Issue 2 (20) 2013

Bondarenko_Shkut SUBJECT STRUCTURE OF THE FACTORING AGREEMENT as per THE LEGISLATION OF RUSSIA, BELARUS, LATVIA: СOMPARATIVE LEGAL STUDIES

SUBJECT STRUCTURE OF THE FACTORING AGREEMENT as per THE LEGISLATION OF RUSSIA, BELARUS, LATVIA: СOMPARATIVE LEGAL STUDIES

N.L. Bondarenko

International University "MITSO"
21/3, Kazintsa st., Minsk, 220099
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

O.N. Shkut

Lawyer, board member SIA «Bals Latgale»
LV-5422, Latvia, Daugavpils, Rezeknes st., 17а-33
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

The authors analyze the subject structure factoring agreement, which is directed to an assignment of the claim by the lender to factor in the case of the Republic of Belarus, Russia and Latvia. Comparative legal analysis of the subject composition of the factoring agreement in the Republic of Belarus, Russia and Latvia shows a lack of uniformity requirements for the participants of factoring relations. The direct participants (parties) of the financing contract traditionally has been the financial agent (factor) and the client. In the Republic of Belarus as a factor may act only banks and non-bank financial institutions, in Russia - as banks and specialized non-credit institutions (factoring organizations), Latvia virtually no requirements for parties of a factoring agreement, but a comprehensive analysis of the legal regulation financial services follow the licensing requirements of such activities. In our opinion, the existence of special rules contain requirements only to the parties to the contract called to play an important role for the development of factoring in any state. For banks and other credit organizations to act as financial agent of the financing agreements receivable financing without a special permit (license) implies a greater degree of practice of factoring in most countries of the world. As for the question of whether the licensing of financial agents (factors), it is necessary to take into account the fact that, theoretically, on the basis of international legal regulation of factoring any commercial organization with operations funding receivable financing, should be ready to assume the responsibilities for the management Accounting for the customer and provide him other financial services related to monetary claims are the subject of concessions. In this case, these services must meet certain eligibility requirements and be subject to control. Thus, it is important to ensure that the licensing quality standard factoring services. As for the second participant factoring - a client, usually there are no special requirements for this subject a contractual relationship. However, in the legal literature, the range of possible participants of the contract financing receivable financing (including client side) is often limited to commercial organizations and individual entrepreneurs. This is due to the fact that, in practice, a factoring agreement is designed to serve professional commercial turnover (commercial entities or individual entrepreneurs). The extension of the factoring agreement on the scope of civil legal relations involving citizens-consumers can lead to serious negative consequences in promoting and protecting the rights of consumers, who will have to face the professional market of financial services.


Keywords: factoring; factoring agreement; financing; factor; client

 

Bibliograficheskij spisok

  1. Bankovskij kodeks Respubliki Belarus' ot 25 okt. 2000 g. №441-Z [Jelektronnyj resurs]: v red. Zakona Resp. Belarus' ot 13 ijulja 2012 g. Dostup iz sprav.-pravovoj sistemy «Konsul'tantPljus».

  2. Braginskij M.I., Vitrjanskij V.V. Dogovornoe pravo: v 5 kn. M.: Statut, 2006. Kn. 5, t. 1: Dogovory o zajme, bankovskom kredite i faktoringe. Dogovory, napravlennye na sozdanie kollektivnyh obrazovanij.

  3. Grazhdanskij kodeks Rossijskoj Federacii. Chast' vtoraja ot 26 janv. 1996 g. №14-FZ [Jelektronnyj resurs]: prinjat Gos. Dumoj Feder. Sobr. Ros. Federacii 22 dek. 1995 g.: vved. Feder. zakonom Ros. Federacii ot 11 fevr. 2013 g. Dostup iz sprav.-pravovoj sistemy «Konsul'tantPljus».

  4. Grazhdanskoe pravo: uchebnik; v 4 t. / V.S. Em [i dr.]; otv. red. prof. E.A. Suhanov. M.: VoltersKluver, 2005. T. 1: Obshhaja chast'. 720 s.

  5. Efimova L.G. Sovershenstvovanie zakonodatel'stva o faktoringe // Tr. In-ta gosudarstva i prava Ros. akad. nauk. Ser.: Pravovoe obespechenie sovershenstvovanija bank. sistemy Ros. Federacii. 2012. №6. S. 18–38.

