THE RIGHT OF CITIZENS TO SELF-LOCK OUT CONSUMER LOANS OR LOANS: PROBLEMS AND PROSPECTS FOR IMPLEMENTATION
Journal: BULLETIN OF THE KALININGRAD BRANCH OF THE SAINT-PETERSBURG UNIVERSITY OF THE MINISTRY OF INTERNAL AFFAIRS OF RUSSIA
№ 1
, 2024
Rubrics: CURRENT PROBLEMS OF CRIMINOLOGY
Authors:
1.
Kaliningrad, Kalinigrad, Russian Federation
2.
Volgogradskaya akademiya MVD RF
Type:
Article
Pages:
from
to
Status:
Published
Received:
01.03.2024
Accepted:
01.03.2024
Published:
05.04.2024
Language:
Russian
Keywords:
loan, loan, ban, bank, citizens' right
Abstract (English):
Introduction: The article analyzes the legislative framework and scientific approaches to the establishment of self-restriction of citizens to obtain loans and loans in financial organizations. The increase in the number of frauds related to encouraging citizens to obtain loans and the subsequent transfer of funds to criminals has necessitated the development and implementation of mechanisms to protect potential victims from illegal actions by intruders. The current financial security measures are not convenient enough for consumers. The measures established by the new legislative initiatives are easier to use for citizens, but require certain efforts from financial structures to reorganize their activities. Methods: when writing the article, various methods of cognition were used: dialectical, statistical, method of analysis, study of documents. The material of the study was practical examples, regulatory legal acts, statistical information, as well as scientific works by authors studying the problems of self-registration for the issuance of loans and loans to citizens. Results: The main reason for victimized behavior of citizens in the financial sector is the discrepancy between the level of technology development in obtaining loans and the level of protection of potential victims from the actions of fraudsters. New opportunities for remote servicing and decision-making by credit institutions should be provided with security mechanisms. Otherwise, consumers become vulnerable to the criminal aspirations of criminals.
Introduction: The article analyzes the legislative framework and scientific approaches to the establishment of self-restriction of citizens to obtain loans and loans in financial organizations. The increase in the number of frauds related to encouraging citizens to obtain loans and the subsequent transfer of funds to criminals has necessitated the development and implementation of mechanisms to protect potential victims from illegal actions by intruders. The current financial security measures are not convenient enough for consumers. The measures established by the new legislative initiatives are easier to use for citizens, but require certain efforts from financial structures to reorganize their activities. Methods: when writing the article, various methods of cognition were used: dialectical, statistical, method of analysis, study of documents. The material of the study was practical examples, regulatory legal acts, statistical information, as well as scientific works by authors studying the problems of self-registration for the issuance of loans and loans to citizens. Results: The main reason for victimized behavior of citizens in the financial sector is the discrepancy between the level of technology development in obtaining loans and the level of protection of potential victims from the actions of fraudsters. New opportunities for remote servicing and decision-making by credit institutions should be provided with security mechanisms. Otherwise, consumers become vulnerable to the criminal aspirations of criminals.
Keywords:
loan, loan, ban, bank, citizens' right
loan, loan, ban, bank, citizens' right
