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

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

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

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

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

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

 <1>.

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

March 1997 on Investor-Compensation Schemes.

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

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

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

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

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

, SIPC  <1>.

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

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

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

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

    .  :

      ,    

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

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

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

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

- ;

- ?

        , ,

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

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

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

      

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

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

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

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

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

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

      

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

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

 ,       N 2004/39/EC

<1>          

.  N 2004/39/EC

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

, 

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

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

<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.  -  

 30  2006

. (24       - . 70

).

§ 9. 

:

1)      

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

2) .

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

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

      .   

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

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

.

         -

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

     . 

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

, . 

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

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

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

.

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

 - :

-    (ex-ante),  

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

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

;

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

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

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

    

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

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

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

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

   .       

 100-      .

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

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

     

  <1>.      

 ex-post .

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

.

1. , 

      

, . 

    ( 11) 

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

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

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

    .  , ,  

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

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

   ( ex-ante),   

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

 ex-post), .

 ex-ante    , 

  ex-post.  ex-ante   

     

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

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

        

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

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

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

      

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

 ex-ante,  

<1>       

 <2>.  ,    

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

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

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

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

       

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

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<1>  -  

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

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

,  1,44% (.: . 

:  // 

. 2007. N 3).

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

.

       

 ex-ante 

ex-ante.  ,   ,  

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

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

, , )    

 ,   ,   

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

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

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

   ex-ante    

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

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

    ex-post   

     

    .  ex-post  

       

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

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

 ex-post     

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

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

.

  -   , , , ,

      ex-post. 

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

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

   ex-post,   

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

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

 ex-post .

2. 

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

, . 

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

. ,  (

)  , . 

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

 .   

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

.

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

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

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

. 

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

.  (

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

.

3. 

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

. 

, :

- ;

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

-      

.

       

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

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

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

       , 

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

   (  ).      

 .     

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

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

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

 () , , , .

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

.

   (   )   

   ,     

     1 . .,   

      ,  

 1 . . (. 41). 

     .   

 (    )  

.

  FDIC       

 (   Federal Deposit Insurance Corporation

Improvement Act of 1991 (P.L. 102 - 242, 105 STAT. 2236)). 

.  1991 .  30 . . ,

 2009 .  100 . . . 

    FDIC  .  

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

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

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

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

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

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

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

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

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

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

  . ,   

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

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

     29  2004 . N 96- "

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

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

".

4. 

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

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

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

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

.

      ( 

) , 

    .   :

 (   )   (   

) -      ()

  ()     , 

 .      

,   , 

.

5. 

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

   ,   .  

  <1>  ,   

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

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

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

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

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

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

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

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

<2>.

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

Funding of the Financial Services Compensation Scheme. Report prepared for

The Financial Services Authority. March 2006.

<2> Funding of the Financial Services Compensation Scheme. Report prepared

for The Financial Services Authority. March 2006.

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

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

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

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

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

 <1>.

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

<1> Ibid.

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

. , 

 Financial Services and Markets Act <1>  FSCS , 

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

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

     .   

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

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

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

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§ 10. , 



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

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

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

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

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

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

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

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

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

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

 <1>.

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

.

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

      .

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

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

,  <1>.

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

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

:

- ;

-  (co-insurance).

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

 ,       

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

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

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

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

 <1>.

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

<1> Ibid. 3.25.

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

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

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

 <1>.

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

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

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

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

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

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

<1> Ibid.

       ( 9)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 <1>.      2 - "

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

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

 <2>.

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

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

.

         

 250 . .   1  2014 .   

   100 . .,     

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

 250 . . <1>. 

  50 . , 

 100 .  <2>.

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       (. 4, § I) <1>

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

 20 . . 

  20 . . 

 (, , )      25

.  30 . .    , 

, :

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

March 1997 on Investor-Compensation Schemes.

-       70 .  

  .  70 .   

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

;

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

48 .   ( 55 .    2009 .). 

 1988 ., .

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

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

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

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

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

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

     20 . ).  , 

      10 .  

     20 . ,  

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

 - 20 . .

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

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

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

 .      , , ,

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

,  40

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

,  20 .

 <1>.

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<1> Description and Assessment of the National Investor Compensation

Schemes...

,  "", 

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

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

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

,     ,   

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

.

,       ( 

 )      10% 

 (,  20 . , 

) <1>.

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

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

May 1994 on Deposit-guarantee Schemes.

 15  -    2002 . 11  100-

  .   100%   

 ,     90%  .

, ,   90%    

.

 ,     ""

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

  100-    .

: ", 

, " <1>. , 

 ,  ""    

 )     .   

 <2>,    

 <3>.

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

<1> Improvement of Depositors' Protection. Citizens' Summary.

<3> .: Improvement of Depositors' Protection. Citizens' Summary.

     "" 

 . ,  (  ) 

 100% ,   100 . .,  90% ,

 100 . .,    400 . .  

     .   100-

 - 700 . .

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