Antylichwa w poprawkach. Jest lepszy projekt

Antylichwa była jednym z głośniejszych pomysłów ministra Zbigniewa Ziobro. Słuszna w założeniach i kontrowersyjna ze względu na pośpiech przy procedowaniu na etapie ministerialnym (przygotowującym dokument). Obecnie w maju zaprezentowano już kolejną wersję poprawionej propozycji.

„Obecnie wygenerowano już trzecią wersję „antylichwy”. Tak naprawdę, trudno powiedzieć, czy tak zły projekt da się jeszcze załatać. Błędów jest dużo. Dla przykładu, nie zmieniono przepisów przejściowych, czyli dalej zmiany w ustawie o kredycie konsumenckim będą miały zastosowanie do umów zawartych przed wejściem w życie ustawy. Naruszana jest zasada ochrony praw nabytych oraz interesów w toku. Dlaczego potraktowano kredyt konsumencki inaczej niż pożyczki udzielane na zasadach ogólnych, tego pewnie nawet najstarsi legislatorzy nie wiedzą, a takich nieścisłości są dziesiątki. Diabeł tkwi w szczegółach. A tu diabłów jest legion”

– mówił anonimowy komentator z kręgów resortu finansów (co ciekawe, to nie tam, ale w ministerstwie sprawiedliwości przygotowany jest akt ściśle dotyczący bankowości).

„Prace na kolejnymi zmianami ustawy antylichwiarskiej nie ustają bowiem pomysły Ministerstwa Sprawiedliwości dotyczące ponownego obniżenia maksymalnych kosztów pożyczek pozabankowych wzbudziły sprzeciw ów branży finansowej. Jak powszechnie wiadomo, instytucje pozabankowe ponoszą znacznie wyższe ryzyko kredytowe świadcząc zobowiązania finansowe niedoszłym klientom banków. Finansuje je zaś z własnego kapitału, dlatego każda obniżka cen za te produkty skutkuje znacznymi stratami i może doprowadzić do wykluczenia z rynku usług pozabankowych wielu firm. Wobec kontrowersji, jakie wywołała korekta antylichwy, zaistniała potrzeba złagodzenia zmian, jakie ma ona nieść”

– informuje finansowaparabola.pl

Zdaniem ekspertów projekt w dalszym ciągu wymaga zmian, a na obecnym etapie mógłby doprowadzić doprowadzić nie tylko do eliminacji hien pożyczkowych, ale także uczciwych i legalnych pożyczkodawców.

Projekt wejdzie w życie prawdopodobnie jeszcze w tym roku.

RW

 

 




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