Babaskin Anatoliy

Yearly journal of scientific articles Pravova derzhava Volume 32 (2021),
297-305 p.

Babaskin Anatoliy. Legal nature of the requirements of the banking legislation of Ukraine to ensure credit operations of banks

ntroduction. Despite the fact that a significant number of scientific publications by well-known Ukrainian authors are devoted to the issues of legal regulation of credit obligations, at the same time separate studies of banking legislation requirements on "acceptability of collateral" have not been conducted in Ukrainian civil science in recent years. This, taking into account the gradual alignment of banking legislation of Ukraine with the standards of Basel III, and Directive 2002/47 / EC of the European Parliament and of the Council of 6 June 2002 on financial collateral mechanisms, necessitates such scientific research.

The aim of the article. On the basis of the analysis of the legislation of Ukraine, the legislation of the European Union, scientific advances in the sphere of civil law and banking legislation, in the context of the analysis of the banking legislation of Ukraine, it is safe for creditors. In order to achieve this goal: 1. Conduct an analysis of civil and legal species for the protection of crops for the subject of possible delivery to acceptable safety and vrahuvannya banks when opening a credit card. 2. Significantly "quasi-security", as viewed by the banking legislation in the form of "acceptable security" for credit cards. 3. Zdysniti analysis of the approaches to the legislation of the EU in the field of protection from credit denominations.

Results. The methodological basis of the study is general scientific and special legal methods of scientific knowledge. In particular, the dialectical method, the method of analysis and synthesis, the comparative law method, the functional method, the modeling method, etc.

Conclusions. First, the banking legislation does not consider as "acceptable collateral" such types of collateral as penalty, surety, deposit, retention. Secondly, the banking legislation considers as "acceptable collateral" not only those specified in Part 1 of Art. 546 of the Civil Code of Ukraine types of security for performance of obligations (pledge, right of trust ownership, guarantee), and other types of security for performance of obligations provided by law or contract (reserve letter of credit, performing the function of financial guarantee, guarantees of public entities, guarantee payment), but also contractual constructions which do not concern types of maintenance of performance of obligations (repo agreements). Thus, the banking legislation considers collateral in credit operations from the economic point of view, according to which "acceptable collateral" is only such liquid collateral that guarantees the rapid recovery of the property of the creditor bank, which suffered damage due to default or improper performance of the counterparty loan obligation, as well as "quasi-collateral", if such is referred by banking legislation to "acceptable collateral". Third, the existence of rules in the banking legislation on the acceptability of collateral in no way affects the right of banks to use any type of collateral provided by law or contract, if the application of such is possible in credit relations, taking into account the legal nature of the relevant types. software. Fourth, the set of regulations of the National Bank of Ukraine on the acceptability of collateral can be considered as an institution of banking law, which includes as rules of civil law governing the types of collateral, other rules of contract law governing other "quasi-collateral" contractual constructions, as well as public-law special norms of banking legislation, which establish additional regulatory requirements for banks to ensure credit operations and calculate credit risk.

Key words: credit, credit operation, liabilities, types of collateral, risks, "quasi-collateral", banking law.

