PROBLEM OF LONG-DATEDNESS IN BANKING CREDITING IN RUSSIA: LEGAL ASPECT

Objective: to study the needs of economy in the long-term banking credit for capital renewal, and in this regard, to find in the current legislation the time frame of long-datedness in general, and in particular time period of long-term banking credit relationships. Methods: the work is based on the dialectical approach to cognition, allowing to establish the diversity of long-dated terms in the system of the current legislation, by assessing the quantitative aspects, to identify the components of a period of time, comprehensively and objectively considered as long-dated in bank crediting. The dialectical approach to cognition has determined the choice of specific research methods: general scientific (comparison, description, induction, systemic approach), and specific scientific (analysis, synthesis, generalization) methods.Results: in the current legislation there is no clear definition of a long-term period of time. The concept used in the legislation characterizes different time periods. Also, there is no generally accepted time period of long-term banking credit relationships, as every legal act in crediting establishes its own time frame. Such situation of legal uncertainty of the timing of long-term bank crediting is an obstacle in enhancing the long- term component in bank crediting. In this regard, to improve the legal regulation of long-term credit relationships it is essential to establish a unified period of long-term bank crediting.Scientific novelty: for the first time, the article describes and analyzes the current Russian legislation relating to long-term relationships and their timing, as well as legal acts related to the activities of the banking sector, which are determined by crediting terms depending on the situation and order of granting.Practical significance: the main findings of the research can be used in scientific and theoretical activity in civil law when considering the timing of the relationships and their duration. They can be also used in the lawmaking for the theoretical justification of certain provisions of normative acts related to timing, in general and with the timing of long-term bank credits, in particular.

Civil law, Entrepreneurial law, Term, Long-datedness, Long-term relationship, Long-term bank credit

1. Суханов Е. А. Российское гражданское право. В 2 т. Т. I: Общая часть. Вещное право. Наследственное право. Интеллектуальные права. Личные имущественные права. 4-е изд., стереотип. М.: Статут, 2014. 958 с.

2. Гражданское право. Ч. 1 / отв. ред. В. П. Мозолин, А. И. Масляев. М.: Юрист, 2007. 719 с.

3. Горбачев А. Н. Гражданское право. М.: Академический проект: Фонд «Мир», 2005. 800 с. (Gaudeamus)

4. Пиляев В. В. Гражданское право. Часть общая и особенная. М.: ТК «Велби», 2006. 800 с.

5. Грудцына Л. Ю., Спектор А. А. Гражданское право России. М.: ЗАО «Юстицинформ», 2008. 560 с.

6. Гражданское право / под ред. М. М. Рассолова, П. В. Алексия, А. Н. Кузбагорова. М.: Юнити-Дана, 2010. 916 с.

7. Беляков А. В. Банковские риски: проблемы учета, управления и регулирования. М.: БДЦ-пресс, 2004. 256 с.

8. Банковское дело / под ред. Г. Н. Белоглазовой, Л. П. Кроливецкой. 5-е изд., перераб. и доп. М.: Финансы и статистика, 2003. 592 с.

9. Глушкова Н. Б. Банковское дело. М.: Академический проект; Альма-Матер, 2005. 432 с.

10. Гришаев С. П. Кредитный договор: содержание, виды, исполнение // Электронно-правовая система «Консультант Плюс».

11. Деньги, кредит, банк. Экспресс-курс / кол. авт.; под ред. заслуж. деят. науки РФ, д-ра экон. наук, проф. О. И. Лаврушина. 4-е изд., стер. М.: Кнорус, 2010. 320 с.

12. Банковские риски / кол. авторов; под ред. д-ра экон. наук, проф. О. И. Лаврушина и д-ра экон. наук, проф. Н. И. Валенцевой. 2-е изд., стер. М.: Кнорус, 2008. 232 с.

13. Брагин Н. И., Колмыкова Т. С., Щербаков А. П. Структурно-инвестиционные преобразования в экономике. М.: Информационно-внедренческий центр «Маркетинг», 2008. 136 с.