Сарнаков И.В. Потребительское кредитование в России

Подождите немного. Документ загружается.

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

          

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

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

.

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

<1>   21  2001 . N 153- "

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

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

. 2001. N 60; 2004. N 7.

   ,      

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

, . 5 , 

    ,     

, .

 " "    

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

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

:

 -    ,   

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

        

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

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

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

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

,      . 1     

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

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

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

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

.

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

<1> . 

). ., 1998. . 314.

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

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

.

I. :

  -    

;

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

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

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

.

II. : ; .

III. :

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

);

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

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

IV. :

, ;

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

.  (,

) .



. , , . , .   . 

   : 1)  

; 2)   ; 3) ,

  ; 4)   ; 5)

  ; 6)  ,   

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

 ; 7)   ; 8)   

 - , , ; 9) 

 - ,  <1>.

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

<1> ., ., . . . . 106 - 108.

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

  . 22       

   .     

 II  N 109-.

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

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

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

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

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

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

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

, . 168 .

. 819 

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

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

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

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

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

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

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

 (    -  ), 

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

    (. 173  ). ,  

.

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

            

? , .  8 

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

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

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

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

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

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

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

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

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

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

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

.

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

<1>      

. 2 . 9 

 "".

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

, 

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

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

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

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

.

      ,

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

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

. , , .    ,  

       

 (. 2 . 819 ), , 

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

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

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

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

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

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

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

  . .  ,  " 

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

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

" <1>.

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

<1> . . . . 14.

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

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

, . ,  " (. . 819 -

821  )        

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

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

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

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

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

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

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

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

 "" 

 " <2>. .     ,

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

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

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

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

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

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

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

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

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

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

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

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

<1>  .      

   //   . 2000. N 1. . 44;

.  // . 2000. N 7; .,

.  // 

. 2002. N 4. . 51; . :

 / . . . . ., 2004. . 516; . 

.  // .

2001. N 9; . . . . 107.

<2> ., . . . . 310.

<3> .  () 

. . ., 2003. . 70 - 71.

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

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

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

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

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

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

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

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

.

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

, , 

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

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

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

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

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

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

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

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

)  <1>.

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

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

N 13-11305/2006 //  "";   -

 3  2009 .   N 11-11368/2008-1-8/22 // 

";  2 

2005 . N 05-2748/04-3 //  "";  

   25  2003 . N 41/1557-03 // 

".

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

   .  ,  

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

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

, . 2 . 388 

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

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

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

    (. 1 . 388  ).     

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

, , . 42 , 

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

,  <1>.

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

<1>      :

 .   //   . 2001. N 3. . 33;

. . . . 77, 121; ., . 

    //  . 2001.

. . 69.

 . : " 

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

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

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

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

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

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

. . , 

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

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

. , , 

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

" <1>.

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

<1>  .      

        // 

. 2008. N 1. . 21.

  , -  . , -   -

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

.  - .). 

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

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

,   ""   "

<1>.

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

<1> .

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

 20  1996 . N

1-7/-571,   ,    , 

, . . 382, 384, 388

, . 168 . 

, 

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

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

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

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

 <1>.

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

<1>   . 1997. N 11. . 5;   -

 5  1999 . N 655;  9  1999 . N 653;  22

 1999 . N 42-1369/99-18;  4  2002 . N 42-7543/00-9-1372/01;

 18  2003 . N 56-24560/02 //  "".

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

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

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

. 26     ,  , ,

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

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

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

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

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

.

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

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

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

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

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

  ,     "

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

" <1>.

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

<1>  7  2001 . N 115- "

 () ,  " // .

2001. N 33 (. I). . 3418; 2009. N 29. . 3600.

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

     , ,

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

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

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

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

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

.

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

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

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

 ,      30

 2004 . N 218- "",  

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

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

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

 (. 6).

       

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

 ,     ,  

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

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

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

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

.

, , 

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

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

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

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

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

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

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

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

.

2.   -     

.

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

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

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

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

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

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

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

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

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

    

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

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

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

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

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

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

 ()

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

.

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

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

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

,       "  

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

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

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

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

.

   . 2      

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

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

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

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

.



  ,     

 "   " <1>   

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

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

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

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

, .).

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

<1>       20 

1998 . N 160 ", 

    " " //

      .

1999. N 2.

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

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

       ""

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

 . 9   "     

   " ,   

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

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

 "",  <1>.

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

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

<1>  .     "  

"      -

 . , 2004. . 11 ( "

"); .,  .,  . 

 "   " () /  . . .

. ., 2002. . 23.

  . 9: " ,     

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

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

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

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

 ,   ,  

 "" 

".

     

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

       

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

 ()  "", 

 ""  ()

 (1996 .).

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

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

,   ";    

) , , . : ",

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

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

,       (1992 .)   "

".

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

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

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

, ,

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

.

,  . 819       

,  ,   - 

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

.

    

   ,   18  ( 

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

),       -  21 ; 

.

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

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

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

    . 1.7    N 54-, 

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

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

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

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



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

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

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



   ,    . 1 . 821  ,

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

     ()  

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

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

  ()  

        

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

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

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

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

  , . 

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

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

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

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

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

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

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

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

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

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

.

 -   ()  

 )       

     ().   

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

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

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

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

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

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

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

   (, ).   

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

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

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

 <1>.

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

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