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

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

    "".  

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

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

   .    " "   

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

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

  . ,   

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

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

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

,     ,    

.

      

 ,     

   . ,  

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

.

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

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

   .   

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

  ,      

.

  ,  

      

. . 

, ,  - .

      1933 .    

. .

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

     <1>. , 

       

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

.

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<1> .: Guiso L., Sapienza P., Zingales L. Trusting the Stock Market // The

Journal of Finance. 2008. Vol. LXIII. No. 6.

, ,  "

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

, , 

" <1>.   ,  " ,  

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

<2>.  ,  ,    , 

       ,    

,         

, , , 

 ,       

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

,       :   

      

.        

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

       

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

.

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

<1> Ibid.

<2>  .     

 // . 1999. N 1-2. . 171 - 181.

  ,    ,  

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

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

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



    ,      <1>.

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

 ,   - .   

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

, .

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

<1> .:  .    (    

). ., 2002;  .     .

 // . 2006. N 11; . . .;

Guiso L., Sapienza P., Zingales L. Op. cit. .

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

     (.  ),

:

-     ( 

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

.);

- , 

   (,  , 

) <1>.

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<1> .: Guiso L., Sapienza P., Zingales L. Op. cit.

  ,    

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

,      

   ,   .  

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

   ,      

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

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

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

, .

 - , 

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

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

          

    -  . ,

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

, . 

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

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

.

    (Thlimmenos)   

 .

14        , . 

.    . 44   

: ", , 

 14         

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

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

, . 

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

,    14.  

, ,

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

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

" <1>.

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

<1> . : . .  

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

: 

 1960  2002 . . . ., 2004. . 748.

,     ,  

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

 ,       , 

.

    ,  

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

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

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

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

,         

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

19  34      

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

" <1>.

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

<1>  23  1999 . N 4-

 // . 1999. N 3.

,  ,       

       -  

,    ,   

.

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

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

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

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

.

 I. 

 1. .



§ 1. 

   ,     ,

  .     

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

     (, 

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

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

, , .

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

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

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

.

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

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

  .     

.

   (  

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

       <1>.  

      

.

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

<1>       

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

    ,     

. 

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

.

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

  ,    ,  

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

        

.

 30-. XX . 

.        

, , 

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

  <1>.    70- . XX .   

      <2>, .

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

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

<3>.

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<1> .: . :  

 -     / .  . .

, . . ., 2006. . 391.

<2> . . 401 - 407.

<3>         

   11  2003 . N 152- "  

".        -

  .:  .,  .  

 // . 2005. N 7, 8.

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

    -   .

     

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

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

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

. 

<1>.

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<1> .: .  // . 2007. 29 .

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

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

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

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

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

 <1>. 

 <2>.

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<1> .: http:// news.bbc.co.uk/

l/ hi/ business/ 7096845.stm  http:// news.bbc.co.uk/ 2/ hi/ business/ 7073131.stm. 

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

: Randall D. Subprime Tentacles of a Crisis // http:// www.imf.org/

external/ pubs/ ft/ fandd/ 2007/ 12/ dodd.htm. .

       2007 .: Global

Financial Stability Report. Financial Market Turbulence. Causes, Consequences and

Policies. Oct. 2007. IMF Washington DC, 2007. P. 2 - 39.

<2> .:  .    800 . // .

2008. 20 .

 ,    -   

.      ,    

, . , , 

   .    

,     , 

      

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

    .    

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

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

       

    .    

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

, .

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

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

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

.

    ,    

      . 

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

".           ,

     .     , 

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

 <1>.

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<1>     ,  

 9 . .

      .  

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

.

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

      

 , .     " 

    " <1>.  ,  .

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

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

.

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<1>  .   : , ,

. ., 2004. . 185.

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

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

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

, 

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

   .     

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

.

§ 2. 



1. 

      , 

.

 2004 . , 

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

  . ,  

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

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

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

.    

 , .   ,   

    ,    

  ,      

. <1>.

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<1>    .:  .  

 // http:// www.utro.ru/ articles/ 2005/ 01/ 24/ 399766.shtml.

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

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

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

   .        

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

.

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

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

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

 - , 

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

. , . 

2005 .    ( )   

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

 <2>,  2006 . 

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

<3>.

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<1>         

   Bankir.ru: http:// bankir.ru/ news/ newsline/

18.04.2007/ 81505.

<2> .:  // . 2005. N 3.

<3> .:      

11, 18  2007 . N 09-11031/2007-,  31  2007 . N 09-

14121/2007-.

 2005 .   ( - 

)       

    <1>,    2007 .

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

   <2>,    2006 - 2007 .

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

, .

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

<1> .:  26  2005 .  N /7235, 

 N 77- // . 2005. N 28.

<2> .:      1  2007 . N 78- //

. 2007. N 34.

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

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

, 

 - ),     , 

   .      

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

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

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

, .

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

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

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

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

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

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

.

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

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

  <1>.       

 <2>, 

 <3>.  ,        

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

 7  1992 . N 2300-1 "   " <4> ( -

), , 

.  . 4

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

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

.

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

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<1> .:  4  2007 .,  9

 2007 . N 40/5013-07,    

 15  2007 . N 12235/07.

<2>  .   " ":

http://www.insur-info.ru/news/10272/.

<3> .:  23  2008 . N 4-08-

23,  1  2009 . N 5-09-83, N 5-09-84.

<4>         

.

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

,       - 

. ,  

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

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

     .   .

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

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

.      ,

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

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

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

.

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

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

:     

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

 .     , 

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

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

2. 

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

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

  .    

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

.

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

 . ,  . 940, 943 

  ( -  )    

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

,       

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

   (. 1 . 11    29

 2001 . N 156- "  " ( -  

 )).    

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

 (. 1 . 9 7  1998 .

N 75- "   " ( -  

)).

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

. , 

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

, , , 



    .    

, , .

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

,    .    

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

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

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

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

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

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

  .   : "

) ", " ", "

". 

.

, 

        

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

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

.

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

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

.

        

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

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

.

, , 

 2007 . (  )    22,7% <1>.

     ,

 . 395, , 

.

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

<1> .:         

2007 . // http:// www.cbr.ru/ publ/ root_ get_ blob.asp?doc_ id=8136.

,      

,       

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

. , . 2 . 2 . 15    

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

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