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Зеленова, Марина Олександрівна; Національний авіаційний університет (2015)
Publisher: Національний Авиаційний Університет
Languages: Ukrainian
Types: Unknown
Subjects: кредит; споживчий кредит; іноземна валюта; національна валюта; фінансові послуги; кредитор; боржник, 347.4, кредит; потребительский кредит; иностранная валюта; национальная валюта; финансовые услуги; кредитор; должник, credit, consumer credit; foreign currency; national currency; financial services; creditor; debtor
У статті розглянуто проблемні питання, що виникли в Україні під час світової фінансової кризи та пов’язані з тим, що певна частина населення України одержала споживчі кредити не в національній валюті, а в іноземній. В результаті чого, через різке знецінення національної валюти, значна частина позичальників опинилася в скрутному фінансовому становищі. В статье рассмотрены проблемные вопросы, возникшие в Украине во время мирового финансового кризиса и связанные с тем, что определенная часть населения Украины получила потребительские кредиты не в национальной валюте, а в иностранной. В результате чего, из-за резкого обесценивания национальной валюты, значительная часть заемщиков оказалась в трудном финансовом положении. The article deals with the problematic issues that have arisen in our country during the global financial crisis and are related to the fact that a certain part of the population of Ukraine received consumer credits not in national currency but in foreign. As a result, the sharp depreciation of the national currency, a significant portion of borrowers found themselves in a difficult financial position. The causes of this situation are analyzed. In particular, the article focuses on the fact that though the state was barred from receiving consumer loans in foreign currency, however, this step was made with a considerable delay, when consumer credit in foreign currency received considerable spread in Ukraine. It was also found that the blame for the poor financial position in the market of financial services is not only on the state but also within financial institutions which contrary to the requirements of the current legislation have not been properly raising awareness among consumers of financial services, not properly explained to the citizens of all the risks that may arise in connection with the receipt of consumer loans in foreign currency. Analysis of judicial practice allows us to conclude that banks in the vast majority formally belonged to perform their duties when making consumer loans in foreign currency and are not provided or provided in fuzzy or not understandable form information on the risks facing consumers wishing to obtain consumer loans in foreign currency. The article also analyzes a separate legal position in litigation with the banks. The attention is focused on the fact that this legal position changes frequently, and sometimes remains unchanged despite the fact that they do not meet the requirements of current legislation. At the end of the article it is concluded that the protection of consumer rights in the field of lending in foreign currency affects not only the legal but also the financial and social factors that have no less and sometimes even more influence on the decision of this question.
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