Lėšų pervedimas kaip vienas prievolės įvykdymo būdų

Abstract

As the new business undertaking mechanisms have emerged and are under development, the role of credit institutions (first of all, commercial banks) has increased in providing financial services to enterprises and organisations. Recently the area involving non cash settlements has increased considerably, their new forms are implemented in practice, as well as the ways of electronic transfers of information on payments are used more actively. The necessity of analysis concerning issues on legal regulation of settlement relations is determined by lack of research in this area as well as increased demand among specialists, working in the field of finance, credit and foreign trade. The regulatory acts of Lithuania enforce only general legal standards, which should be developed in further legal acts, which have not been prepared or adopted yet. Unfortunately, it has to be noted that despite of the increasing role of money transfer, as one of the ways of fulfilling one's obligations, this issue is unreasonably insufficiently addressed in Lithuania. On the other hand, as volumes of international trade have been considerably increasing, not only the problem regarding legal regulation of insufficient transfer of national funds is faced, but also the lack of uniform international rules is met. As the collisions of different legal acts, as effective in the country and regulating non cash settlements, decrease the efficiency of international payments, unification of these legal acts and at the same time international legal regulation of non cash settlements is needed.
Money transfer in this article as a separate instrument of non cash settlements is analysed in the national (Lithuania, USA, France and Russia) context as well as in the international context of legal regulation mechanism measures. The first part of the article presents the concept of money transfer, and the second part analyses international legal acts regulating money transfer and problems limiting the possibility of unification of legal acts regulating money transfer.