Financial and Legal Policy Priorities in the Strategic Documents by the Central Bank of the Russian Federation (Bank of Russia) in the Sphere Of Russian Financial Market Digitalization Process

Pastushenko Elena Nikolaevna; Zemcova Larisa Nikolaevna; Macyupa Kseniya Vladimirovna

doi:doi:10.29039/conferencearticle_66c4727129d9e3.59040987

Financial and Legal Policy Priorities in the Strategic Documents by the Central Bank of the Russian Federation (Bank of Russia) in the Sphere Of Russian Financial Market Digitalization Process

Submit manuscript

To cite

FINANCIAL AND LEGAL POLICY PRIORITIES IN THE STRATEGIC DOCUMENTS BY THE CENTRAL BANK OF THE RUSSIAN FEDERATION (BANK OF RUSSIA) IN THE SPHERE OF RUSSIAN FINANCIAL MARKET DIGITALIZATION PROCESS

Section: GENERAL SECTION

Proceedings: ARTIFICIAL INTELLIGENCE, TRADITIONAL SPIRITUAL AND MORAL VALUES AND HUMAN RIGHTS IN THE ERA OF DIGITALIZATION

UDK 004.8 Искусственный интеллект

Pastushenko Elena Nikolaevna ¹

Zemcova Larisa Nikolaevna ²

Macyupa Kseniya Vladimirovna ³

Author and publication information

Authors:

1. Saratovskaya gosudarstvennaya yuridicheskaya akademiya (professor kafedry finansovogo, bankovskogo i tamozhennogo prava imeni professora Niny Ivanovny Himichevoy)

2. Povolzhskiy institut (filial) Vserossiyskogo gosudarstvennogo universiteta yusticii (RPA Minyusta Rossii) v g. Saratove (docent kafedry grazhdanskogo prava i processa)

3. Saratovskaya gosudarstvennaya yuridicheskaya akademiya (docent kafedry inostrannyh yazykov)

Type:

Сonference article

DOI:

https://doi.org/10.29039/conferencearticle_66c4727129d9e3.59040987

Published:

20.08.2024

Subject area:

UDK 004.8 Искусственный интеллект

Language:

Russian

Keywords:

legal acts of the Bank of Russia, spiritual, moral and legal values in the Russian financial market, digitalization in the financial market

Abstract and keywords

Abstract (English):
The article examines modern axiological aspects in the strategic planning acts of the Bank of Russia and other program legal acts issued by the Bank of Russia in the sphere of creating a trustworthy environment in the Russian financial market, increasing the efficiency of the system which protects the consumers rights of financial services and investors, increasing the accessibility of financial services for citizens and businesses, taking into account the digitalization of financial products, services, access channels to them, the development of digital financial services and society's requirements for financial security, cyber security, noticing the demand for further financial and legal education, the introduction of the legal foundations of financial culture, spiritual, moral and legal values in the activities of financial market participants (financial organizations), ensuring lawful behavior in the financial market, the regime of legality, preventing and suppressing unfair practices in the financial market, maintaining the proper level of law and order in financial relations — accordingly, developing forms and methods of interaction between the Bank of Russia and the Agency for deposit insurance, the Institute of the Financial Ombudsman, the Federal Antimonopoly Service (FAS), the Federal Service for Supervision of Consumer Rights Protection and Human Welfare (Rospotrebnadzor), and law enforcement agencies. The authors draw attention to the relevance of expanding the law-making, law enforcement, control and supervisory, legal interpretation powers of the Bank of Russia, including issues on Russian financial market digitalization, especially such legislative innovations as the concept of “self-bans on loans”.

Keywords:
legal acts of the Bank of Russia, spiritual, moral and legal values in the Russian financial market, digitalization in the financial market

References

1. Abramchik, L.Ya. Finansovoe pravo i upravlenie: vzaimodeystvie i vzaimozavisimosti — 2021 (obzor raboty finansovo-pravovoy sekcii «Byudzhet, kredit i gosudarstvennoe upravlenie: vzaimosvyazi, vzaimozavisimosti i vzaimodeystvie». 19 maya 2022 g. Moskva, IGSU RANHiGS pri Prezidente RF) [Tekst] / L. Ya. Abramchik, E. Yu. Kireeva, Yu. A. Kolesnikov, A. G. Paul', E. V. Chernikova, A. S. Yuhno, A. D. Selyukov, S. V. Kozlova, E. N.Pastushenko, L. N. Zemcova, I. O. Antropceva, A. E. Morozov, M. A. Davydova, S. A. Kazhlaev, I. A. Kiryushin // Sovremennoe pravo. — 2022. — № 5. — S. 156-166. DOI:https://doi.org/10.25799/NI.2022.36.31.026

