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2016, br. 3-4, str. 138-144
The problem of currency-indexed loans: Case of 'CHF'
(naslov ne postoji na srpskom)
aFaculty of Business Economics and Entrepreneurship, Belgrade
bUniverzitet 'Union - Nikola Tesla', Fakultet za poslovne studije i pravo - FPSP, Beograd

e-adresaana.galjak@gmail.com
Ključne reči: Currency indexation; CHF; Serbia; Overindebtedness; Contract; Loan
Sažetak
(ne postoji na srpskom)
Currency indexation entered the legal system of Serbia by changes of the Law of Contract and Torts in 1993 due to great economic movements and inflationary pressures. Law permitted contracting of loans in which the obligation can be tied to a foreign currency, so that the payment is done on the day according to the parity of that currency with the national currency. This form of currency indexation has a protective character, it should maintain the real value and equality of mutual giving between the contracting parties, but today, in case of 'CHF' it has become usurious and it seriously compromises the equivalent of mutual giving in the contract. In this paper the authors provide the analysis of creation and basic characteristics of problems of loans in CHF and based on the conducted research, suggest actual measures for overcoming the problems of more than 20 000 citizens of Serbia.
Reference
*** Law of contract and torts. Official Gazette of SFRY, no.29/78, 39/78, 39/85, 45/89 and 57/89 and Official Gazette of SRY, no.31/93
*** Law on foreign exchange operations. Official Gazette of RS, no. 62/2006, 31/2011, 119/2012 and 139/2014, article. 2 and 34
*** (2015) The verdict and the ruling of the Supreme court of the Republic of Croatia in case Franc dated 14.05.2015. Revt 249/14-2
Brkić, M. (2005) Igra valuta i kamata. Time, 22. September 2005; available at: http://www.vreme.com/cms/view.php?id=428372
Jones, E. (2005) The Foreign Currency Loan Experience in 1980s Australia with particular reference to the Commonwealth Bank of Australia: bank documents, bank culture, and foreign currency loan litigation, Discipline of Political Economy. Sidney
Opačić, A., Pilčević, A. (2016) Currency clause CHF as regional phenomenon in the context of euro integrations. u: Mićović Miodrag [ur.] Services and user protection, International scientific gathering, 8th May 2016, Faculty of Law, Kagujevac, proceedings, p. 303-324
Opačić, A. (2015) Protection of users of financial services in the context of harmonization with EU law. u: International scientific gathering XI counselling, May, Kragujevac, Proceedings, p. 317-333
Opačić, A. (2016) The situation of users of financial services and currency clause that protects the interest of banks. Selection of court practice: professional and informative magazine, 24, no. 3, p. 5-10
Zipovski, Lj., Kvrgić, G., Vujadin, N. (2013) Credit activities of commercial banks in Serbia: causes and consequences. International Review, No. 3-4
 

O članku

jezik rada: engleski
vrsta rada: pregledni članak
DOI: 10.5937/intrev1604138O
objavljen u SCIndeksu: 13.01.2017.
Creative Commons License 4.0

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