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Credit agreement
Pešková, Monika ; Štenglová, Ivanka (advisor) ; Liška, Petr (referee)
- credit agreement Presented thesis deals with the credit agreement, risks related with this type of contract and legislation of this institute in selected Member States of the European Union. The credit agreements are concluded between the lender and the debtor. Through the credit agreement, the lender agrees to provide to debtor at his request and for his benefit funds to a certain amount, and the debtor agrees to return the funds back and pay interest. The credit agreements can be concluded between different types of subjects. In this case, attention was focused on a special type of credit agreement which is concluded between a consumer and a businessman. For the consumer credit market is typical an asymmetry of information, when subjects on one side of the market have better information than subjects on the other side. In this context, consumers are seen as weaker entities to which must be provided increased protection in legal relationships. In the EU consumer protection receive considerable attention. Union promotes consumer primarily through secondary sources of law - Directives (Directive 2011/83/EU of the European Parliament and of the Council of 25 October 2011 on consumer rights, Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts., Directive 2008/48/EC of...
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