2. Antonchenko, V. V. Problema cennostnogo podhoda v prave i aksiologiya pravoponimaniya / V. V. Antonchenko. Tekst : neposredstvennyy // Vestnik yuridicheskogo fakul'teta Yuzhnogo federal'nogo universiteta. — 2023. — T. 10, № 4. — S. 16-22. — DOI:https://doi.org/10.18522/2313-6138-2023-10-4-2.

3. Belousov, S A. Princip sorazmernosti i balans interesov v sisteme rossiyskogo zakonodatel'stva: obscheteoreticheskiy rakurs rassmotreniya problemy [Tekst] / S. A. Belousov // Pravovaya politika i pravovaya zhizn'. — 2021. — № 4 (86).– S. 38-42. DOI:https://doi.org/10.24412/1608-8794-2021-4-38-42.

4. Kolesnikov, Yu. A. Cifrovizaciya vlasti cherez cifrovizaciyu finansovyh mehanizmov [Tekst] / Yu. A. Kolesnikov, V. P. Gorodeckiy // Vestnik yuridicheskogo fakul'teta Yuzhnogo federal'nogo universiteta. — 2023. — T. 10, № 2. — S. 118-122. — DOI:https://doi.org/10.18522/2313-6138-2023-10-2-16.

5. Ob utverzhdenii Strategii razvitiya finansovogo rynka Rossiyskoy Federacii do 2030 goda [Elektronnyy resurs] : rasporyazhenie Pravitel'stva Rossiyskoy Federacii ot 29 dekabrya 2022 g. № 4355-r (opublikovano na oficial'nom portale pravovoy informacii www.pravo.gov.ru 31 dekabrya 2022 g.) // http://www.publication.pravo.gov.ru/Document/View/0001202212310037 (data obrascheniya: 04.03.2024)

6. O vnesenii izmeneniy v Ukaz Prezidenta Rossiyskoy Federacii ot 10 oktyabrya 2019 g. № 490 «O razvitii iskusstvennogo intellekta v Rossiyskoy Federacii» i v Nacional'nuyu strategiyu, utverzhdennuyu etim Ukazom : Ukaz Prezidenta Rossiyskoy Federacii ot 15 fevralya 2024 g. № 124 (data oficial'nogo opublikovaniya: 15.02.2024) // http://publication.pravo.gov.ru/document/0001202402150063 (data obrascheniya: 04.03.2024)

7. O vnesenii izmeneniy v Federal'nyy zakon «O kreditnyh istoriyah» i Federal'nyy zakon «O potrebitel'skom kredite (zayme)» : Federal'nyy zakon ot 26 fevralya 2024 g. № 31-FZ (data oficial'nogo opublikovaniya: 26.02.2024) // http://www.publication.pravo.gov.ru/document/0001202402260017?index=3 (data obrascheniya: 04.03.2024)

8. Ovchinnikov, A. I. Nacional'naya bezopasnost' i tradicionnye duhovno-nravstvennye cennosti: voprosy zakonodatel'nogo obespecheniya [Tekst] / A.I. Ovchinnikov // Vestnik Yuridicheskogo fakul'teta Yuzhnogo federal'nogo universiteta. — 2022. — T. 9, № 1. — S. 35-42. — DOI:https://doi.org/10.18522/2313-6138-2022-9-1-4.

9. O priznanii utrativshim silu Federal'nogo zakona «O restrukturizacii kreditnyh organizaciy» i otdel'nyh polozheniy zakonodatel'nyh aktov Rossiyskoy Federacii, a takzhe o poryadke likvidacii gosudarstvennoy korporacii «Agentstvo po restrukturizacii kreditnyh organizaciy» : Federal'nyy zakon ot 28 iyulya 2004 g. № 87-FZ // Sobranie zakonodatel'stva Rossiyskoy Federacii. 2004. № 31. St.3223.

