The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits
Descripción del Articulo
The present article deals with interest payment and its link with the consumption credits users guidance in Peru. Peruvian legislation regulates different legal regimes, for people outside the financial system, establishing limits in the interest agreement and also for the National System Enterprise...
| Autor: | |
|---|---|
| Formato: | artículo |
| Fecha de Publicación: | 2016 |
| Institución: | Corte Suprema de Justicia de la República del Perú |
| Repositorio: | Revistas - Corte Suprema de Justicia de la República del Perú |
| Lenguaje: | español |
| OAI Identifier: | oai:revistas.pj.gob.pe:article/239 |
| Enlace del recurso: | https://revistas.pj.gob.pe/revista/index.php/ropj/article/view/239 |
| Nivel de acceso: | acceso abierto |
| Materia: | interest payment interest rate interest consumption credit financial market pago de intereses tasas de interés interés créditos de consumo mercado financiero |
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The payment of interest in the financial system and the affection of the legal regulation of users of consumer creditsEl pago de interés en el sistema financiero y la afectación a la tutela jurídica de usuarios de créditos de consumoMendoza García, Carlos Esmithinterest paymentinterest rateinterestconsumption creditfinancial marketpago de interesestasas de interésinteréscréditos de consumomercado financieroThe present article deals with interest payment and its link with the consumption credits users guidance in Peru. Peruvian legislation regulates different legal regimes, for people outside the financial system, establishing limits in the interest agreement and also for the National System Enterprises that have a preferential treatment, as they are empowered to negotiate interests without being subject to maximum top amounts. This last regulatory regime is in disagreement with the consumption credits users protection because they don't take into account the evident disadvantages in which are such users; the regimen mentioned above leads to excessive interest rates, generating imbalance in the benefits derived from the contracts and the legitimization of the bad faith in the financial system commercial practices. El presente artículo trata sobre el pago de intereses y su vinculación con la tutela de usuarios de créditos de consumo en Perú. La legislación peruana regula regímenes legales diferentes tanto para personas ajenas al sistema financiero, a las cuales establece límites en el pacto de intereses, como para las empresas del Sistema Financiero Nacional, las que gozan de un tratamiento preferente, al estar facultadas para pactar intereses sin someterse a topes máximos. Este último régimen normativo no se condice con la tutela jurídica de los usuarios de los créditos de consumo, al no tomar en cuenta las evidentes asimetrías económicas, de información y de negociación existentes en el mercado financiero, que genera que los usuarios se encuentren en evidente desventaja frente a las empresas del Sistema Financiero, lo cual conlleva a la existencia de tasas de intereses excesivas, generando desequilibrio en las prestaciones derivadas de estos contratos y legitimando, de este modo, la mala fe en las prácticas comerciales del sistema financiero.Poder Judicial del Perú2016-06-06info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://revistas.pj.gob.pe/revista/index.php/ropj/article/view/23910.35292/ropj.v8i10.239Revista Oficial del Poder Judicial; Vol 8 No 10 (2016); 273-303Revista Oficial del Poder Judicial; Vol. 8 Núm. 10 (2016); 273-303Revista Oficial del Poder Judicial; v. 8 n. 10 (2016); 273-3032663-91301997-668210.35292/ropj.v8i10reponame:Revistas - Corte Suprema de Justicia de la República del Perúinstname:Corte Suprema de Justicia de la República del Perúinstacron:CSJspahttps://revistas.pj.gob.pe/revista/index.php/ropj/article/view/239/294Derechos de autor 2016 Carlos Esmith Mendoza Garcíahttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessoai:revistas.pj.gob.pe:article/2392023-05-11T16:35:40Z |
| dc.title.none.fl_str_mv |
The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits El pago de interés en el sistema financiero y la afectación a la tutela jurídica de usuarios de créditos de consumo |
| title |
The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits |
| spellingShingle |
