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MI{ITACTEPCTBO OSPA3OBAH*Ifl II HAYKI{roccrftcxofi onArpAulrr
OE/FP^I.iIbHOE TOCYAAPCTBEHHOE Erc,DITETHOIOEPA3OBATE.IIbHOE YTIPE)I{AEHI,M,
BbICIUETO IIPOOECCITOH.AJIbHOTO OEPA3OBAHU.'I<pocroncrufi rocy.{ApcrsnHHhrfr
gxououuqncnrafi yHlIBEpcurET (pr{Hx>>orEoy Bno ((Pr3y GI4Iil0>
y.n. E. CanonaR,6gr. Pocron-na-Aony, 344002
rel.: 263-30-80, Sercc: 240-43-44E-mail: [email protected]
oKno 02069088, OrPH 1026103165538rIHIr/K[n 6rc3022805 | 61 630 1 001
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llpe4ce4areillo ALIccepraIILIoHHorocoBera [-212.239.03 npu CaparoncrofirocyAapcreeHHofi IopplAlaqecxofi aKaAeMLTL
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yl. Eoluuas. Ca4or;as, g. 69;
(De4epalsuoe rccyAapcrBeHHoe 6rcANersoe o6pasonareJlbHoe )qpexcAeHl4e
Bbrcrrrero nporpeccuoH€lJrbHoro o6pa:onanur <<PocroscKl{fi rocyAapcrnenHrrfi
3KoHoMr{qecxuft yHr.rBepcr4rer (PI4FD()>> cornacHo BbrcryuLITb re4yIqefi opranzsaquefi
11o Ar4cceprarrvn llora.{anosofi Aslrrr Cepreennrr, flpeAcraBlennofi Ha collcKaHue
yrenofi crerreHr.r KaHAr{Aara ropr.rArrqecKux HayK Iro c[equarlbHocrrl 12.00.03-
lpaxAaHcKoe npaBo, npe,qrpr{HlrMareJlbcKoe rlpaBo, ceueftnoe [paBo, MexAyHapoAHoe
rracrHoe rrpaBo, Ha reMy <<r{oronop o6 o6.sgarerbHoM neHcuoHHoM crpaxoBaHLIV:
rpaxAaHcKo-rlpaBosofi acleKT).
coo6qaeu Heo6xoAtrMbre cBeAeHr.rr o naruefi opraHu3alllln:
o6pa:onareJlbHoe yqpexAeHue Bblcluero
(PocroBcrHfi rocyAapcrBeHHblft sKoHoMl4qecKllft
(Pf3Y (PnrD())o Mecro Haxo)KAeHvrfl: T. Pocros-Ha-,{ouy,
o llonnoe HaLrMeHoBaHrre: @e4epamHoe rocyAapcrBeHHoe 6roAxernoe
npo$eccuoH€ulbHoro o6pa-:onauIEr
rerr.: 8 (363) 263-30-80; e-mail:
http://www.rsue.ru
r KonrarrHbre AaHHbre: 344002, r. Pocros-ua-.{ony, yl. Eolrruas' Ca$onat, p,. 69;
cafita B cerl{ <Zurepuer>:
o Cuucon ocHoBHbrx ny6mlra\uir pa6otrnroB BeAylqefi opraHvrsa\vn no reMe
(npo6nerraarurce) Ar.rcceprarrvrvr B peueH3r{pyeMbrx HafrHbIX vr3ftailLrflx 3a rocJle4nue 5
L EnuQaHo7a T.B. Arryalrnrre npo6reurr 3aKrroqeHlarl' rocyAapcrBeHHhlx
KoHrpaKroa [Tercr] / T.B. Enz$anova llTlepcneKrr{Bbr B3al{MoAelrcrsufl. HaIII{oH€LJIbHbIX
IIpaBOBbIX CLICT9M B YCnOBIIttX
rpaKrr4q. xon$. - Pocroe Hl[.,ruo6arzs aL\vn I4 peraoH uru3ar\r4lr:
2010., c.210-213.
V Mex4yHap. Hayrr.-
2. Bopo6ueea E.B. K Borpocy o rpaBoBoM craryce HerocyAapcrBeHHblx
leHcr{oHHbrx 6oHAoB poccuficxofi @e4epaqvv il lopz4uuecKr{fi BecrH}rK Pocroscroro
rocyAapcrBeHHofo sKoHoMHqecKoro yHraBepcurera. PI4II PfSy (PI4Iilb.2011. I[b 2. ,
c.15-20.3. Bopo6aeea E.B. llpanonofi MexaHu3M B3al4MoAeitctB'ufl. HerocyAapcrBeHHbrx
ueHcuoHHrrx Son4oB c fleHcuonnrrrvr QoHlorra P@//@unascoBoe rlpaBo. 2011' Ns 10',
c.2-4.
4. Bopo6aeea E.B. rlacrno-upaBoBoe v ny6nuuno-npaBoBoe peryJll''IpoBaHvre
o6sgare*Horo crpaxoBaHr4r ll c6opHzr HarrHbrx crareir rro MareprraJraM vIMex4yHapoAnofi Haf{Ho-rpaKTzrrecKofi xon$epeHllrIu Pocroncroro rocyAapcrBeHHoro
sKOHOMr4qecKoro yHr.rBepcurera. - Pocros-na-,{oHy' orrr6pr 20lI (r. Tyauce), c. 140-
l4r.5.Bopo6aeea E.B. focyAapcrBeHHO-rpaBOBOe peryJII{pOBaHLre TIeHcHOHHbIX
ornouenufi B poccprficrofi (De4epaquu ll lOpu4zvecrcuir B..THLIK PocroscKoro
rocyAapcrBeHHoro 3KoHoMr{qecKoro yHr,rBepcrirera. PI4II Pf3y (PI,,IIil(>.2011. Ns4', c'
t2-19.6. EnuQaHolQ T.B. focyAapcrnennrrfi KoHrpaKr KaK sopua IIoAAep)ICKLl
npeArplrf,rufi ualoro 6prsHeca [Tercr] / T.B. EunsauoF,a ll flpe4upllHl4MareJlbcrBo' -Ns 3/11. - M.: I4FK, 201L, c. 11-18.
