title: Legal content of fraud in the field of consumer lending. Part one
metadata.name: dc.contributor.author
metadata.value: Pyatov, Mikhail L.
metadata.lang: -
metadata.name: dc.contributor.author
metadata.value: Kovalev, Vitaliy V.
metadata.lang: -
metadata.name: dc.contributor.author
metadata.value: Tatarenko, Tamara G.
metadata.lang: -
metadata.name: dc.date.accessioned
metadata.value: 2024-08-26T21:12:58Z
metadata.lang: -
metadata.name: dc.date.available
metadata.value: 2024-08-26T21:12:58Z
metadata.lang: -
metadata.name: dc.date.issued
metadata.value: 2024-06
metadata.lang: -
metadata.name: dc.identifier.citation
metadata.value: Pyatov, Mikhail L., Vitaliy V. Kovalev, Tamara G. Tatarenko. 2024. “Legal content of fraud in the field of consumer lending. Part one”. Vestnik of Saint Petersburg University. Law 2: 335– 353. https://doi.org/10.21638/spbu14.2024.202 (In Russian)
metadata.lang: en_GB
metadata.name: dc.identifier.other
metadata.value: https://doi.org/10.21638/spbu14.2024.202
metadata.lang: -
metadata.name: dc.identifier.uri
metadata.value: http://hdl.handle.net/11701/47311
metadata.lang: -
metadata.name: dc.description.abstract
metadata.value: The article shows the scale of development in recent years of the practice of fraud in the field
  of consumer lending using the latest information technologies and methods of psychological
  influence on crime victims as a threat to the stability of financial markets. The dynamics
  of modern crime schemes in the field of consumer lending, aimed at using misleading citizens
  as an instrument to steal funds from banks, are examined. The practice of preliminary investigation that has developed in recent years in Russia, as well as judicial practice on the
  qualification of fraud in this area, is characterized. It is shown that the widespread unjustified
  recognition as victims in cases of fraud in the field of lending only of misled citizens who
  become instruments of theft of bank funds violates their constitutional rights and at the same
  time is a significant factor in the catastrophic development of this type of criminal activity.
  The economic basis of the position of banks is revealed, actively insisting on recognizing
  citizens who have suffered from fraud as borrowers who have consciously entered into a loan
  agreement, which consists of ensuring the opportunity to shift corporate risks of losses from
  material damage caused to banks by fraudsters to the injured citizens. Based on the conceptual
  foundations of criminal law and the provisions of the current criminal legislation, a rationale
  is proposed for recognizing two groups of persons as victims as a result of fraud in the field
  of consumer lending: banks — as bearing material damage from the theft of funds from them
  and citizens — as suffering moral damage, becoming instrument for committing a crime. The
  role of citizens deceived by scammers as an instrument for stealing funds from banks, which
  determines the flaw of their will, is determined and revealed.
metadata.lang: en_GB
metadata.name: dc.language.iso
metadata.value: ru
metadata.lang: en_GB
metadata.name: dc.publisher
metadata.value: St Petersburg State University
metadata.lang: en_GB
metadata.name: dc.relation.ispartofseries
metadata.value: Vestnik of St Petersburg University. Law;Volume 15; Issue 2
metadata.lang: -
metadata.name: dc.subject
metadata.value: fraud
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: credit
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: property damage
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: moral damage
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: constitution
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: bank
metadata.lang: en_GB
metadata.name: dc.subject
metadata.value: unity of court
metadata.lang: en_GB
metadata.name: dc.title
metadata.value: Legal content of fraud in the field of consumer lending. Part one
metadata.lang: en_GB
metadata.name: dc.type
metadata.value: Article
metadata.lang: en_GB
resources.filename: 335-353.pdf
resources.url: https://dspace.spbu.ru/bitstream/11701/47311/1/335-353.pdf
resources.format: Adobe PDF
resources.size: 714,61 kB