  6. Ivash I.I. Faktoringovye operacii: sushhnost' i osobennosti provedenija v Respublike Belarus'. Minsk: Izd-vo BGU, 2005. 27 s.

  7. Kommercheskij zakon Latvijskoj Respubliki. URL: http://www.likumi.lv/doc.php?id=5490 (data obrashhenija: 23.03.2013).

  8. Konvencija UNIDRUA o mezhdunarodnom faktoringe. URL: http://www.miripravo.ru/forms/finance/faktor/faktor_index_0.htm (data obrashhenija: 23.03.2013

  9. Nikonorova M. Stanovlenie i razvitie faktoringa v postsovetskih gosudarstvah // Bankovskij vestnik. 2010. №2. S. 42–48.

  10. Novoselova L.A. Ustupka prava (trebovanija) v kommercheskoj praktike. Faktoring [Jelektronnyj resurs]. Dostup iz sprav.-pravovoj sistemy «Konsul'tantPljus».

  11. O kreditnyh uchrezhdenijah: Zakon Latvijskoj Respubliki. URL: http://www.likumi.lv/doc.php?id=37426 (data obrashhenija: 23.03.2013).

  12. O registre kreditov: Zakon Latvijskoj Respubliki. URL: http://www.likumi.lv/doc.php?id=249046 (data obrashhenija: 23.03.2013).

  13. Ob obzore sudebnoj praktiki rassmotrenija sporov, voznikajushhih v svjazi s ustupkoj trebovanija (cessiej) i perevodom dolga [Jelektronnyj resurs]: postanovlenie Prezidiuma Vysshego Hozjajstvennogo Suda Respubliki Belarus' ot 21 apr. 2001 g. №7. Dostup iz sprav.-pravovoj sistemy «Konsul'tantPljus».

  14. Panteleeva N.V. Dogovor faktoringa v grazhdanskom zakonodatel'stve Respubliki Belarus': voprosy teorii i praktiki / N.V. Panteleeva // Vest. MGU im. A.A. Kuljashova. 2011. №2(38). S. 67–77.

  15. Praktika primenenija Grazhdanskogo kodeksa RF chasti vtoroj i tret'ej // pod obshh.red. V.A.Belova. M.: Jurajt. 1429 s.

  16. Tarasov A.V. Dogovor finansirovanija pod ustupku denezhnogo trebovanija (faktoringa) po zakonodatel'stvu Respubliki Belarus' [Jelektronnyj resurs]. Dostup iz sprav.-pravovoj sistemy «Konsul'tantPljus».

  17. Shevchenko E.E. Dogovor finansirovanija pod ustupku denezhnogo trebovanija v sisteme grazhdanskogo prava Rossijskoj Federacii. M.: Os'-89, 2005. 336 c.

  18. O bankah i bankovskoj dejatel'nosti [Jelektronnyj resurs]: Feder. zakon (ot 2 dek. 1990 g.) №395-I (v red. ot 14.03.2013 s izm., vstupivshimi v silu s 26.03.2013 g.). Dostup iz sprav.-pravovoj sistemy «Konsul'tantPljus».

  19. O vnesenii izmenenij v chasti pervuju, vtoruju, tret'ju i chetvertuju Grazhdanskogo kodeksa RF, a takzhe v otdel'nye zakonodatel'nye akty RF [Jelektronnyj resurs]: proekt Feder. zakona RF №47538-6, podgotovlennyj Komitetom Gosudarstvennoj Dumy Ros. Federacii po grazhdanskomu, ugolovnomu, arbitrazhnomu i processual'nomu zakonodatel'stvu ko vtoromu chteniju. Dostup iz sprav.-pravovoj sistemy «Konsul'tantPljus»

 


      

      

 
The Perm State University
614990, Perm, street Bukireva, 15
+7 (342) 2 396 275, +7 963 012 6422
vesturn@yandex.ru
ISSN 1995-4190
(с) Editorial board, 2010
Publishing 4 times a year
The magazine is registered in Federal Agency of supervision in sphere of communication and mass communications.
The certificate on registration of mass media ПИ № ФС77-33087 from September, 5th, 2008
The certificate on reregistration of mass media ПИ № ФС77-53189 from Marth, 14th, 2013

The magazine is included in List ВАК and in РИНЦ (the Russian index of scientific citing)

The founder: the State educational institution of the higher vocational training
“The Perm State University”.