7. Crceopt4oea T.A. ,{oronop HA yCraHoBKy u eKcIIJIyaraIII4Io peruavrHofr
KOHcrpyK rlvrkr: HeKoropbre Borpocbr rrpaBoBofo peryilllpoBarinfl' (cratsx) l/KorvruepuecKoe rpaBo. 20lL Nl2., c. 15'29.
8. Bopofiaeea E.B. HerocyAapcrBeHHble neHclIoHHbIe Qon4n B ycnoBl{tx
r{3MeHeHr.rfl lpaxAaHcKoro 3aKouoAaretrocrr,all Poccuficroe lpaBo Ha coBpeMeHHoM
orare: c6opHur. M. : ugAareJlbcrBo <<IOpucr>>, 2012, c'19-25'
9. EnufiaHo7a T.B. klscruryr Blra1eHr4fl, B rlpoeKre I,I3MeHetruit s fK P(D [Tercr] /
T.B. Enuoanona ll PoccuitcKoe rrpaBo Ha coBpeMeHHoM sTane: c6. uayu. cr. IIo l4roraM
Hayr{.-upaKrr4q. ron6. <<pocczficKoe rrpaBo Ha coBpeMeHHoM orarle) 18 anpena 2012 r. -M: IOpucr, 2012., c.43-48.
I0. EnuQaHoBa T.B. @opMbr r4 cuoco6u rocyAapcrseHHofi rloAAepxru cy6leKroB
MaJroro IIpe,{npLIHrMareJIbcrBa fTercr] / T.B. Enu$anoea ll Ssorlloqus
rocyAapcrBeHHbrx rr npaBoBbrx krncrl4TyroB B coBpeMesnofi Poccura: fI. 3an. / Pocr' roc'
oKoHoM. yH-r (PI4FDQ. - Pocron ul[,,20t2. - Bun' X', c'52-58'
It. Bopo6aeea E.B. llpaeoneAeHlre: yre6wuxl noA peA. VI.B. PyxaelrurHxroeofi LI
I4.f. Hana*onofi. - M.: HOPMA,2013. - 432 c. ($ 1 ,7, !0-12 tt. 4, c. 736-L41, 155-
156, t64-179).12. Bopo^ueea E.B. Honellu neHcr4oHHOrO 3aKOHOAareJIbCrBa B ycnoBkIflx
rreHcr{oHHofi pesop rvru ll 2}-rcrue Koucrnryqun Poccuficrofi Qe4epaqur4: npaKrvrKa
per1;ru3arlr4pr npr{Hrlr[oB KoHcrr{Tyrlrron€ultrcMa B ycJIoBI{[x pa3BhrrLrs. poccuftcrofi
npaBoBofi rpa1iurJkru: c6opHr.rK HafrHbrx crareil no MarepI{aJIaM VIII Mex4yuapo4Itofi
HafrHo-[paKTlrrrecKofi ronQepeHrlr{u (Pocroncrzfi rocyAapcrBeHnsrft eronoMN'recrzfi
yHr.rBepcl4rer). - Tyance-Mocrna-Pocros-Ha-,{ony, 20 13, c.7 2 -7 3 .
13.EnuQaHo7a T.B. focy,UapcrBeHHar noAAepxKa rlpeAnpl4Huuarelscrofi
Aef,TeJrbHocrr,r KaK ocHosHofi @arcrop ycrofivunoro pa3Burrvrs' M€uroro vr cpeAHero
6u:neca fTercr] / T.B. Euusanosa ll BecrHux Pocr. roc. sKoHoM. yH-ra (PI4ID(). -2A1J. - J\b 1-2 (4142). - Mapr-uK)Hb, c. 45-53.
14. EnufreHo7a 7.8. KorrarrJreKcHair nporpaMMa ycrofiulaBoro pa3Burrvrs. Muuloro 14
cpeAHero rrpeArrpr{flrus, ll 2}-terue Koucruryquu Poccuircxoir @e4epaqvrkr: npaKrlrKa
peaJrn3arlvr1r nprrHrllrnoB KoHcrLrryIIrroH€uII43Ma B yanoBlltx pa3BurLrs' poccuficrofi
npanorofi TpaAilr\uw: c6opnzr HafrHbrx crarefi no MarepHaJIaM VIII MeN4yuapo4nofi
HafrHo-npaKrrauecrcofi ronQepeHrlr{rl (PocroncrIEfi rocyAapcrBeHurrfi sxoHovuqecrzfi
yHr4Bepcurer). - Tyance-Mocrea-Pocros-Ha-,{ony, 2013, c. 1 I 8- 1 2 1 .
15. Cxeopqo1a 7.A., Cuoneucrcuil M.E, flpe4npuHuMareJlbcKoe rlpaBo: yre6noe
noco6ue / fIoA pe.q. T.A. CxaopUosofi. - M.: IOcrnquH$opna,2014. 402 c.
PerropOfEOy BIIO <<Pocrosucufi rocyAapcrneuHslfioKoHoMn.recrcrfi yHIrBepcI{Ter (PIIHX)>t
A.o.H.r npoQeccop
Hcn.: H.f. PouanesroTer.: 8(863) 263-57-08
/A.Y. Alr6enon/
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gKOHOMrqEcKnfi yLI{BEPCI|TET (pr{Hx>orEoy Bno <Pr3y GLITDO>
y.n. E. Caaonas,6gr. Pocro p-na-Aony, 344./0A2
ren.: 263-30-80, eenc: 240-43-44E-mail: [email protected]
oKno 02069088, OrPH 10261mr65538I{HH/ICIIn 6 I 63022805i616301001
na .lli
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coLIcKaHI{e yueuofi crerreHlr KaHAkrAara rcplrAlrrrecKrlx HayK no clequ€LrrbH ocrr.r
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Mex{AyHapoAHoe qacTHoe npaBo
(Caparon ,2014. - 210 c.)
