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1
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Misselling jako nadużywanie zaufania klienta na rynku finansowym

100%
Paduszyńska M.
Annales. Etyka w Życiu Gospodarczym
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2019
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vol. 22
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issue 3
45-60
EN
The amendment to the act on competition and consumer protection, in force since 17 April 2016, introduced a ban on the so-called ‘misselling’ as a new type of practice that violates collective consumer interests. The sale of products that are not suited to the needs of clients is a frequent reason for complaints to courts and institutions of consumer protection. Thus, it has a negative impact on clients' trust in financial market entities, because it exposes them to unnecessary risk and generates additional service costs. The financial services market is a type of market that has a significant impact on its customers. The source of threats may be the fact that financial institutions operate in an area of increased risk with a relatively low share of equity, and also, they rely on the funds entrusted to them by clients. The aim of this paper is to identify the phenomenon of misselling, explain the reasons for which it is undesirable from the point of view of consumer protection, and present solutions for its reduction. The paper is based on a review, analysis, and synthesis of selected publications (domestic and foreign) which are important from the point of view of the topic. Moreover, the paper includes an analysis of secondary data from official documents and reports of financial market entities.
2
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Polityka konsumencka – podstawy teoretyczne, cele i narzędzia

100%
Lissowska M.
Gospodarka Narodowa. The Polish Journal of Economics
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2010
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vol. 243
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issue 10
57-77
EN
The article focuses on the theoretical framework, objectives and tools of consumer policy. The author examines the issue on the basis of research reports focusing on consumer policy and discusses business practices in this area in OECD countries. The author shows that consumer policy is primarily based on the theory of information asymmetry, the transaction costs theory and behavioral economics. Another source of consumer policy is observation of market changes and commercial practices used, Lissowska says. The author reviews consumer policy tools used in OECD countries. The research confirms that consumer policy can help avoid the pitfalls of excessive protectionism. Consumer policy can be asymmetrical and protectionist to a minimum extent, Lissowska says. It benefits producers by helping them increase the competitive advantages of their goods and services and encouraging them to innovate. The latest economic crisis has demonstrated that consumer policy is indispensable, the author says, and that consumers should be protected from the implications of risky decisions.
3
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Sale of Getback Bonds as an Example of Misselling

75%
Kubacki D.
Finanse i Prawo Finansowe
|
2022
|
issue 2 (Numer Specjalny)
19-33
EN
The purpose of this article. The purpose of this study is to identify the occurrence of misselling in the process of offering and selling corporate bonds of GetBack SA. Methodology. The study included a literature review, analysis of secondary data derived from official documents such as decisions issued by the President of the Office of Competition and Consumer Protection, reports of the Supreme Audit Office, and studies by the Financial Ombudsman. The result of the research. The area where the phenomenon of misselling occurred is undoubtedly the case regarding the process of offering and selling bonds of GetBack SA. The circumstances of the case indicate that there were irregularities in the sales process, which consisted in misleading the customers about the offered products, which were not adapted to their needs and carried a high investment risk, disregarding their investor knowledge. Furthermore, in the opinion of the Office of Competition and Consumer Protection and the Financial Ombudsman.
4
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Analiza wybranych regulacji wprowadzonych ustawą o przeciwdziałaniu nieuczciwemu wykorzystywaniu przewagi kontraktowej w obrocie produktami rolnymi i spożywczymi – jakie zmiany w polskim prawie?

51%
Salitra M.
internetowy Kwartalnik Antymonopolowy i Regulacyjny
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2017
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vol. 6
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issue 1
126-140
EN
The article presents selected provisions contained in the Act of 15 December 2016 on counteracting the unfair use of superior bargaining power in the trade in agricultural and food products, which has been prepared by the Ministry of Agriculture and Rural Development. The Act provides for an administrative fine for the unfair use of superior bargaining power. A proceeding of this nature shall be initiated by the President of UOKiK ex officio, rather than by request of any party to such proceeding. However, any entrepreneur with a reasonable suspicion of being the subject to a practices involving the unfair use of superior bargaining power may submit a complaint to UOKiK. It is the intention of the author to present a brief description of what are believed to be the key provisions contained in the new Act and show some difficulties that entrepreneurs may face when evaluating their activities for compliance with the provisions of this Act.
PL
Artykuł prezentuje wybrane regulacje zawarte w ustawie z 15 grudnia 2016 r. o przeciwdziałaniu nieuczciwemu wykorzystywaniu przewagi kontraktowej w obrocie produktami rolnymi i spożywczymi przygotowanej przez Ministerstwo Rolnictwa i Rozwoju Wsi. Ustawa dotyczy wprowadzenia pieniężnych kar administracyjnych za nieuczciwe wykorzystywanie przewagi kontraktowej. Postępowanie będzie wszczynał z urzędu Prezes UOKiK, a zawiadomienie dotyczące podejrzenia stosowania tych praktyk będzie mógł zgłosić przedsiębiorca, jeżeli podejrzewa stosowanie takich praktyk wobec siebie. Autorka podejmuje próbę przedstawienia zwięzłego opisu najistotniejszych – w jej ocenie – postanowień zawartych w ww. ustawie. Jednocześnie wskazuje na pewne trudności, z jakimi mogą spotkać się przedsiębiorcy przy ocenie swoich działań pod kątem zgodności z przepisami omawianej ustawy.
5
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Tackling unfair trading practices in the business-to-business food supply chain – legal solutions in Ireland

51%
Koguciuk G.
internetowy Kwartalnik Antymonopolowy i Regulacyjny
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2017
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vol. 6
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issue 8
33-43
PL
W artykule przedstawiono irlandzkie regulacje dotyczące handlu w sektorze produktów rolno-spożywczych mające na celu zapobieganie nieuczciwym praktykom kontraktowania stosowanym stosowanych w relacjach handlowych. Rys historyczny pokazujący wprowadzenie tych zasad wskazuje na liczne działania podejmowane w Irlandii w celu opracowania optymalnej metody regulacyjnej oraz wybrany modus operandi. Następnie przedstawione są cechy charakterystyczne wprowadzonej regulacji – także w zestawieniu z polską ustawą o przeciwdziałaniu nieuczciwemu wykorzystywaniu przewagi kontraktowej w obrocie produktami rolnymi i spożywczymi. Wskazane są też podstawowe zasady kontraktowania w tym sektorze, jak również towarzyszące obowiązki obciążające odbiorców produktów rolno-spożywczych. Opisano również sankcje za naruszenie przepisów ustawy – zarówno prywatno-, jak i publicznoprawne.
EN
The article presents the Irish regulation applied to business relationships in the food supply industry aimed at tackling unfair trading practices applicable in business relationship. The historic background of adopting such rules clarifies that numerous activities have been undertaken in Ireland to achieve efficient solutions and modus operandi to regulate this matter. Subsequently, the characteristics of the adopted regulation are presented – also in comparison to the relevant Polish act – the Act on counteracting unfair abuse of contractual advantage in trading of agricultural and food products. Further, the contracting rules set by the new act for that sector are described – together with accompanying obligations imposed on retailers / wholesalers of food products. Lastly, the article describes sanctions for infringement of the discussed regulation – both in the private and public area.
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