In the legal science and in public life, attention is growing to the emerging problems in
the sphere of consumer lending. At the same time, the changes occurring in the country during
the formation of a market economy have revealed the need for a review of the legal regulation
of credit relations, since the ongoing modernization of civil legislation regulating consumer
crediting in one way or another does not ensure the elimination of existing contradictions, as
evidenced by judicial practice.
In turn, the contract of consumer credit (loan) is a complex legal tool, since it involves
two or more subjects that pursue different socio-economic goals. The purpose of the borrower
is to receive funds, the purpose of the lender is to make a profit. On the one hand, the existence
of such a goal of the creditor, as a systematic extraction of profits, suggests the idea of the
entrepreneurial nature of the treaties in question.
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