,{vccepraqr4oHHoe uccneAoBaHpre floraqarosofi AHHrr CepreeBHbr BbrrroJrHeHo
Ha aKTy€LnbHyIo reMy. Paspa6orra npo6leMbr AoroBopa rreHcrroHHoro crpaxoBaHLrr Ha
HaKOIII,ITenbHyrc qaoTb rreHCI,II{I lIMeeT, HeCOMHeHHO, Ba)KHOe TeOpeTHqeCKOe Lr
npaKTur{ecKoe 3HaqeHr,re. llocrolbKy, c o4Hofi cTopoHbr, ua6lroAaeTc'I nocTorHHbrfi
pocT rlllcJra AoroBopoB, 3aKIIoqaeMbIX c Hefocy.{apcTBeHHbrMl4 IIeHcI'roHHbrMr4
Qou4aivru, c Apyrofi cropoHbr, orcyrcrByror prccJreAoBanurfl, rpa)KAaHcKo-rrpaBoBbrx
acIreKToB AoroBopa o6 o6.ssareJrbHoM rreHcr4orrHoM crpax oBaHuu.
[uccepraqul pa3BrlBaer o6qereoperr4qecKr4e u MeroAonorpFrecKrrre ocHoBbr
fpaxAaHcKofo npaBa c yrreroM coQToflHu;,s, poccr4r4cKofo 3aKoHoAaTeJrbcTBa u
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errcoxufi ypoBeHb reoperLrqecKlrx noroxenufi coqeraercf, c upaKTllqecrofi
HanpaBneHHocrbro. Ha ocnose rxrdpoKoro r4crloJrb3oBaHkLs z rny6ororo aHaIIu3a HopM
rpax(AaHcKoro, aAMlrHLrcrparraBHoro, QuHaHcoBoro lpaBa, B ALIccepraIII4rI
ocyulecrBJreH Bcecropouttuit alrraJrvg rlHcrkITyra rIeHcI4oHHoro crpaxoBaHl4t,
llMeloll{ero p€t3nlilqHoe MHOIOIIJIaHOBO€ MaTepLI€LJIbHoe COAepXaHHe u
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perynr4poBaIJr4n.
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rlr{Br.rJrracTr4qecKr{e r4ccneAoBalJws 14 Kpr{TI4qecKI4 AHNIU3VrpyeT TPyln yqeHbIX-
roplrcroB, B Koropbrx ocBerrleHbr npo6reurr I{ccJIeAoBaHvrs. lpaxAaHcKo-rlpaBoBblx
acIIeKToB AoroBopa o6 o 6ss areJIbHoM IIeHcLIo HHoM cTpax oBaHkIn.
Crpyrrypa Aucceprarluv JroruqHa, o6ecnequnaer Br{yrpeHHee eALIHcrBo
pa6oru u rro3BoJrrer c reoperuqecKofi I{ rlpaKTl{r{ecKofi TorIeK 3peHl{t LI3JIo}KI4TI
MareplT€ur Lr no3Lrrllrrc LrccJreAoBareJrr. ,,{uccepraqnfl cocrourr LI3 Tpex rJIaB, BBeAeHut
r{ 3aKrroqeHr{.fl. llepnax rJraBa <O6qas xapaKTepucrLrKa npaBoBoro peryn?IpoBaHnr
o6ssarerbHoro rreHcLroHHoro crpaxoBannr>> rrocBtlrleHa reHe3l4cy npaBoBoro
peryJrr,rpoBaHr4fl. o6.ssarerbHoro rreHcLroHHoro crpaxoBaHl4.l. llpe,qcranIrflercs, qro
AaHHbr[ rroAXoA IIo3BoJII4JI aBTOpy Onpe.{eJII{Tb cyIIIHOCTb Ia [epcneKTI4BbI IIpaBOBOfO
o[pe.4eJILITb KpyF HOpM,cSepe,peryJrr{poBanufl, ornoruenrafi B uccne.4yelvrofi
perJraMeHTr,rpyrcqux o6-fi3areJrbHoe IreHcLIoHHoe
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BbrAeJrf,eT cyrqecTBeHHbre TeopeTr4rrecK?re u [paKTI{qecKZe npooneMbl HopMaTI{BHo-
rrpaBoBoro peryJrr{poBaHr4.rr AerreJrbHocrr{ HeI'ocyAapcrBeHHbIX IreHcLIoHHlrx Qou4on,
rrpeAJraraer cnoco6rr opranrrcarllrr4 B3al4Mooruoruenzfi HerocyAapcrBeHHblx
rreHcrroHHbrx Son4on u rocy.qapcrBa, ocHoBaHHbre Ha rpilKAaHcKo-rrpaBoBbrx
rrpl{Hrlr{lrax. 3aclyxunaer Blauv'aHvfl. rIpeAJIoxteHHe aBTopa I{HBecrLIpoBarb
cTpaxoBaHkIe.
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focyAapcTBeHHo-qacTHofo rraprHepcrBa.
