DOI: 10.25136/2409-7136.2023.5.40733

Abstract: The article is an analysis of the work of the Bank of Russia in the field of determining unfair behavior patterns in the financial market. The author examines the positions of the Bank of Russia and researchers on the identified signs of unfair actions in the behavior of financial market entities, and analyzes them. The article also examines the existing problems in this area and suggests ways to solve them. The research is relevant and can be useful for professionals in the field of financial regulation and for anyone interested in the security and stability of the financial market. In the article "Definition of unfair practices in the framework of the supervision of the Bank of Russia over the behavior of financial market entities." an analysis of opinions on the establishment of signs of unfair activity in the financial market was also carried out. The scientific novelty of the article lies in the fact that the authors conduct research and analysis of existing practices and scientific opinions on the signs of unfair practices that violate the rights of consumers of financial services. They pay attention to the problems associated with unfair practices. The authors propose a definition of unfair practices in the financial market. The authors analyze the signs of unfair behavior of financial market participants and offer new ideas and recommendations for effective detection and prevention of unfair practices. Their research contributes to the development of the field of consumer protection of financial services and can become the basis for further research and practical measures in this area.

DOI: 10.7256/2454-0706.2023.2.39772

Abstract: The subject of this study is the norms of Russian financial legislation and scientific sources containing information that allows to determine the legal nature (legal essence) of the Bank of Russia's activities on supervision of the behavior of participants in the financial market of the Russian Federation. The object of the study is the social relations that arise during the implementation of banking supervision and behavioral supervision of the Central Bank of the Russian Federation. The author examines in detail the concept of the legal nature of behavioral supervision of the Central Bank of the Russian Federation, establishes an analogy with the legal nature of banking supervision, and also analyzes the control and supervisory state activities. Particular attention is paid to the concepts of the phenomenon under study that have developed in science during the period of supervision by the Central Bank of the Russian Federation. The main conclusions of the study are generalizations of the prevailing views on the legal nature of behavioral supervision of the Central Bank of the Russian Federation. The novelty of the research lies in the fact that the author is one of the few attempts to define the concept of behavioral supervision, its subject and object. Additionally, he draws attention to the fact that the current model of supervision over the behavior of financial market entities is not as formalized as the system of banking supervision, due to the objective impossibility of regulating dynamically developing relations. At the same time, it is determined that the characteristic features of behavioral supervision are the subject composition, which is characterized by the participation of the consumer of financial services, in this regard, it is concluded that behavioral supervision is the supervision of compliance with the rights of consumers of financial services, but at the same time attention is drawn to the fact that behavioral supervision can act as a continuation of banking supervision. The author notes that this classification directly depends on the purpose of supervisory measures, for example, checking a credit institution or considering a complaint from a consumer of financial services.