Loan agreement and credit agreement: comparative legal analysis

In this article, the author conducts a comparative legal analysis of a loan agreement and a credit agreement, distinguishes between them. The objective necessity of the study is caused by the lack of a unified point of view in the legal literature regarding understanding the legal nature of loans and credits, which negatively affects the law enforcement technique. Based on the analysis of the opinions of civil scientists, as well as consideration of a number of distinctive features of these contractual structures, the author comes to the conclusion that the loan agreement and the credit agreement are separate institutions of civil law. In addition, the article proposes to make some changes to Chapter 42 of the Civil Code of the Russian Federation.