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vr orrrvqureJrbHbrx nprBHaKoB AoroBopa o6 o6.ssareJlbHoM rIeHcLIoHHoM crpaxoBaHvrrr)
ero coAepxaHr4r4, [oprAKa 3aKrroqeHr4r H pacropxeHl4fl. Anrop BbIAeJI{er pflr,
oco6eunocrefi, Koropbre rro3Bonflror orrpaHuqurb AoroBop o6 o6sgarelbHoM
rreHcr{oHHoM crpaxoBaHkrlr or uy6nnvuoro AoroBopa B SuHauconoM npaBe I{ or
aAMlrHr.rcrparLTBHoro AoroBopa B aAMr{HLrcrparLIBHoM npaBe. Anrop ilpI4xoALIT K
BbrBoAy, qro AaHHufi 4oronop AoJrxeH paccMarpr4Barbcfl. KaK I4HcrI{Tyr rpaxAaHcKoro
npaBa KaK orpacJrr4 rrpaBa vr o.{HoBpeMeHHo KaK Mexorpaclenofi (cvreuraHHufr)
raHcrr{Tyr poccufi croro 3aKoHoAareilbcrBa.
flpuvreHeHr{e K AofoBopy o6 o6ssareJrbHoM neHcuoHHoM crpaxoBaHlat4 o6Irlero
lpaxAaHcKo-npaBoBoro rroAxoAa r4 paccMorpeHze ero KaK ropvrlivrrclecKoro Sarra,
[paBoorHolreHr4.f, LI,{oKyMeHTa rIoJIaf aeM cnpaBeAJII{BbIM.
Anrop onpeAenun cyulecrBeHHhre ycJroBrrrr AoroBopa, [poBoA.s cpaBHrlTelrnrrfi
aHarrlr3 AoroBopa o6 o6.asarerbHoM rreHcnoHHoM crpaxoBaHLII{ c rry6lnununa
AO|OBOpOM, AOfOBOpOM rrpUCOeAUHeHr4fl, THIIOBbIM AO|OBOpOM, npUMepHbIM
AoroBopoM. Ha ocHoBe rrpoBeAeHHoro reoperraqecKoro aHalru3a aBTop Aaer
oprlrkrHuurbHoe o[peAeJreHr{e AoroBopa o6 o6.flsareJlbHoM rIeHcI{oHHoM crpaxoBaHvru vr
BbIHOCI4T EfO B KAIICCTBE OAHOTO I{3 TIOJIOX{E]H]:1"ilT HA 3AIIIUTY (C. I22).
Anropou BcecropoHHe rrpoaHaJrr{3upoBaHo coAep)KaHue AoroBopa vr
npeAnoxeHa oprrrLrH€L[bH€ur rnaccz$uKallklf, o6ssaHHocrefi HerocyAapcrBeHHblx
rreHcuoHHrrx Sou4on.
B rperrefi rrlase ALrccepraHT aHaJrv3r,rpyer cnoco6sr 3aIrII4TbI HapyrreHHbIX
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BbrBoAy o roM, rrro rro AaHHoMy AoroBopy [pI4MeHLIMII TaKue cnoco6rr 3aIIIpITbI, KaK
rrpr{3HaHr{e ocrropurvrofi cAenxu neAeficrBureJlbttoir. u [puIMeHeHLIe rocJle4ctnufi ee
HeAeficrBr4TeirbHocrr.{; [pr4MeHeHue nocneAcrBl4ft HI,IrIToxHofr cAenKIl; Bo3MeIIIeHI4e
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rlrrkr r43MeHeHLIe rpaBoorHoureHnfi (C. 155).
CyqecrneHHbrM BKJTaAoM aBTopa B coBeplxeHcrBoBaHl4e AetrenbHocrl4
HerocyAapcrBeHHbrx freHcrloHHrrx Qon4oB cqLITaeM rlocraHoBKy Bonpoca o roM, qro B
AoroBopHbIX orHollreHutx rro o6.ssarerbHoMy
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yuyrleHHofi nuro4u n
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KoMrreHcarlur4 Mop€lJrbHoro BpeAa 3acrpaxoBaHHoMy nzI{y (C. 162). Ha ocHoBe
Teoperr.rqecKoro aHaJru3a cy.ue6nofi npaKTI{KI4 aBTop Aenaer AocraroqHo
o6ocHoeaHHbre BbrBoAbr o [pr{MeHeHI4I4 rrepequcfieHHblx cnoco6os 3aqLITbI,
Qop*rynnpyer rlelrrfi p.f,A [peAnoxenzfi rro coBeprueHcrBoBaH]Iro 3aKoHoAareJrbcrBa
(C. 17 I-172; 17 8-179; I 8 1 ).
floloxeuu.r, BbrHocr.rMbre Ar{ccepraHToM Ha 3aIrIIaTy, opurl,lH€ulbHbl,
o6ocnoeaHHbr, caMocrorreJrbubr pr o6naAaror KarlecrBoM nayunofi noelrgHofr.
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CneAenu-r o neAyulefi opfaHlrcauvld:
upo(feccuoHurlrbHoro o6pasonauux <PocroscKr,rfi rocyAapcmennrul oKoHoMallecxufi ynunepcllTer(P?IFDC)>; ofEov BIIO <PrSv (PI4IDC)).
llo.nosttrU 4[pec: 344002,r. Pocros-ua-Aouy, yl. Eonsuaa C44onar, 1.69;rere(pon: 8 (863) 263-30-80;Agpec sJIeICrpoHHoft no.rrrt: [email protected]
Agpec o$r.nuaarnnoro cafira B cerl{ <?Iuteplrer>: htp://www.rsue.ru/
В диссертационный совет Д-212.239.03, на базе ФГБОУ ВПО «Саратовская государственная юридическая академия»
от Ручкиной Гульнары Флюровны
Заявление
Настоящим сообщаю о своем согласии выступить официальным оппонентом по диссертации Покачаловой Анны Сергеевны на тему «Договор об обязательном пенсионном страховании: гражданско-правовой аспект», представленной в указанный диссертационный совет на соискание ученой степени кандидата юридических наук.
