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

Подождите немного. Документ загружается.

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

    ,   

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

,    ,

, ,    ,   

   .    

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



,  "" ().

         ,

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

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

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

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

. , 

  ,    -    

 .     

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

     -  , 

     Medicator 

.  (

 )        

   ,  

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

.

§ 4. 

    

 (     ) 

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

.

   , ,    , 

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

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

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

 . ,    (  )

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

         (

 - FDIC  SIPC,  - FSCS).

 ,       

    .   

   ,  

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

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

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

   .    

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

   -    

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

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

,  <1>.

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

<1> .:     

.

 <1>.

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

<1>   ,  , : A Framework for the Guarantee

Schemes in the EU...

§ 5. , 

    -   

 ,      

,     ,  ,  

   ,   

.

      - 

   ().   

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

   ,   

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

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

 <1>.

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

<1> .:     

.

, FDIC       5160

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

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

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

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

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

    .  ,

FDIC      

   .     

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

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

.

   , , ,   -

         ,

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

, 

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

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

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

.

   (  )  

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

 Commission Bancaire () 

 () , 

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

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

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

       ( 

)   ,     ,   

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

     .    -  

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

        

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

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

       

).

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

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

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

   .    , , 

      ,   . 

   (FSCS)    

.

§ 6. , 

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

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

, . , 

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

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

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

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

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

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

<1>. , 

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

  , 

 (. ) <2>.

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

<1> .: A Framework for the Guarantee Schemes in the EU...

<2> .:     

.

     ,    

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

         

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

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

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

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

 .    

     ()  ,

 <1>.

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

<1>   ,  , : Description and Assessment of the

National Investor-Compensation Schemes...

      . , 

 FSCS     ,   

.    - 

, : 1) 

5,6 . ; 2)     2,8 . ; 3)   50

.    (  )   

,     ;   

 <1>.

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

<1>  : Description and Assessment of the National Investor-

Compensation Schemes...

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

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

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

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

.

, 

  ,     

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

.

,  <1>

. 4(2)   1)    

, :

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

<1> Directive 97/9/EC of the European Parliament and of the Council of 3

March 1997 on Investor-Compensation Schemes // Official Journal. 1997. 26 March.

No. L 084. P. 0022 - 0031.

-    , : 1)

,  N 2004/39/EC <1>; 2)

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

2006/48/EC <2>; 3)  ,    . 1(6)

 N 2006/48/EC <3>; 4)  ; 5) 

; 6) ;

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

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

<1> Directive 2004/39/EC of the European Parliament and of the Council of 21

April 2004 on Markets in Financial Instruments Amending Council Directives 85/61

1/EEC and 93/6/EEC and Directive 2000/12/EC of the European Parliament and of

the Council and Repealing Council Directive 93/22/EEC // Official Journal. 2004. 30

Apr. No. L 145. P. 0001 - 0044.

<2> Directive 2006/48/EC of the European Parliament and of the Council of 14

June 2006 Relating to the Taking up and Pursuit of the Business of Credit Institutions

// Official Journal. 2006. 30 June. No. L 177. P. 1 - 200.

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

;

- , , ;

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

 , ,  5%   

, , ,

;

-     ,   

, ;

- ;

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

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

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

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

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

     . 11  N 78/660/EEC  25

 1978 . <1>.

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

<1> Fourth Council Directive 78/660/EEC of 25 July 1978 Based on Article 54

(3) (g) of the Treaty on the Annual Accounts of Certain Types of Companies //

Official Journal. 1978. 14 Aug. No. L 222. P. 11 – 31

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

: 1)  1 . ; 2) 

 2 . ; 3)  50.

  -       

,    .      ,

   ,   -   (

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

        .  ,

, , , , 

  )    

 <1>.

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

<1> .: Description and Assessment of the National Investor Compensation

Schemes...



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

. :

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

;

-  5%       

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

);

- ,  5%     

;

- , 

;

- , , , 

<1>.

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

 . 2 . 7    

<1>     

     .   

 1 , 

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

 ():

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

<1> Directive 94/19/EC of the European Parliament and of the Council of 30

May 1994 on Deposit-guarantee Schemes // Official Journal. 1994. 31 May. No. L

135. P. 0005 - 0014.

- ;

- ;

- ;

- ;

- ;

- , : , , 

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

5%    ; ,  

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

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

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

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

;

- , ;

-  (Non-nominative deposits);

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

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

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

;

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

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

- , ;

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

      . 11  N

78/660/EEC  25  1978 .

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

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

, :

-       

;

- ;

-  ,      

 25% ;

- ,  I  II , 

;

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

, .

   (  )    

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

.      (  )

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

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

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

 ,       5%  .

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

     .    

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

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

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

      

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

 ():

- ,   ,  

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

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

) ;

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

 () ;

- ;

- , 

.

§ 7. , 



         

, . . , 

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

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

. ,     9   

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

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

" <1>.       

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

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

  <2>.      

,  <3>.

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

<1> .

         ,

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

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

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

, . <1>.

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

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

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

       

. , 

  ,   ,  ,  



. .

       (  ) <1>

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

 N 2004/39/EC 

<2>.      ( 1) 

:

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

<1> Directive 97/9/EC of the European Parliament and of the Council of 3

March 1997 on Investor-Compensation Schemes. P. 0022 - 0031.

<2> Directive 2004/39/EC of the European Parliament and of the Council of 21

April 2004 on Markets of Financial Instruments Amending Council Directives 85/61

1/EEC and 93/6/EEC and Directive 2000/12/EC of the European Parliament and of

the Council and repealing Council Directive 93/22/EEC.

- ;

-         

;

- ;

- ;

- ;

-      () 

)      

;

- ;

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

. 

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

    .     

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

 ,    (, , , ,

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

 (    ), ,

).   -    ,   

 (   )  , 

 (, , , , ). 

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

, , , , , , , ).

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

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

       

.     ,   

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

  ,     

, .

§ 8. 



, 

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

 <1>. :

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

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

<1> .: A Framework for the Guarantee Schemes in the EU...

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

     ,   

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

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

   . 1(3)(i)     

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

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

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

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

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

       <1>,   

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

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

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

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

.

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

<1>        21  

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

.



. FDIC  ,     

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

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

  -    

 (the Office of the Comptroller of the Currency) 

 (the Office of Thrift Supervision) <1>.

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

, 

 

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

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

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

, , .

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

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

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

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

. , , 

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

, . 

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

. , , 

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

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

 <1>.

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

,      

  (. 2, § 2) <1>    ,

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

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

:

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

<1> Directive 97/9/EC of the European Parliament and of the Council of 3

March 1997 on Investor-Compensation Schemes. P. 0022 - 0031.

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

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

;

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

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

.

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

,     (. 2(2)  

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

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

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

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

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

;

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