing, realize credit service of direct investments, carry out credit operations on the basis of leasing, rent and others worldwide. Islamic banks directly become large investors in national economies of the countries of the Muslim world. Besides, after assessment of the economic efficiency of activity of data of banks, the governments of many countries began to enter amendments to the existing legislation for the creation of more comfortable conditions for their activity. For a better understanding about Islamic banks, there is a need of consideration of their operations which in every respect carry interest–free (but doesn’t mean profitless or unprofitable) and not speculative — Islamic character. In an article on the basis of the deep and system analysis of set, financial instruments formulated by Sharia, the main norms of Islamic banks depending on their appeal to clients are described. Authors have made attempt to simulate several possible situations of the interaction of financial and credit institutes with the partners and the efficiency of investment of capital for each of the parties is calculated. By results of the conducted research, one may say, that, despite so small period of existence, Islamic banks could provide alternative traditional with the banking (financial and credit) services allowing to satisfy financial needs of each Muslim, regardless of the direction of financing, a form, a look and scales.