通过研究分析伊斯兰金融发展的法律基础和关系,寻求宁夏发展伊斯兰金融瓶颈的解决办法,经过研究发现,伊斯兰金融机构业务职能超越了商业银行的基本职能,伊斯兰金融的经营模式已超越了我国现行法律框架。应及时立法,为宁夏伊斯兰金融发展指明方向、规范伊斯兰金融运作、保障银行、储户及客户的合法权益,建立健全伊斯兰金融发展的法律框架。 Through researching and analyzing the legal basis and relationship of the development of Islamic finance, I seek the solution of developing the bottleneck of Islamic finance in Ningxia. After research, we find that the business function of Islamic financial institutions goes beyond the basic functions of commercial banks. The operating mode of Islamic finance has surpassed the current law of our country frame. Legislation should be formulated in time to point out the direction for the development of Islamic finance in Ningxia, standardize the operation of Islamic finance, safeguard the legitimate rights and interests of banks, depositors and customers, and establish and improve the legal framework for the development of Islamic finance.