Legal characteristics of a social credit as a form of social protection of citizens in Ukraine have been investigated in this article. Characteristics argued in the article are the following:1 comprehensive legislative determination of legal grounds for its extension extension of a credit is performed under the credit agreement; however, conditions, grounds and procedures of extension are adjusted by legislative regulations and cannot be changed in the contractual form by the agreement between the parties;2 non-contractual, only a legislative list of social and empowered subjects who are able to receive social lax crediting conditions of acquisition and content of their judicial personality are provided by the legislation;3 a targeted character of extension of funds use of a credit involves the investment of loanable funds for the specific purpose determined by the credit agreement within the limits prescribed by the legislation; end use of funds is acquisition or gaining a socially relevant service or thing that is important for the person’s vital activity in the sphere of social protection;4 temporary, mainly permanent, use of the accommodated funds the period of using a social credit depends on the object of purchase, acquisition or gaining of which the funds should be directed at;5 use of the gained funds should be paid a credit has to be repaid by a debtor to a creditor at the fixed date determined in the credit agreement with a loan charge; sociality is much less evident comparatively to various types of bank credit interests;6 laxity of a credit it is reflected in the procedure of determining a credit, terms of repayment, possibilities of reducing credit interests, possibilities of a person’s exemption from credit interests payment;7 a cashless credit form such crediting is performed by means of transferring payments to an appropriate organization or enterprise, which provide gaining of appropriate services or things by a person;8 an exhaustive list of socially obligated subjects of extension and repayment of a social credit. The social character is provided by the combination of solidary state or municipal and individual personal social responsibility in the process of social credit payment.The social credit has been determined in the article as a form of the credit given to a person by a bank, an authorized fund or other subject in cases prescribed by the legislation on lax conditions as a noncash loan involving state agencies or local governments for purchasing or gaining a socially relevant service or thing important for the person’s vital activity and is obliged to be returned in terms and in order stipulated by the legislation with credit interests.
Apr 21, 2021
Feb 12, 2021
|Socìal′ne( pìl′gove) kredituvannâ âk vid socìal′nogo zahistu gromadân v Ukraїnì||Apr 21, 2021|
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