Руководствуясь п.28 Положения о присуждении ученых степеней и п. 10 Порядка размещения в информационно-телекоммуникационной сети «Интернет» информации, необходимой для обеспечения порядка присуждения ученых степеней, сообщаю о себе следующее:
Фамилия, имя, отчество: Ручкина Гульнара Флюровна
Ученая степень: доктор юридических наук, 12.00.14, 12.00.03 Ученое звание: профессор Место работы: кафедра «Предпринимательское право» Федерального государственного образовательного бюджетного учреждения высшего профессионального образования «Финансовый университет при Правительстве Российской Федерации» Должность: профессор, заведующая кафедрой «Предпринимательское право» Контактные данные: 109456, Москва, 4-ый Вешняковский пр-д, д.4, 8(499)7460038 е - mail [email protected] За последние 5 лет по теме (проблематике) защищаемой диссертации в рецензируемых научных изданиях мною опубликованы следующие работы:
Ручкина, Г.Ф., Купызин, В. В. Социальная ответственность субъектов предпринимательской деятельности и правовое регулирование отношений по распределению прибыли [Текст] / Предпринимательское право. 2010. № 1. С. 35^40.
2.Ручкина Г.Ф. Договорные отношения банков с иными организациями при осуществлении кредитования: проблемы законодательного регулирования // Юридический мир. 2013. №12. С. 31-35.
3. Предпринимательское право. Правовое регулирование отдельных видов предпринимательской деятельности: учебник для магистров / Е. М. Ашмарина, А. В. Барков, В. Н. Васин и др.; под ред. Г. Ф. Ручкиной; Финансовый университет при Правительстве Российской Федерации. - Учеб. изд. - М. : Юрайт, 2013. -543 с.
4.Ручкина, Г.Ф. К вопросу о некоторых проблемах правового регулирования деятельности субъектов крупного предпринимательства и экономического права России [Текст] / Г.Ф. Ручкина // Вопросы экономики и права. 2014. № 1. С. 15-19.
5.Ручкина Г.Ф. Договоры в сфере жилищно-коммунального хозяйства: правовой аспект// Юрист. 2014. № 1. С.17-21
6. Ручкина Г.Ф. Правовое обеспечение страхования финансовых рисков субъектов предпринимательской деятельности // Вестник Саратовской государственной юридической академии. № 3 (98). 2014. С. 46-52.
Согласна на размещение моих представленных персональных данных В сети «Интернет».
19.06.2014г.
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fpa)KAaHcKofo, neHcAoHHolo, $unancoeoro 3aKoHoAareJIbcrBa, a ral()Ke Ha
o6urnpuoit 6ase HcropI4r{ecKHX I4crorrHplKoB H Marepr4aJroB., coAepxaulnx cBeAeHr4t
o pa3BHTI{e neHcl4oHHol-o crpaxoBa[r4fl 14 ero npaBoBoro pefynr4poBaHr4q e poccau.
OcoSeHuo cneAyer orMerurb uo6a:rlsoe ro cBoeMy o6reuy r4ccJreAoBaHne A.C.
floxa'{anosofi r4cropww craHoBJleHufl u pa3B:zTufl B Poccur.r npaBoBbrx ocHoB
neHcI4oHHofo crpaxoBaHHt' lI03BorII4BIree cAenarb psll BbIBoAoB, HMeroillr4x
6olrruoe 3Har{eHne An{ rpa}KAaHcKo-rrpaeonofr Ha.yKH.
!ocroeepHocrb tr o6ocHoeaHHocrb HayvHbrx rroJToxeHnfi, trocBrueHHbrx
TeoperI4rIecKI'IM acneKTaM AofoBoper od o6s:are.rrbHoM rIeHcI4oHHoM crpax oBaHr4r4,
o[peAenrercf, r4ccJreAoBaHr4eM v xpurnvecxoft oqesxoff 3Har{r{TeJrbHoro o6revacnerlnali,sofi o6rqenpaeosofi v orpac,renofi roplrrraqecxofi nrzreparypbr,
nocBquleuHofi npo6leuav onpeAeneHnr cyulHocrl{ noroBopa. flp, 3ToM A,C.
floxaqalona o6parqaJlacb He roJIbI(o K TpyAaM L4BunrrcroB, Ho raKxe 14 r( TpyAaM B
o6:racra reopLII4 rlpaBa, $uHauconoro npaBa, a[Mt4lr4el]parr4BHoro ilpaBa, r{ro
o6orarulo Aaoceprallnlo v [o3BoJI]iJro nonyqaTb HoBbre HayqHbre pe3yrbrarbr,
pacunptrcrq}Ie Hayr{Hble npeAcraBJreHvrfl o 4oroeopuoff i1e.rrrenbHocrH B ccbepe
o6flsarertHoro [eHcI,IoHHoro crpax olaHvrfl .
3aila'au r4ccnexoB aHvrfl.) ccpoprrayrupoBaHHbre KaK B ,\ueceprarruvr, .raK Lr B
anropeQepare, orBer{aror o6rqerrly 3aMbrcny n reMe rvcae:praryur4, a noAxoAr,r v
MeroAbI pelxeHHt o3HaL{eHHbIX AI{ccepraHToM npo6,renr a per3ynbrarbr trpoBe4euuofi
paooru [oKa3blBalor AocraroqHo errcoxr4fr Teopernqecrcnfi 14 [paKTr,rqe cxuitypoBeHb [oAroroBKI4 aBTopa, efo cnoco6uocrr, ycnerxHo pa3peuarb Hayr{Hbre
npo6,revrr.
Perueuue PsAa 3al.aq, nocraBneHHbrx Ar{ccepraHToM B cBoeM HccneAoB ''Hu.nMeer BaxHoe reoperl4rlecKoe w npaKTwgecKoe :lgaqerlze. B qacrHocrr4, r( HHM
orHoctlTct 3aaaqu no orfpaHl4r{eHnro 4oroeopa. o6 o6gsaterbHoM reHcnoHHoM
crpaxoBaHnl4 or ny6nuvuoro troroBopa n SuuaHcoBoM [paBe Lr anMwHLrcrparr4BHoro
AOfOBOpa B aAMT4HT4CTpaTZBHOM npaBe; no
AoroBopa o6 o6xsarerbHoM neHcHoHHoM
onpegeneHnro npanonofi rpr4ponbr
cTpaxoBaHrir4; rlo BbrrBJreHHro u
3
xapaKrepl'IcrHKe cIIoco608 3ait{LITbI npaB cropoH AoroBopa o6 o6s:arelrHovrr eHcproHHoM cTpaxoBaHvrvr lr Apyfrie.
