Balancing the Rights of Consumers and Lenders in Electronic Lending Год выпуска: 2011Автор: Ingrid UlstИздательство: LAP Lambert Academic PublishingСтраниц: 200ISBN: 9783846542422Описание Limiting the annual percentage rate of charge (APRC) is the major bottleneck in balancing the rights of consumers and service providers in electronic retail lending in Estonia. The APRC limit is problematic because it assumes the reverse burden of proof: in case the APRC of a loan exceeds the legal limit and a borrower argues that the loan is contrary to good morals, a lender is obliged to prove that it is not. The undefined wide scope of the obligation of proof facilitates a discussion of constitutional non-compliance of the APRC limit. First, the APRC limit sets constraints to the income level of service providers, decreasing economically reasonable exercise of entrepreneurship freedom. Secondly, the APRC limit might influence the parameters of electronic retail lending, decreasing consumer-friendliness of the service and thereby indirectly restricting the contractual freedom of consumers. Finally, next to responsible lending, responsible borrowing and well-informed consumer...
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Ирина Большое спасибо за диплом. 2 июня была защита, все замечательно: рецензию написали отличную, очень хорошо, что были приложения, никаких претензий нет. Вам еще раз большое спасибо и никаких претензий к Вам нет.
