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Wyświetlanie 1-4 z 4
Tytuł:
Kierunki zmian ochrony konsumenta usług finansowych w Unii Europejskiej
Autorzy:
Cyman, Damian
Powiązania:
https://bibliotekanauki.pl/articles/610723.pdf
Data publikacji:
2016
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
consumer protection
financial market
financial services
financial supervision
ochrona konsumenta
rynek finansowy
usługi finansowe
nadzór finansowy
Opis:
The consumer as an active participant in the financial market, plays an important role in it. The establishment of appropriate rules to protect his rights is necessary to maintain the stability of the market. The current regulatory framework and institutional protection of consumers of financial services, based on the obligation to adequately inform him about the conditions of their contract, have proved inadequate. Creation of a complete system of consumer protection in financial services should involve three groups of participants: consumers , financial institutions and public authorities, including financial supervision. This would help not only to increase the level of consumer protection in complicated financial market, but raise the stability of the entire financial sector.
Konsument jako aktywny uczestnik rynku finansowego odgrywa w nim istotną rolę. Ustanowienie właściwych zasad jego ochrony jest niezbędne dla utrzymania stabilności tego rynku. Obecne ramy regulacyjno-instytucjonalne ochrony konsumentów usług finansowych, opierające się na paradygmacie informowania go o warunkach zawieranej umowy, okazały się niewystarczające. W kształtowaniu pełnego systemu ochrony konsumentów usług finansowych powinny brać udział trzy grupy podmiotów: konsumenci, instytucje finansowe oraz organy administracji publicznej, w tym nadzoru finansowego. Przyczyni się to nie tylko do zwiększenia stopnia ochrony konsumentów na skomplikowanym rynku finansowym, ale też podniesie stabilność całego sektora finansowego.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2016, 50, 4
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Customer as a Subject of Protection on the Financial Market in European Union
Autorzy:
Cyman, Damian
Powiązania:
https://bibliotekanauki.pl/articles/2091840.pdf
Data publikacji:
2021-10-28
Wydawca:
Uniwersytet Gdański. Centrum Prawa Samorządowego i Prawa Finansów Lokalnych
Tematy:
Financial market
consumer protection
financial stability
financial services
financial crises
Opis:
The crisis begun in 2007 exposed the weakness of the existing regulations, revealing challenges for legislators all over the world. Financial stability started to be understood as an essential value for the proper operation of the financial market. It has become important to address the question as to how to protect financial markets from more crises, or at least alleviate their effects. The idea of supervision of a financial market has undergone thorough transformation. Particular emphasis has been placed on protecting buyers of financial services. Adequate customer protection has been recognized as a sign of trust in the market and its stability and has gained systemic importance and relevance for the European financial system. There is a growing tendency to enlarge the group of subjects eligible for special protection. it is becoming an increasingly common idea that not only consumers but all non-professional customers should be protected. The idea is becoming widespread that the weaker party to a legal transaction can be not only a consumer [natural person] but also a non-professional market entity. Such a solution is certainly appropriate. Narrowing down the ‘consumer’ to a natural person may seem artificial and out of line with market realities, not to mention the serious consequences of bad financial decisions taken by non- professional financial market participants. Another important challenge facing the modern financial market is to establish a system of institutional safeguards to ensure security for all market entities and to enforce fair play rules. However, even the best provisions of substantive law, though necessary, may prove to fall short. Therefore, there is a pressing need for strong and competent both state and international institutions duly equipped with auditing and supervisory powers to deal with the present situation. They should also have the possibility of enforcing substantive laws in a way that allows for flexible responses to any emerging threat to the protected values. The shift towards a regulatory and supervisory method of protection sets a more serious tone for the supervision model adopted for the financial market. In it, the market is responsible not only for ensuring that the supervised entities operate correctly, but also for the quality of services that they provide.
Źródło:
Financial Law Review; 2021, 24, 4; 43-54
2299-6834
Pojawia się w:
Financial Law Review
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Alternative dispute resolution mechanism in the area of financial services in European Union
Autorzy:
Cyman, Damian
Powiązania:
https://bibliotekanauki.pl/articles/643576.pdf
Data publikacji:
2017-02-23
Wydawca:
Uniwersytet Gdański. Centrum Prawa Samorządowego i Prawa Finansów Lokalnych
Opis:
The development of a single European market in retail financial services has resulted in a growing awareness within the European Union of the importance of efficient alternative dispute resolution mechanisms for consumers. The purpose of this document is to analyze existing Alternative Dispute Resolution Mechanisms in the area of financial service in European Union, including European and Polish regulations. Author described characteristic of Alternative Dispute Resolution (ADR), initiatives taken by European Union aiming to ensure the right level of consumer protection and both existing and proposed regulations. The article addresses the issue of ADR bodies in the Member States and Financial Services Complaints Network (FIN-NET). Research carried out in the article made it possible to present proposals in conclusions.
Źródło:
Financial Law Review; 2017, 2, 1; 18-32
2299-6834
Pojawia się w:
Financial Law Review
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Public interest as a determinant of state influence on the financial market in the European Union
Autorzy:
Cyman, Damian
Powiązania:
https://bibliotekanauki.pl/articles/48899380.pdf
Data publikacji:
2023-09-30
Wydawca:
Uniwersytet Warszawski. Wydawnictwa Uniwersytetu Warszawskiego
Tematy:
financial market
consumer protection
FinTech
behavioral economy
financial stability
financial education
Opis:
The article discusses the issue of the influence of public interest on the regulation of the financial market. The basic challenges for regulators associated with the dynamic development of this market are presented. Anew regulatory paradigm aimed at introducing and implementing values necessary for the proper functioning of the financial market is discussed. The need to protect non-professional participants of this market is emphasized in particular. A new approach to the consumer model is taken into account where the rational consumer has become more susceptible to emotions and irrational behaviors. The special role of financial market stability is highlighted, which has become a kind of public good that is subject to special protection. The way in which public interest materializes in financial market regulations, not only in statutory law but also in soft law norms, is also discussed.
Źródło:
Studia Iuridica; 2023, 98; 51-62
0137-4346
Pojawia się w:
Studia Iuridica
Dostawca treści:
Biblioteka Nauki
Artykuł
    Wyświetlanie 1-4 z 4

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