Purpose

The purpose of this study is to identify the prospects and main directions for improving Russian legislation on the protection of the rights of consumers of financial services taking into account the specifics of information asymmetry in banking.

Design/methodology/approach

Using the method of economic and legal analysis, the essence of information asymmetry in banking in the Russian Federation was considered. Taking into account international experience, the analysis of the legislation of the Russian Federation in the existing regulatory and legal field is carried out. A forecast of probable changes in the field of legal regulation of information asymmetry issues in banking was also carried out.

Findings

This paper deals with cases when information asymmetry can be recognized as unfair behavior. The main features of information asymmetry in banking on the part of credit institutions in terms of banks’ failure to provide information on the content of banking services on the right to refuse additional services have been studied.

Originality/value

This study suggests that the current Russian legislation does not provide the necessary protection for consumers of financial services from information asymmetry. Based on a comprehensive analysis of legislation and judicial practice, the information asymmetry in this paper is delimited as an economic and legal concept; the prerequisites and main forms of information asymmetry in banking are determined. The main provisions and conclusions of this study can be used in legislative activities when developing provisions on the protection of the rights of financial services consumers.

中文翻译：

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审查俄罗斯联邦银行业的信息不对称

目的

本研究的目的是确定改进俄罗斯关于保护金融服务消费者权利的立法的前景和主要方向，同时考虑到银行业信息不对称的具体情况。

设计/方法/方法

运用经济和法律分析的方法，研究了俄罗斯联邦银行业信息不对称的本质。结合国际经验，对俄罗斯联邦在现有监管和法律领域的立法进行了分析。还对银行业信息不对称问题的法律监管领域可能发生的变化进行了预测。

发现

本文处理信息不对称可以被视为不公平行为的情况。研究了银行未提供有关拒绝附加服务权的银行服务内容信息的信贷机构银行业信息不对称的主要特征。

原创性/价值

这项研究表明，当前的俄罗斯立法并未为金融服务消费者提供必要的保护，使其免受信息不对称的影响。本文在对立法和司法实践进行综合分析的基础上，将信息不对称界定为一个经济和法律的概念；确定了银行业信息不对称的前提条件和主要形式。本研究的主要条款和结论可以在制定有关保护金融服务消费者权利的条款时用于立法活动。