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Skuldsättningsproblematiken på marknaden för snabblån: En granskning av proposition 2009/10:242 och dess motverkande av skuldsättningsproblematiken kring snabblån

Phillipa Lindkvist

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    <subfield code="a">&lt;p&gt;Genom vissa undantag i den svenska f&amp;ouml;rordningen om kreditavtal f&amp;ouml;r konsumenter har en ny form av instrument f&amp;ouml;r krediter uppst&amp;aring;tt p&amp;aring; den nationella marknaden. Instrumentet, som &amp;auml;r mest k&amp;auml;nt som snabbl&amp;aring;n &lt;a href=""&gt;h&amp;auml;r &lt;/a&gt;(eller smsl&amp;aring;n alt mikrol&amp;aring;n) och som f&amp;ouml;rst noterades p&amp;aring; den svenska marknaden f&amp;ouml;r konsumentkrediter 2006, har utvecklats f&amp;ouml;r att bli en del av ett stort problem med alltf&amp;ouml;r stor skuldintr&amp;aring;ng. F&amp;ouml;r att motverka denna utveckling och harmonisera den inre marknaden inom EU inf&amp;ouml;rdes direktiv 2008/48 EG om kreditavtal f&amp;ouml;r konsumenter 2008. I Sverige har genomf&amp;ouml;randet av direktivet lett till ett f&amp;ouml;rslag till en ny kreditf&amp;ouml;rordning konsumentavtal (SFS 2009/10: 242 Ny konsumentkreditlag) som tr&amp;auml;der i kraft den 1 januari 2011. F&amp;ouml;rslaget inneh&amp;aring;ller str&amp;auml;ngare regler f&amp;ouml;r kreditorer som beviljar konsumentkrediter i sin verksamhet och &amp;aring;terkallar det tidigare undantaget f&amp;ouml;r information och praxis som &amp;auml;r prelimin&amp;auml;rt f&amp;ouml;r Slutsatsen av kreditavtalet f&amp;ouml;r mindre krediter, s&amp;aring; kallade snabbl&amp;aring;n eller smsl&amp;aring;n. Syftet med denna avhandling har varit att klarg&amp;ouml;ra huruvida det svenska f&amp;ouml;rslaget kommer att motverka problemet med alltf&amp;ouml;r stor skuldintr&amp;aring;ng som finns p&amp;aring; den svenska marknaden f&amp;ouml;r snabbl&amp;aring;n. F&amp;ouml;r att n&amp;aring; m&amp;aring;let och f&amp;ouml;r att kunna se de skillnader som f&amp;ouml;rslaget kan f&amp;ouml;rv&amp;auml;ntas f&amp;aring;, m&amp;aring;ste en j&amp;auml;mf&amp;ouml;relse mellan effekterna av nuvarande reglering och de f&amp;ouml;rv&amp;auml;ntade effekterna av kommande regler g&amp;ouml;ras. Sammanfattningen av avhandlingen, efter en s&amp;aring;dan j&amp;auml;mf&amp;ouml;relse, &amp;auml;r att f&amp;ouml;rslaget kan f&amp;ouml;rv&amp;auml;ntas motverka en alltf&amp;ouml;r stor skuldintr&amp;aring;ng, men ocks&amp;aring; att en rad konsekvenser m&amp;aring;ste beaktas f&amp;ouml;r att p&amp;aring; sikt f&amp;ouml;r en mer balanserad marknad f&amp;ouml;r snabbl&amp;aring;n.&amp;nbsp;&lt;/p&gt;

&lt;p&gt;Through certain exceptions in the Swedish regulation on credit agreements for consumers, a new form of instrument for credits has arisen on the national market. The instrument, which is most commonly known as easy credits and was first seen on the Swedish market for consumer credits in 2006, has developed to become part of a vast problem with excessive debt incursion. In order to counteract this development and to harmonise the internal market within the EU, directive 2008/48 EC on credit agreements for consumers was introduced in 2008. In Sweden, the implementation of the directive has led to a proposition for a new regulation on credit agreements for consumers (&lt;a href=""&gt;SFS 2009/10:242 Ny konsumentkreditlag&lt;/a&gt;) coming into effect on the 1 January 2011. The proposition puts up stricter rules on creditors granting consumer credits in their course of business, and revokes the former exemption on information and practices preliminary to the conclusion of the credit agreement for minor credits. The purpose of this thesis has been to make clear whether or not the Swedish proposition will counteract the problem with excessive debt incursion that exists on the Swedish market for consumer credits. In order to reach the purpose and to be able to see the differences that the proposition can be expected to bring, a comparison between the effects of current regulation and expected effects of coming regulations must be made. The gathered conclusion of the thesis, after such a comparison, is that the proposition can be expected to counteract excessive debt incursion but also that a series of following consequences must be taken into account.&amp;nbsp;&lt;/p&gt;

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