I4cnolr:yl HcropHr{ecxwit, cr4creMHo-c'rpyKTypuut;.it, Me}r(orpacreeofr t4
ApyrHe MeroAbI Hayr{Hofo rlo3HaHr,rr, o6runpuyro reopernLrecKyro r,r HopMarHBHo-
npaBoByn 6azy, aBrop Ha AocrarollHo BbrcoKoM npo$eccraoHanbHoM ypoBHe
v ccneAyer rpaxAaHcKo-[paBoByrc [przpoAy AoroBopa o5 o6rsarertuoi\a
fIC HCI4 O HHOM CTPAX OBAHT4VI.
Crpyxrypa Allccepralll4oHHclro HccJreACrB aH:ar BbrcrpoeHa rorr4r.rFro t4
ooycnoBneHa IIenbIo u 3aAarlaMr4, Marepr4an paccMoTpeH [ocJIeAOBareJrbHo, qTo
no3BoJlter BcecropoHHe pacKpbrrb r43yrraeMyro reMy. Padora A.C. lloxa.{aro3ofi
cocrol4T H3 BBeAeHt4fl., B KoropoM o6ocuonaHa aKTyaJlbHocrb reMbl, o[peAeneHbr
uenl4 u 3ailaHw I{CCIeAOBAHrLfl,, OTpaXeHbr tloJroxeHl,lt, BbIHOCI4MbIe Ha 3aI!I4Ty; Tpex
fJIaB, BKnloqarculne ceMb naparpaQoa, cBl3aHHo rloKar3bIBaIou_tr{x pa3JrnqHbre
cTopoHbI TeMbI trHCCepTaIII414; 3a.KJrK)r{eHr4r, B KOTOpOM rroABo,4rrcr HToru
BbITIOTHeHHO|O I4CCIeAOBA}jldfl; CrlllcKa HopMarr4BHbrx flpaBoBbrx aKToB,
c n eqpr aJTb nofi lHrep aryp br 14 rrpaBonpaM eH r4TeJr bHrcfr trp aKTr4r(r4.
3aclyNnnaer [oAAep)I(KI,I v 4amriefiurerr: pa3Bu'rufl aBTopcKoe perueHge
Borlpoca o correraHHl4 ny6luvuo-[paBoBbrx Lr qacrHonpaBoBbrx Har{an B
pefynl4poBa]F.ww orHollreHnfr, e cQepe o6s:arelrH:oro tregczoHHoro crpaxoBaHr{rr c
yr'racrr4eM HerocyAapcrBeHHbrx [eHcr{oHHbrx Son4oe (c.I2).
Kpoue roro cr eAyer rolAepx(arb rpeAnox(€)uHoe AuccepraHroM o[peAeneH r4 e
AoroBopa o6 o6r:arelbHoM treHci{oHHoM crpaxoBaHlz]a, BbrHeceHHoe A.C.
floxa'{arosoft B KaqecrBe IIoJIoxeH.[.rr Ha 3au]uly (n.6, c.l3), nocKoJrbKy B HeM
oTpaxarcTc.f, BCe CyUIeCTBeHHbre ycrrclBHr AoroBopil.
HecontreHHyro HayqHyro 3Har{HMocrb I4Meer BbrBoA o roM, rITo I4Hcrr4Ty.r
AOfOBOpa o6 06qsarerbHoM rreHcr40HHoM crpilxoBaHr4H cneAyer orHoclrTb r(
MexorpacneBblM (cMe[raHHrtlt) ilHcr]rrryraM pocc;HficKoro 3aKoHoAarenbcrea. f|p2sToM perynnpoBaHue ornoureunfi c ylracrqeM FrefocyAapcTBeHHbrx neHcr4oHHbrx
cTpaxoBaHH14 OCyUlecTBJrreTCt
orpac:reft ilpaBa: fpaxAaHCKoro,
QoH4on B o6r:are:rbHoM ileHCr4oHHoM
83aHMOCBr3aHHbrMH HOpMaMH CneAyrou-l14x
+
a T'aKXe flpaBaI(OHCTATYI{HOHHOfO, ATMI4H14CTPAT14BHOfO,
$UHAHCOEOT'O,
coquanbHoro o6ecner{eHr4, (c. 12_13; 77).
llpeAcraeJlter I4Hrepec rrpeA;ioxeHHar A,c. flora.{aroeofi cucreMar u3ar]HnfeHe3I4Ca rpaBoBofo pefynHpctr,aH|.fl AeflTeJrbFrocrr4 HefocyAapcTBeHHbrxneHcr.oHHr,rx soH40e, B r<oropofi uau60ree iloJrHo, no cpaBHeHr4ro c /rpyruvr,HccneAoBa[vrflMvr, orpa)I(eHo 4eficrnyroulee poccaiicxoe 3aKOHoAareJrbcrBo oAerrerrbHocrrr HefocyAapcrBeHHbrx rreHcr4oHHrix cpou40 n (c. 3 5 _3 7).
