Фогельсон Ю.Б., Ефремова М.Д. Защита прав потребителей финансовых услуг

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,  ,   ,    

, " <1>. 

      ,     ,  

        

 ,  ,      

.

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<1>  .   

   : . . ... . . . .,

2005. . 12.

   ,      ,

    ,   

     <1>. ,

,       

    (   . )

    ,   

.

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<1> .:  .    

. ., 1996. . 147.

      ?  

,         

 ().

    ,   

      

. , 

:  -  -  - . ,

       

        

 . ,   

 ,       

.

 -  ", 

  " <1>,      

  .    

, .   ,   

. , "

 -  ,  

" <2>.  "", ,

.

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<1> :  4 . / . . . ., 1987. .

3. . 334.

<2>  .      

      : . . ...

. . . ., 2005. . 4.

,      

.  ,   

       XX .,    

     ,  

  -  "",  

. . , " XX . 

     

       

 " <1>.    ,   

    ,   

 <2>.

--------------------------------

<1>  .      

: : . . ... . . . .,

2009. . 8.

<2> .: Tong G. Chinese Consumer Protection Philosophy

// Journal of Consumer Policy. 1992. Vol. 14. P. 337 - 350; Verma D.P. S.

Developments in Consumer Protection in India // Journal of Consumer Policy. 2002.

Vol. 25. P. 107 - 123; Kishwar K., Sarwat A. Consumer Protection in Islam: The

Case of Pakistan // Australian Economic Papers. 2000. Vol. 39. No. 4. P. 483 - 503.

 ,        

   ,   

,  30-. XX . , 

        "

,       

" <1>. 



    ,      

 (       

). 

         ,

        

 <2>.

--------------------------------

<1> . . ., 2001. . 235.

<2> .:  .      :



(1917 - 1990 .) // . 2007. N 2. . 33 - 38.

    ,  

 

   .      

     

 .  ,    ,  

.

    ,  

,      

    XX .  , 

 : PRESSI ( HERSON )

 XIX .  "

" ("welfare state"),  "    

     ,  

 ,    

..." <1>.

--------------------------------

<1> Reich N. Diverse Approaches to Consumer Protection Philosophy // Journal

of Consumer Policy. 1992. Vol. 14. P. 260.

  ,     , 

    ,   

 ,    

" -      . 

       

 1960-. .  15 

1962 .,  <1>.

--------------------------------

<1>     :   

  ,   ,       

 ,   .    .:

Aldridge A. Consumption. Cambridge, 2003. P. 132 - 133.



        ,

  " ".  

, 



.

, , 

, 

  .   ,  

  . , " 

    ,   

 .    

     ...    

, 

  ,      

 " <1>.     

       

.

--------------------------------

<1>  .  . 

     . .,

1999. . 53 - 54.

2. 



  ,     "",  



.

 ,   1932  1991 . 

    . 8)    

 <1>.

     ,  , ",



      

..." <2>.

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<1> .:  ,    10  1932 . "

      " //  .

1932. N 74. . 331.

<2>  30  1992 . N 9-

// . 1993. N 11. . 400.

        

  ,    ""

 "", , 

 ":      

    , 

.     ,  

,

 

  -    .  , 

      

,  , . 

      .  ,

.  ,      

       .

   -       - 

      " " 

      ...

  ,  , ,  

..." <1>.

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<1>  .     :

. . ... . . , 2007. . 15.

       

   1980-.,     

        

      (1985 .) <1>. ,

   "      ",

  1988 .,     .    

    

 "",     

 -  <2>.

 : PRESSI ( HERSON )

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<1>  9  1985 . N 39/248

".

<2> .: . . ., 2006.

 1991 .       

,     "   " <1> 

      .    

   ", ,

,      

". . ,

, , ",

     "" <2>.

       ,   

, 

,     : 1)  

; 2) ,

  ,    ,

.

--------------------------------

<1>  22  1991 . N 2184-1 ""

// . 1991. N 24. . 689.

<2>  .      

      : . ... . . .

, 2006. . 15.

     

   7  1992 . N 2300-1 "   ",

 1992 . .

