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It is very important that the conceptual model of the World Bank on regulation of bankruptcy of physical persons (which will be introduced in our country in the form of a bill) promotes the further development of society and economy, member of the Board of the Independent Association of Ukrainian Banks (NABU) Roman Shpek said at the round table, ForUm correspondent reports.
According to the financier, it is necessary for banks to fulfill their functions and to issue loans and for clients - individuals and legal entities - to get richer and increase their turnover in the legal field.
He also added that the bankruptcy of physical persons should not mean that the amount of write-offs of bank funds becomes a subject to tax. "Bankruptcy is a disaster, but civilized and settled, and all bills must be paid. And we need to teach consumers that bankruptcy has great limitations, including on purchase of property, getting credit, freedom of movement. We need to speak about it, and then we will pass successfully the implementation path, and Ukraine will have another segment of the legislature, which will contribute to the establishment of civilized relations between borrowers and lenders, and in the end - the well-being of people and the development of our economy," the banker noted.
According to Shpek, Ukraine is building a market economy, but the process is not over yet. "The country is in a transition period, and it is important to have a legislation that will facilitate to build faster a civilized market and a civil society, as they cannot exist separately.