Assignment of Rights (Claims)Under a Loan Agreement

The relevance of the topic presented final qualifying work due to several circumstances. The consequence of an unstable global and local economy presents difficulties in servicing previously attracted loans from borrowers. In such cases, banks are forced to create reserves for problem loans, which adversely affect the financial stability (standards) of the bank. Quite often, the work of the bank with problem loans (borrowers) does not bring the desired results. In these cases, the bank may decide to write off the loan debt from the reserves (without receiving any income) or assign the right (claims) to a third party under the assignment agreement. In modern civil law of Russia, the study of the main problems of the assignment of rights (claims) gives the right to conclude that modern civil circulation is relevant, requires the elimination of various barriers and barriers for the increasingly active use of assignment. Chronic defaults, huge mutual indebtedness of business participants could be minimized if the assignment not only took its rightful place in the system of Russian civil law, but also found full support from law enforcement agencies. The object that is represented in the work is a complex of civil relations, which is formed in relation to the assignment of rights (claims) under the loan agreement. Part of the subject of work is: norms of legislative and other regulatory acts civil law doctrine materials of judicial practice in cases of the assignment of rights (claims) under the loan agreement. Thus, the main purpose of the work is a comprehensive study of the institution of the assignment of rights (claims) under a loan agreement in Russia.