luccepraHT Ha Irporf,)KeHnu nceit pa6oru r3arparr4Baer 6oru,uroe KoJ,rqrrecrBocfIopHbIX BorlpocoB, Ha Koropble Aaer caMocrof,Tenbubre H apryMeHTupoBaHHbre
orBerbl' Tax, npu aHa]Ivrce opraHl43alllloHHo-r,panonofi Qopnarr ]rerocyAapcrBeHHbrx
[eHcl4oHHrtx SoH4oe A.C' lloKa'Ianc)Ba coBep[reHHo BepHo orMeqaer, qro <x HlIo.Aax(e B opfaHr{3arrr40HHo-[panoeofi sopvre aKri,.HepHofo oSulecrna,npeAbtBntrorct rroBbnueHuue rpe6oBaHVrr, r{To cBr4AereJrtcrnyer o6 ux oco6onacraryce fi ocraBrleHr4r4 B Kar{ecrBe OcHoBHOfi qern I4x Aer.feJIbHOCTr4 COUHanbHoe
o6ecne'{eHr.{e rpaxraH)> (c.45-4(t). paccua:rp HBafl Borrpoc o noprrAr(eaHBecrl4poBaHnt HaKo[ure,rrsotZ qacrw rteHc?ra HerocyAapcrBeHHbIMH[eHcl4oHHrtlua QoH aa*'' aBTop [PeAlaraer cBopI cnocodrr Aocrl4xeH yrr yBe,urte'r4rlAoxorHocrn HaKonarelruofi .9aern neHcwvr, ocHoBbrBarcb r1pg 3ToM HaronoxrrrenbHoM :apy6eNuoM orrbrre ( c.50_52).
oco6o cneAyer orMer'Tb B Teoper'r{ecKor\,{ nJraHe BTopy}o rnaByracceprarJvlt4' B xoropofr aBTop [ocJTeAoBareJTbHo r,r coBepueHHo BepHo npHXoAHT r{
BbIBoAy o rpaxAaHcxo-upanonofr cyil-rHocra AoroBopa o6 o6s:are,rrsoureHCr4oHHoM crpaxoBaHah (c.59_ I 53).
A'c' llorcaqanoBa B nepBoM naparpa0e nropofi rJraBbr oco6o cKpyryne3FrofIoAXoAHT K paccMorpeHr4ro upo6nevu pa3rpaHr4lretflfl ltoroBopa o6 o6n:areJTbHoMreucaoHHoM crpaxoBaHr4a c ny6tuugbrM AoroBopoM Ei Sanaucoeona [paBe v 0aAMaHHcrparHBHbIM AoroBopoM B aAMaHHcrparHEiHoM rrpaBe, AaBan noApo6uyroXAPAKTEPHCTTII(Y KAXAOMY TI3 OCHOB AgWfi OT.PAHI4I{ C)HVIN ,
Wcnom.:yx cpaBHl,rrenbHo-npaBoeofr Merorx r4ccrreArlB aHr4rr, ,qr4ccepraHTCOBCPIUCHHO APfYMCHTAPOBAHHO BbIICJI'CT TAKI4C CYUICCTBCHHbIC YCilOBUflAOfOBODA
5
o6 o6qsareJlbHoM rIeHcHoHHoM crpax oBatvrLr, KaK rrpeAMer AoroBopa - Aeficren.s
crpaxoBxll4Ka lio BblrlJiare HaKo[r4remuofi qacrlr rpyaoeofi [eHcr4u u (wm) cpouHoil
rleHcHoHHofi esrnrarbl I4JII4 eAliHoBpenreuuofi BbrrrJrarbr 3acupaxoBaHHoMy nt,rqy rtpu
Hacry[neHr4n crpaxoBofo crryqafl; yanoB]l1ln o 3acrpaxoBaHHoM nHrre
vIH4t4Bn[yarvrcarJvrfl ero npl43Har(oB; yr(a3aHkre Ha crpaxonofr clyvafi- Aoerr4xeHr.re
neHcr4oHHoro Bo3pacra (C. 122).
3aclyxznaer BHvrMa:n:atr rrpeAJroxeHlre ar]Topa o ueo6xo4aMoort4
c[euHaJrbHofo npaBoBofo pefynr,rpoBanvrfl afeHTcKofo AofoBopa B c$epe
oossarerrHoro rreHclloHHoro crpaxoBaHr4r (c. 128). A.C. llorcarraJroBa B xoAe pa6orr,r
c[paBeAnl{Bo ycraHaBrlI4Baer oco6euHocru AaHHoro Aoror]opa kr Aaer aBTopcKoe
orpeAeneHr4e ((AofoBopa rreHcuroHHofo afeFrrvrpoBaH%fl> (c. I 28-132).
Oco6yro reoperzr{ecKylo 14 [paKTnr{ecKyro 3HaquMocrb Hocrrr rperbr rnaBa
AI4ccepraIII4H. B nefi lHccepraHT 3arparr{Baer BaxHbre Bonpocbr onpeAeneHr4{
cnoco6os 3attll4Tbt HapyIUeHHbIX [paB rro AoroBopy o6 o5s:arelbHoM reHcr4oHHoM
crpaxoBaHllLr, a raKx(e orBercrBeHHocrb no Ha3BaHHoMy AoroBopy (c.154-181).
Cne4yer corJlacl4Tbct c raKrzMH npernox eHLrflMH Al4aoepraHTa, KaK
ycraHoBneHl'Ie urrpa$uofi neycrofircn n cnyqae Her4crroJrH eHyrfl t4rrvr HeHaAnexaurero
14cIIoJIHeHXfl ,{ofoBopa o5 o6s:arerbHoM reHcr4oHHoM crpaxoBaHr{H (c.158);
pac[pocrpaHeHl,Ie geitctBwx HopM o I(oM[eHearluvr MopanbHoro BpeAa Ha orHorrre1;';1r
IIo [PeAocraBJleHHIo rpaxAaHaM HerocyrapcrBeHHbrM]r [eHcr4oHHbrMH SoH4anau
ycnyr IIo o6ssarerbHoMy neHcplonHoMy crpaxoBanLrro (,:. 162); ycraHoBneHr4e
oof,3aHnocrl4 HerocyAapcrBeHHbrx rreHcr4oHHbrx Sou.qos crpaxoBarb cBoro
orBercrBeHHocrb rlo AoroBopy o6 o6q:are,'mFrol4 [eHcr.roHHoM crpaxoBaHrzg B
cnyqae HeAocraroqHocrl4 AeHexHbrx cpeAcrB A[rfl Bo3Me]lleHnr HaKonHTellHoiq,acrr4 rreHcr,ru (c. 1 78).