References

1. Stratehiya rozvytku finansovoho sektoru Ukrayiny do 2025 roku. URL : file:///D:/Downloads/Strategy_FS_2025.pdf/ https://eur-lex.europa.eu/legal-content/EN/TXT/?qid=1609227955027&uri=CELEX%3A32002L0047 [uk]. 2. Pro banky i bankivsʹku diyalʹnistʹ: Zakon Ukrayiny vid 7 hrudnya 2000 r. 2121-III. URL : https://zakon.rada.gov.ua/laws/show/2121-14#Text [uk]. 3. Bankivsʹke pravo: pidruchnyk. O.V. Baklan,YE.P. Hayvoronsʹkyy, V.O. Tymashov, T.O. Hurzhyy, O.V. Korolʹkov. Kyiv : Drukarsʹkyy dvir O.Fedorova, 2018. 346 s. S. 250. [uk]. 4. Bankivsʹke pravo: navch/ posibn. /D.O. Hetmantsev, N.H. Shuklina. Kyiv : Tsentr navch. Lit., 2007. 344 s. URL : https://studfile.net/preview/5644271/ [uk]. 5. Oleynyk O.M. Osnovy bankovskoho prava: kurs lektsyy. Moskva : Yurystʺ, 1997. 424 s. S. 341368. [ru]. 6. Belykh V.S., Dorofeev B.YU., Vynychenko S.Y., Havryn D.A. y dr. Bankovskoe pravo: uchebnyk dlya bakalavrov / pod. red. V.S. Belykh. Moskva : Prospekt, 2016. 696 s. S. 609655. [ru]. 7. Bratko A.H. Bankovskoe pravo Rossyy: uchebnyk dlya bakalavryata y mahystratury. Moskva : Yurayt, 2015. 489 s. S. 393396. [ru]. 8. Havalʹda K., Stufle ZH. Bankovskoe pravo. Uchrezhdenyya Scheta Operatsyy Usluhy. Moskva : Fynstatynform, 1996. 566 s. S. 409419. [ru]. 9. Von Peter Derleder, Kai Oliver Knops, Heinz Georg Bamberger. Handbuch zum deutschen und europäischen Bankrecht. 2008. 2886 s. URL.https://books.google.de/books?id=WRXM4Nr-pVUC&pg=PA3&dq=bankrecht+geschichte&hl=de&sa=X&ei=dOMBU6DaHsHNtAbt9oGIBw#v=onepage&q=bankrecht%20geschichte&f=false 10. Dyrektyva 2002/47/YES Yevropeysʹkoho Parlamentu ta Rady YES vid 6 chervnya 2002 r. pro mekhanizmy finansovoyi zastavy, zi zminamy, vnesenymy Dyrektyvoyu 2009/44. URL : https://zakon.rada.gov.ua/laws/show/994_502#Text [uk]. 11. Rehlament (YES) 575/2013 Yevropeysʹkoho Parlamentu ta Rady vid 26 chervnya 2013 r. pro prudentsiyni vymohy do kredytnykh ustanov ta investytsiynykh firm ta vnesennya zmin do Rehlamentu (YES) (648/2012). URL : https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32013R0575 [uk]. 12. Usmanova E.R. Tytulʹnoe obespechenye hrazhdansko pravovykh obyazatelʹstv. dyss. kan. yur. nauk. Moskva : 2017. 152 s. S. 2234. [ru]. 13. Polozhennya pro vyznachennya bankamy Ukrayiny rozmiru kredytnoho ryzyku za aktyvnymy bankivsʹkymy operatsiyamy, zatverdzhene Postanovoyu Pravlinnya Natsionalʹnoho banku Ukrayiny vid 30.06.2016 r. 351 URL : https://zakon.rada.gov.ua/laws/show/v0351500-16#Text [uk]. 14. Konventsiya OON pro nezalezhni harantiyi ta rezervni akredytyvy (Nʹyu-York, 1995). URL : https://zakon.rada.gov.ua/laws/show/995_517#Text [uk]. 15. Babaskin A.YU. Zabezpechuvalʹnyy platizh yak odyn iz vydiv zabezpechennya vykonannya zobovʺyazanʹ. Pravova derzhava. 2019. Vyp. 30. S. 268276. [uk]. 16. Polozhennya pro ekstrenu pidtrymku Natsionalʹnym bankom Ukrayiny likvidnosti bankiv (u redaktsiyi postanovy Pravlinnya Natsionalʹnoho banku Ukrayiny vid 04.09.2020 130). URL : https://zakon.rada.gov.ua/laws/show/v0411500-16#Text [uk]. 17. Vyshnevskyy A.A. Sovremennoe bankovskoe pravo: bankovsko-klyentskyy otnoshenyya. Sravnytelʹno-pravovye ocherky. Moskva : Statut. 2013. 349 s. URL : https://pravo.studio/pravo-bankovskoe/sovremennoe-bankovskoe-pravo-bankovsko.html [ru].

<< Back