A hitel-kölcsön, a lízing és a faktoring ügyletek nemzetközi szabályai

The study shows the international relations of the main financial transactions. In the globalised banking and financial life there are three way of financing: i) money-based financing (crediting, lending) ii) equipment-based financing (leasing) and iii) asset-financing (factoring). Each bears a national character either, which have been exposed in the comparative parts, where the prestigious civil codes (Code Civil, Bürgerlishes Gesetzbuch, Codice Civile) and of course the Hungarian Civil Code processed. All of this transaction has international regulations. For crediting and lending there are the the Rules for International Standby Practices (ISP98 or ICC 590) and the very new Uniform Customs and Practice for Documentary Credits (UCP 600) from 2007. The UNIDROIT prepared the Convention on International Financial Leasing and International Factoring in Ottawa 1988. The European Union is still unable to create a common private law or civil code, only the consumer loan, credit regulated. The tendencies in Hungary are in connection with the codification of the new Civil Code. This shall be the first civil code in Europe which apprises and contains rules for leasing and factoring.