The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits Mendoza García, Carlos Esmith interest payment interest rate interest consumption credit financial market pago de intereses tasas de interés interés créditos de consumo mercado financiero |
| title_short |
The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits |
| title_full |
The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits |
| title_fullStr |
The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits |
| title_full_unstemmed |
The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits |
| title_sort |
The payment of interest in the financial system and the affection of the legal regulation of users of consumer credits |
| dc.creator.none.fl_str_mv |
Mendoza García, Carlos Esmith |
| author |
Mendoza García, Carlos Esmith |
| author_facet |
Mendoza García, Carlos Esmith |
| author_role |
author |
| dc.subject.none.fl_str_mv |
interest payment interest rate interest consumption credit financial market pago de intereses tasas de interés interés créditos de consumo mercado financiero |
| topic |
interest payment interest rate interest consumption credit financial market pago de intereses tasas de interés interés créditos de consumo mercado financiero |
| description |
The present article deals with interest payment and its link with the consumption credits users guidance in Peru. Peruvian legislation regulates different legal regimes, for people outside the financial system, establishing limits in the interest agreement and also for the National System Enterprises that have a preferential treatment, as they are empowered to negotiate interests without being subject to maximum top amounts. This last regulatory regime is in disagreement with the consumption credits users protection because they don't take into account the evident disadvantages in which are such users; the regimen mentioned above leads to excessive interest rates, generating imbalance in the benefits derived from the contracts and the legitimization of the bad faith in the financial system commercial practices. |
| publishDate |
2016 |
| dc.date.none.fl_str_mv |
2016-06-06 |
| dc.type.none.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
| format |
article |
| status_str |
publishedVersion |
| dc.identifier.none.fl_str_mv |
https://revistas.pj.gob.pe/revista/index.php/ropj/article/view/239 10.35292/ropj.v8i10.239 |
| url |
https://revistas.pj.gob.pe/revista/index.php/ropj/article/view/239 |
| identifier_str_mv |
10.35292/ropj.v8i10.239 |
| dc.language.none.fl_str_mv |
spa |
| language |
spa |
| dc.relation.none.fl_str_mv |
https://revistas.pj.gob.pe/revista/index.php/ropj/article/view/239/294 |
| dc.rights.none.fl_str_mv |
Derechos de autor 2016 Carlos Esmith Mendoza García https://creativecommons.org/licenses/by/4.0 info:eu-repo/semantics/openAccess |
| rights_invalid_str_mv |
Derechos de autor 2016 Carlos Esmith Mendoza García https://creativecommons.org/licenses/by/4.0 |
| eu_rights_str_mv |
openAccess |
| dc.format.none.fl_str_mv |
application/pdf |
| dc.publisher.none.fl_str_mv |
Poder Judicial del Perú |
| publisher.none.fl_str_mv |
Poder Judicial del Perú |
| dc.source.none.fl_str_mv |
Revista Oficial del Poder Judicial; Vol 8 No 10 (2016); 273-303 Revista Oficial del Poder Judicial; Vol. 8 Núm. 10 (2016); 273-303 Revista Oficial del Poder Judicial; v. 8 n. 10 (2016); 273-303 2663-9130 1997-6682 10.35292/ropj.v8i10 reponame:Revistas - Corte Suprema de Justicia de la República del Perú instname:Corte Suprema de Justicia de la República del Perú instacron:CSJ |
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Corte Suprema de Justicia de la República del Perú |
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CSJ |
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CSJ |
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Revistas - Corte Suprema de Justicia de la República del Perú |
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Revistas - Corte Suprema de Justicia de la República del Perú |
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13.10263 |
Nota importante:
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
La información contenida en este registro es de entera responsabilidad de la institución que gestiona el repositorio institucional donde esta contenido este documento o set de datos. El CONCYTEC no se hace responsable por los contenidos (publicaciones y/o datos) accesibles a través del Repositorio Nacional Digital de Ciencia, Tecnología e Innovación de Acceso Abierto (ALICIA).