  ""     

 .  ,      

 . ,    . 1   "

,     ,

, ,     (

,  )...". ,   

: 1) ;

2) , .

        ""

      . ,  

 ,   ,  , 

, .

, , 

        

. , 

 -

.

 ""      

 "".      

 " -    

,     

 ". , , ,

 ,       

    .    

     ,  

" - .

§ 2.  "" 



1. 

   

  .     

, .  

 ( 17  1999 .)    ,

      ,

    (, ) 

 , ,    ,   

.

,  "",

  . 9    26  1996 . N 15- "

       

": "..., , , 

 (, ) 

".

 ,      

      .  

 ,    ""  

  (1996 .)   ,   

 .  , . 9    

       

        .

    . ,  "   

 ,    , 

   , ...  

,   " <1>. 

        

.

--------------------------------

<1>  .   ,  -

 // . 2008. N 6.

    ,  

 "":

-  -  - ;

-      ,  

  (, )   ,   

 : PRESSI ( HERSON )

      ("

");

-   -   , ,

, 

.

  ,    "" 

 , ""    .

,  ,   

 -    ,   

 ,  ,   

     .

.

2. 

 ""     ,

. 

   .    

,  - 

<1>.

--------------------------------

<1> .:  .    . ., 2004. . 175.

   ,     

 - . .: 

. :  2 . ., 1981. . 2. . 147 - 149.

, ,  - , .

  .   ,   

     

 , ,    ,   

, . , 

         ,  

      

.      

        

  ,     

 ""  .

. ,  

   ,    . 

       

1990-. .

      31  2002 . N 62- "

  "   

     ,  

     .  ,  



       . 

 . 1 . 34,  "

        

      

".

   . 3 . 62  (

 . 4 25  2002 . N 115-

       "),



        , 

, 

. ,  "

,       

, 

, .     

" <1>.

--------------------------------

<1>  17  1998 . N 6-

 // . 1998. N 3.

 "" , 

   .  ,     

        

. 1),     .  . 1 . 2   ,

, 

  ,     

, .

 ,       

  , .  ,  ,

  .   

    , , 

, 

.  , . 3     "

 )".   . , " 

   

  ,  " <1>.

   ""    

.

--------------------------------

<1> . :  2 . / . . . .,

2004. . 1. . 139 - 140.

 .     

) , 

.    , ,  

  -  .    

   (, . 426 539

 ),           

         

"  .

       

      . 

 : PRESSI ( HERSON )

      

:

-  -    ,    

;

-      ()

. 

, 

;

- ,       ,

, 

.

    ,   ()

. .

 .      

 ,         

,    .    ,  

 (), 

,      ,   

<1>.

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<1>  , .: Goldring J., Maher L.W., McKeough J., Pearson G.

Consumer Protection Law. Sydney, 1998. P. 4.

,         

 .        

       

 (, 

). 

 . , .  

   : "...  

       

, 

   .     

  , ,   

, 

     " <1>.  

.

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<1> . . ., 2006. . 83.

, 

.       ,

, . , 

  ",    

, . 

     ;   ,

, ,    ,  ,

, .

  ,    ,

.

 ,   .   . , 

   ,  ",    ,

  , ,     

, 

..." <1>, . : "...

        

,  " <2>. 

      .     

 ,        

,       

 .       

 - .

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: .

 . , .  " .

" ( 2) 

 - , 2002 (4-, ).

<1>  .,  .  :  5 . . 2.

. ., 2006. . 76.

<2>  .       

  : . . ... . .

. , 2004. . 16.



  ,    " " 

.       ,  

 ,     <1>.

,       

      . 

    , , , 

  .    

 , ,   , 

,       ,   

 ,       

    "" .  

, ,     

.

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<1> .: Herre J., Hondius E., Alpa G. The Notions of Consumer and

Professional and Some Related Questions // Official web-page of the Study Group on

a European Civil Code: http:// www.sgecc.net/ pages/ en/ texts/ index.draft_

articles.htm.

  

 ,   ,   

    .      

. 6 7.

 : PRESSI ( HERSON )