On the differentiation and correlation of agreements mediating loan and credit relations

The paper analyzes the issues of legal regulation of loan and credit relations in civil law relations. In the modern progressive development of society and normative regulation, there are certain areas of legal regulation that do not have unambiguous law enforcement, which causes an immediate need to analyze specific legal structures that, in their totality, constitute a single institution of civil law. The institution under consideration, which mediates loan and credit relations, exists at the intersection of two sciences: law and economics. In today’s reality, this area of relations is the core of market relations, and the state of regulation affects the state of the market. The urgent need to conduct a systematic analysis of the norms governing credit and loan relations has become a key factor in choosing the topic of the scientific research. As a result of the system analysis, similarities and differences among the considered legal structures were revealed, conclusions were given about the independence of a commercial loan agreement and its accessory nature, and ways were proposed to improve the legislation governing loan and credit relations.