10. O restrukturizacii kreditnyh organizaciy : Federal'nyy zakon ot 08 iyulya 1999 g. № 144-FZ (nyne utratil silu) // Sobranie zakonodatel'stva Rossiyskoy Federacii. 1999. № 28. St. 3477

11. Osnovnye napravleniya razvitiya finansovogo rynka Rossiyskoy Federacii na 2023 god i period 2024 i 2025 godov [Elektronnyy resurs] : podgotovleny Bankom Rossii, odobreny Sovetom direktorov Banka Rossii, predstavleny Bankom Rossii v Pravitel'stvo Rossiyskoy Federacii i Prezidentu Rossiyskoy Federacii, obsuzhdeny v Gosudarstvennoy Dume Federal'nogo Sobraniya Rossiyskoy Federacii. — Moskva, Bank Rossii, 2022. — 85 s. (razmescheny na oficial'nom sayte Banka Rossii www.cbr.ru 23 dekabrya 2022 g.) // https://cbr.ru/Content/Document/File/143773/onrfr_2023-25.pdf (data obrascheniya: 04.03.2024)

12. Osnovnye napravleniya razvitiya finansovogo rynka Rossiyskoy Federacii na 2024 god i period 2025 i 2026 godov [Elektronnyy resurs] : podgotovleny Bankom Rossii, odobreny Sovetom direktorov Banka Rossii, predstavleny Bankom Rossii v Pravitel'stvo Rossiyskoy Federacii i Prezidentu Rossiyskoy Federacii, obsuzhdeny v Gosudarstvennoy Dume Federal'nogo Sobraniya Rossiyskoy Federacii. — Moskva, Bank Rossii, 2023. — 93 s. (razmescheny na oficial'nom sayte Banka Rossii www.cbr.ru 28 dekabrya 2023 g.) // https://cbr.ru/Content/Document/File/155957/onrfr_2024-26.pdf (data obrascheniya: 04.03.2024)

13. Pastushenko, E.N. Znachenie pravovyh aktov Central'nogo banka Rossiyskoy Federacii dlya formirovaniya kachestvennoy pravovoy sredy v sfere bankovskogo kredita [Tekst] / E. N. Pastushenko, L. N. Zemcova // «Gosudarstvennoe upravlenie i razvitie Rossii: global'nye trendy i nacional'nye perspektivy» : Sbornik statey mezhdunarodnoy konferenc-sessii. Tom 2. — M.: Izdatel'skiy dom «NAUChNAYa BIBLIOTEKA», 2023. S. 509-517. https://drive.google.com/file/d/1vB4S8KD13KVfWCThl9bl9Ymt5gTSeiFu/view ; https://www.elibrary.ru/item.asp?id=54258665

14. Pastushenko, E. N. Sovremennye aksiologicheskie aspekty pravotvorchestva Central'nogo banka Rossiyskoy Federacii (Banka Rossii) kak sub'ekta finansovogo prava v oblasti nacional'noy bezopasnosti : aktual'nye problemy teorii i praktiki publichnogo bankovskogo prava, publichnogo denezhnogo prava, publichnogo prava finansovogo rynka [Tekst] / E.N. Pastushenko, L. N. Zemcova // Razvitie yuridicheskoy nauki v novyh usloviyah: edinstvo teorii i praktiki : sbornik dokladov po materialam Mezhdunarodnoy nauchno-prakticheskoy konferencii / otv. red. I.P. Zinov'ev ; Yuzhnyy federal'nyy universitet. — Rostov-na-Donu ; Taganrog : Izdatel'stvo Yuzhnogo federal'nogo universiteta, 2023. S. 458-461. — 491 s. ISBN 978-5-9275-4498-1.

15. Podhody k regulirovaniyu distancionnyh prodazh finansovyh produktov i uslug: doklad Banka Rossii [Elektronnyy resurs] : Informaciya Banka Rossii, razmeschena na oficial'nom sayte Banka Rossii 13.11.2023 // https://cbr.ru/press/event/?id=17189 (data obrascheniya: 04.03.2024)

