The circle of subjects of bank loan has always been in the field of view of legal doctrine. One of the subjects of these legal relations is an individual whose legal personality in a bank loan has not yet been the subject of a comprehensive scientific and legal study. The legal regulation of the participation of an individual in a bank-credit obligation in accordance with the civil legislation of the Republic of Tajikistan is being studied. The concepts of “natural person” and “citizen” are correlated and the dominant opinion in the doctrine about their identity is refuted. The concept of an individual is first considered as a participant in all civil law relations, and then as a participant in a bank and credit obligation. In addition, for the first time in legal science, the constituent elements of the legal personality of an individual in an obligation under a bank loan have been comprehensively studied. The concept of "legal capacity" is explained and certain categories of legal capacity of an individual are qualified.
credit, subject, bank, natural person, legal personality
1. Civil Code of the Republic of Tajikistan dated December 24, 2022 No. 1918. [Electronic resource] // http://ncz.tj/legislation (date of access: 06/03/2023).
2. Normative legal acts of the NBT: Instructions No. 186 «On the procedure for granting loans and calculating interest in credit organizations», No. 199 «On the procedure for providing micro loans in microfinance organizations», No. 195 «On working with loans in the National Bank of Tajikistan». [Electronic resource] // https://nbt.tj/ru/normative/ (date of access: 11/24/2019).
3. Abdullaev F. R. Legal entities and individuals as subjects of property rights in the Republic of Tajikistan abroad / F. R. Abdullaev // Proceedings of the Institute of Philosophy, Political Science and Law named after A. Bahovaddinov of the Academy of Sciences of the Republic of Tajikistan. - 2017. - No. 2. - P. 179-184.
4. Alekseev A. A. Legal regulation of bank lending to individuals: dis. … cand. legal Sciences. - M., 2008. 188 p.
5. Bezgolonov A. V. Legal personality of an individual in civil law // State and law: problems and prospects for improving YUR-05. 2019 pp. 22-25.
6. Bonner E. A. Bank lending - M .: Publishing House «Gorodets», 2008 – 160 p.
7. Voloshina Yu. A. An individual as a subject of law. Collection of scientific papers based on the materials of the International Correspondence Student Scientific and Practical Conference. «Law, society, state: history, current trends and development prospects». Lipetsk, April 27, 2017, pp. 31-34.
8. Goncharenko E. A. Features of a loan agreement with the participation of a citizen (natural person) under the legislation of Russia: dis. … cand. legal Sciences. - Vladikavkaz - 2012. 170 p.
9. Civil law. Textbook (in Taj. language) / O. U. Usmonov and others. Edited by Usmonov O. U. - Dushanbe: Matbuot, 2001. - 403 p.
10.Demchenko S. S. Legal regulation of consumer lending in the Russian Federation: dis. … cand. legal Sciences. - SPb., 2012. 216 p.
11.Zakupen A. V. Legal regulation of bank lending to individuals in the Russian Federation: dis. … cand. legal Sciences. – M.: - 2013. 233 p.
12.Kostina E. A. Individuals (citizens) as subjects of civil law: textbook. SPb. 2015. – 79 p.
13.Komzolova Yu. A. Fiction of an individual in Russian legal science // Law enforcement monitoring No. 3 (12) - 2014. pp. 68-70.
14.Kulikov N. I., Vdovina E. S., Kulikova M. A. Lending to individuals and directions for improving the credit policy in a commercial bank: Monograph. Tambov. FGBOU VO «TSTU», 2016. – 85 p.
15.Novikova S. V. Popova L. I., Trapezarova V. S. Theoretical approaches to determining legal capacity in the civil law of Russia and foreign countries // Scientific journal of KubGAU, No. 134 (10), 2017. pp. 273-282.
16.Kurbonalizoda N. Sh. Problems of civil capacity of individuals under the legislation of the Republic of Tajikistan / N. Sh. Kurbonalizoda // Bulletin of the Tajik National University. Series of socio-economic and social sciences. - 2018. - No. 6. - P. 171-176.
17.Kurbonalizoda, N. Sh. Formation of the institution of legal personality of citizens in the domestic legal order / N. Sh. Kurbonalizoda // Bulletin of the Tajik National University. Series of socio-economic and social sciences. - 2017. - No. 2/4-1. - S. 217-225.
18.Petrova E. A. Individuals: concept, characteristics, categories // International Journal of the Humanities and Natural Sciences. No. 5-3, 2019. pp. 168-172.
19.Petrova E. A. Problems of the legal personality of individuals // International Journal of the Humanities and Natural Sciences. 2019. No. 4-3. pp. 134-139.
20.Pristankov DV Some problems of civil law regulation of bank lending: dis. … cand. legal Sciences. - St. Petersburg - 2006. 189 p.
21.Pyatkov D. V. Positions of domestic civil lawyers on the definition of the concept of «individual»: retrospectives and the present // Izvestiya AltGU. Legal Sciences. 2018. No. 6 (104). pp. 187-191.
22.Repnikova Yu. V. Citizenship and legal personality of an individual // Bulletin of the Moscow University of the Ministry of Internal Affairs of Russia. No. 7. 2016. pp. 53-55.
23.Repnikova Yu. V. Some aspects of the ratio of legal capacity and legal capacity of individuals // Bulletin of economic security No. 1 / 2017. pp. 58-60.
24.Telezhnikov P. A. Development of forms of lending to individuals by Russian commercial banks: dis. … cand. economy Sciences. - M.: - 2006. 146 p.
25.Ivanov R. L. Individuals as subjects of law: problems of theory and practice // All-Russian Scientific and Practical Conference "Omsk Scientific Readings" Omsk, December 11-16, 2017, pp. 938-940.
26.Tsarkova Yu. A., Konshin A. I. Individuals as subjects of civil legal relations // Symbol of Science. 2018 No. 4, pp. 71-73.
27.Christopher Hutton. Linkability, Personhood and State Modernity: Understanding the Affordances of Personal Identity across Different Legal Regimes // Law & Literature. 2019. № 31 (2). pp. 239-257.
28.Nataliya M. О., Roman P. L. Law and Person: Modernity and Forecasting // International Journal of Criminology and Sociology. 2020. № 9. pp. 1596-1599.