  serova_yug-vestnik-2023-4-ru.pdf |
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- Publicly available information on the creditworthiness of individuals in the Russian empire (historical and legal analysis)
- Serova Yu.G. Publicly available information on the creditworthiness of individuals in the Russian Empire (historical and legal analysis). Vestnik of Kostroma State University, 2023, vol. 29, No. 4, pp. 220–225. (In Russ.) https://doi.org/10.34216/1998-0817-2023-29-4-220-225
- DOI: https://doi.org/10.34216/1998-0817-2023-29-4-220-225
- УДК: 340
- EDN: YGSWHY
- Publish date: 2023-10-25
- Annotation: Due to the establishment of the legal institute of reference offices on creditworthiness in the Russian Empire, entrepreneurs had the opportunity to order a certificate of creditworthiness of a potential counterparty; however, for objective reasons, this method was quite long in time. The information reflected in the certificate was confidential. The 19th – the early 20th centuries’Russia lacked the unified state public register of information characterising the financial reliability of trade turnover participants. The author investigates publicly available sources of obtaining data on the creditworthiness of the counterparty, the pre-revolutionary period merchants and industrialists could use to make a decision on concluding a contract, including with the terms of a credit transaction. The publicly available information on the creditworthiness of clients in the Russian Empire is information collected and stored in reference offices on creditworthiness, provided by the latter in various formats to interested parties. The article examines the methods of providing entrepreneurs with information borrowed from foreign practice and used in Russian trade. An important source of acquiring information about creditworthiness was data obtained from mass media. At the same time, the risks of the reliability of this information were assumed by the person using this information. When writing the article, the author studied a large array of periodicals, used scientific works of scientists of the pre-revolutionary period, and also studied archival documents, some of which had not been studied in the legal doctrine before.
- Keywords: creditworthiness, reference bureau on creditworthiness, lender, mass media, publicly available information on creditworthiness, certificate of creditworthiness, financial reliability.
- Literature list: Fedorov F. Spravochnye kontory o kreditosposobnosti [Reference offices about creditworthiness]. Slovar' F.A. Brokgauza i I.A. Efrona [Dictionary of F.A. Brockhaus and I.A. Efron]. URL: http://booksite.ru (access date: 03.08.2023). (In Russ.) Genkin D.M. Spravki o kreditosposobnosti (iuridicheskoe issledovanie) [Certificates of creditworthiness (legal research)]. Moscow, 1911, 115 p. (In Russ.) Kliachkin S.G. Spravochnoe delo v Rossii [Reference case in Russia]. Moscow, 1912, 32 p. (In Russ.) Serova Iu.G. Institut sobiraniia informatsii o blagonadezhnosti kontragentov v Rossii (istoriko-pravovoi analiz) [Institute for Collecting Information on the Reliability of Counterparties in Russia (historical and Legal analysis)]. Istoriia gosudarstva i prava [History of State and law], 2012, No. 7, pp. 23-28. (In Russ.) Shimmel'pfeng V. K voprosu ob obespechenii kreditnykh vzaimootnoshenii. Institut V. Shimmel'pfeng [On the issue of ensuring credit relations. V. Schimmelpfeng Institute]. St. Peterburg, 1912, 24 p. (In Russ.) Spravochnye kontory o kreditosposobnosti [Reference offices on creditworthiness]. Vestnik finansov, promyshlennosti i torgovli [Bulletin of Finance, Industry and Trade], 1905, No. 27, 2 p. (In Russ.) Spravochnaia kontora o kreditosposobnosti Obshchestva zavodchikov i fabrikantov Moskovskogo promyshlennogo raiona [Reference office on the creditworthiness of the Society of Breeders and Manufacturers of the Moscow Industrial District]. Moscow, 1912, 32 p. (In Russ.) Spravochnaia kniga Kliachkina (po torgovym firmam Rossii) [Klyachkin's reference book (for trading firms in Russia)], 1901. Warsaw, 1900, 2132 p. (In Russ.) Spravochnyi ukazatel' fabrik i zavodov vsei Rossii [Reference index of factories and plants throughout Russia], 1903, 380 p. (In Russ.)