OBSTACLES FOR RETAIL LENDING MARKET EFFECTIVE FUNCTIONING

To date, the relationship between the borrower and the bank are built on the basis of the general rules of the Russian civil and banking legislation, as well as consumer protection legislation. The main normative acts in this area are the Civil Code, the Law "On banks and banking activity" and the Law "On Protection of Consumer Rights." However, despite this, there are now a number of obstacles to physical lending market effective functioning of individuals that can be dismantled with 3 positions: a bank, a client state