16. Podhody k regulirovaniyu distancionnyh kanalov prodazh v celyah zaschity prav potrebiteley finansovyh uslug (potrebitel'skie kredity (zaymy) i vklady) [Elektronnyy resurs]: Doklad Banka Rossii dlya obschestvennyh konsul'taciy (podgotovlen Sluzhboy po zaschite prav potrebiteley i obespecheniyu dostupnosti finansovyh uslug Banka Rossii). — Moskva, 2023 — 78 s., (razmeschen na oficial'nom sayte Banka Rossii 13.11.2023) // https://cbr.ru/Content/Document/File/156122/Consultation_Paper_13112023.pdf (data obrascheniya: 04.03.2024)

17. Popov, V. I. Rol' prava v obespechenii kommunikativnyh praktik gosudarstva i grazhdanskogo obschestva v kontekste socioaksiologicheskogo podhoda k pravoponimaniyu [Tekst] / V. I. Popov // Vestnik Yuridicheskogo fakul'teta Yuzhnogo federal'nogo universiteta. — 2022. — T. 9, № 1. — S. 43-50. — DOI:https://doi.org/10.18522/2313-6138-2022-9-1-5.

18. Poslanie Prezidenta Rossiyskoy Federacii Federal'nomu Sobraniyu Rossiyskoy Federacii 29 fevralya 2024 g. // http://kremlin.ru/events/president/transcripts/73585 (data obrascheniya: 29.02.2024)

19. Primenenie iskusstvennogo intellekta na finansovom rynke. Doklad Banka Rossii dlya obschestvennyh konsul'taciy [Elektronnyy resurs] — Moskva, 2023 — 52 s. (nastoyaschiy konsul'tativnyy doklad Banka Rossii podgotovlen sovmestno Departamentom finansovyh tehnologiy Banka Rossii i Departamentom strategicheskogo razvitiya finansovogo rynka Banka Rossii) // https://cbr.ru/Content/Document/File/156061/Consultation_Paper_03112023.pdf (data obrascheniya: 04.03.2024)

20. Senyakin, I. N. Specializaciya i unifikaciya rossiyskogo zakonodatel'stva — osnovnye formy obespecheniya ego sbalansirovannosti [Tekst] / I. N. Senyakin // Zakonodatel'nyy disbalans: monografiya / pod red. I.N. Senyakina. — Saratov: Izd-vo Sarat. gos. yurid. akad., 2013. — S. 88-144.

21. Sostoyalas' mezhdunarodnaya konferenciya «Istoriya uspeha: 20 let rossiyskoy sisteme strahovaniya vkladov» : Moskva, 31 yanvarya — 1 fevralya 2024 g. [Elektronnyy resurs] : Informaciya Gosudarstvennoy korporacii «Agentstvo po strahovaniyu vkladov» — organizatora konferencii, razmeschena na oficial'nom sayte GK ASV 02.02.2024) // https://www.asv.org.ru/news/893722 (data obrascheniya: 04.03.2024)

22. Surmeneva, E. A. Kriterii effektivnosti sposobov zaschity prav potrebiteley finansovyh uslug [Tekst] // Vestnik Saratovskoy gosudarstvennoy yuridicheskoy akademii. — 2023. — № (153). — S. 278-284. — DOI:https://doi.org/10.24412/2227-7315-2023-4-278-284.

23. Tropskaya, S. S. Publichnyy finansovyy kontrol' na finansovom rynke: osobennosti i perspektivy razvitiya // Gosudarstvo i pravo. — 2023. — № 4. — S. 186-191. — DOIhttps://doi.org/10.31857/S102694520024822-5.

24. Trofimov, V. V. O dual'noy suschnosti prava (s pozicii konstatacii dvuedinstva obschesocial'nogo i special'no-yuridicheskogo v pravoobrazovanii [Tekst] / V. V. Trofimov // Suschnost' prava : sbornik statey k 100-letiyu so dnya rozhdeniya professora M.I. Baytina / [pod red. V.M. Baranova, S.A. Belousova, I.N. Senyakina] ; Saratovskaya gosudarstvennaya yuridicheskaya akademiya. — Saratov : Izd-vo Sarat. gos. yurid. akad., 2022. — S. 260-277. — 312 s. ISBN 978-5-7924-1835-6

25. Himicheva, N. I. Principy rossiyskogo finansovogo prava kak bazisnye principy bankovskoy deyatel'nosti [Tekst] / N. I. Himicheva, E. V. Pokachalova // Bankovskoe pravo. — 2013. — № 6. — S. 8-18.

Submit manuscript

To cite

Citations:

Confirmation

Регистрация