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The Specific Of The Consumer’S European Right Of Bank Credit

Author

Listed:
  • Mariana Rodica ȚÎRLEA

    (Dimitrie Cantemir Christian University Bucharest, Faculty of Economic Sciences Cluj-Napoca)

Abstract

According to Directive 93/13 / EEC on unfair terms in consumer contracts, "legislation of Member States on unfair terms in contracts concluded with consumers show significant divergences” (Official Journal of the European Union 31993L0013 - L 095/29). Therefore, the solution to eliminate these differences of balance in bank lending contracts requires promptly a consumer protection against unfair terms by adopting uniform rules of European law concerning unfair clauses. With this protection is desired that this would be subject to all contracts concluded between sellers or suppliers and consumers, to be harmonized at Community level or adopted directly at Community level, to be provided both in the laws, regulations and administrative nature acts, because to the Member States of the European community falls the responsibility to ensure that in contracts concluded with consumers there are not provided unfair clauses.

Suggested Citation

  • Mariana Rodica ȚÎRLEA, 2015. "The Specific Of The Consumer’S European Right Of Bank Credit," Management Intercultural, Romanian Foundation for Business Intelligence, Editorial Department, issue 33, pages 139-143, April.
    • Handle: RePEc:cmj:interc:y:2015:i:33:p:139-143
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    More about this item

    Keywords

    Consumer; Professional; Bank credit agreement; Unfair terms; European consumer law; Protection of Community harmonization;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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