{Hccepraur c$opntynrlpoBan vr rpyrr4e apryMeHrrzrpoBaHHbre BbrBoAbr v
npeAnoxeHldfl,, 3acrry)KrrBarorqr4e noAAep)KKr4.
orMe'Iaq IIoiIoxI{TenbHbIe cropoHbr Ar4ccepraur4n, cneAyer BbIAerrHTb
Hel{oropble c[opHble IronoxeHr4fl,, rpe6yroulr4e [o.scHeHLrfl co cropoHbr Ar,rccepraHTa:
o
i ' /{accepranry cneAyer yror{Hr'rrb norrr{Ky paccy)KAeHur o npanonoff
cyllIHocrl4 rofoBopa o6 o6s:areJrbHoM rIeHcHoHuoM clpax oBalur4. {e,ro B ToM, qro
Al4ccepraHT npI4xoAHT I( BbIBoAy' t{To AaHIlt tfr 4oroeop orHOcHTcr [icKJTroqaTeJrbHo K
rpa)KAaHcKo-[paBoBbIM loroBopaM (uolox<euvre t9, Bbrr{ocalv{oe Ha :arrlrzry), Ho rrpr4
3roM yKa3blBaer' qTo I4HOTI{TyT AoroBopa o6 O6ggare,'IrHoN4 1ieHcr4oHHoM
CTpaXoBaHH14 oTHocHTct K MeXOTpaCJIeBLIM I4HCT'HTyTaM poccrziicxoro3aKoHoAarerlbcrBa (no,roxeuue 4, BbIHocHMoe ua :eLrqrar.y). AHarorg.rr-to 3ToMy
Ar{ccepraHTy cneAyer orrpeAenr4Tbcr: rBJrrer0r ril4 Hr{CTr4Tyr rofoBops 06o6q:arerI'uo\a
'teHcHoHHoM crpaxoBaHpILr HHcrr4TyroM rpaxAaHcKoro [paBa
(noloxeHws' 2 u 3, nltuocrlMble Ha 3aull4Ty), t't,tu 3To MexorpacneBo it uwcturyrpoccaftcrofo 3aKoHoAarenbcrea (norolr(eHue 4, arruocuMoe r{a :auinry).
2. luccepraHT He Aocraror{Ho apryMeHTr4poBan r4Aerc o roM) r{To HopMbr oAoroBope o1xzatetbHoro IIeHcI4oHHoro crpaxoBaHar o6pa:yror caMocrorrre:rrurrfrtrHcrwryr (noroNeunx 2, 3 w 4, BbrHocr4Mbr€ HO: 3arrirary). {e,ro B roM, qro An.s
o6oco6,reHur 3Toro BuAa AoroBopa crpaxoBaHufl B rlenufr rzHcraTyr seo6xoAunaonepeqacnHTb llpplHlll{nnanbHble orJ1nr{Ht AofoBopra o6 o6.q:arertHoM reHcHoHHoM
crpaxoBaHKvr or AoroBopa JTI4r{Horo crpaxoBaHl4t, AoroBopa crpaxoBaHul >KLr3Hrt 14
3AOpOBbr n lofoBopa cTpaxoBaHLrfl Ha AO)KHTr4e.
3. Bpra rr' MoxHo cornaaurbcr c aBTopoM, rroAAeprxrlBaroqr{M [peA,,roxeHue o
npH3HaHLIvI flpaBa co6creeHHocTn 3acTpaxoBaHHolo nnqa Ha HaKo[prTeJrbHyro LracTr)
rleHcHa' flpneo4x B Kar{ecrBe apryMelrra ((3a)) r+enocpe4cTBeHHoe yqacrr4erpaxAaHHHa e SopMHpoBaHHH cpeAcl'B, rlocry[arouJHX n HlIo, Ar4ccepraHr caM xeyKa3brBaer yr Ha loBonbr (rrpornn)> (c.79_79), xoropue rpeAcTaBJrrlorcrr nau 6oleey6e4rarelbHblMH. B 4racceprarJwu Bo[poc o6 onpe4eJTeHrzrq npaBa co6crnesHocrr4 r-{a
HaKoIIHTenbHyro qacrb rleHcI{t{ rlopoxAeH xeJraHneM o6ocuoearr llpuMeHer-rHe
fpaxAaHCKO-[paBoBofo [pIiHIIHrra HenpaKocHoBeHHOCTr{ Co6crneluHocrH K
paccMarpaBaeMoMy AoroBopy. flpunqanlt KaI( ocHoBHbre KoHrlelryaJrbHbie r4ileL1
lpaBa' 6e:yc,ronHo' oilpeAeJlf,ror cyulHocrb ecefi cracreMbr, orpacnu [paBa, oAHaKo,
c pasuofr crelleHbro nHTeHc14BHocrI4 nporBnrlrcTc-s Er oTilerrbHbrx aHcrr4Tyraxorpacntr' I*lpaHqan HelpaKocHoBeHHoclu co6crseHHoc'r]r4 uaw6c>ttee ltpKo
7
[pofBnteTct B HHcTATyTaX, HMeTOUIT4X BerrIHO-[paBOBOByrO rrpr4poAy, B
o6ssarerrcrBeHHo-npaBoBblx r4Hcrr4Tyrax ,Aanuuft ilplrHunn 4eficrnyer
orIocpeAoBaHHo.
4. VqHruBat, qro eropofi roA noApx4 llpaeureJrbcrBo P@ <:anaopaxr{Baer)
HaKOnHTeJIbHbIe IIeHCI{OHHbIe B3HOCbr, I4MeHHO Te, KOTOpbre t\4oxHo [epeAaTb B HnOIIo AoroBopy o6ssarerbHoro neHcuoHHoro cr]paxoBaHar, xoreJrocb 6rr y3Harb
MHeHI4e AIZCCepraHTa o [epc[eKTHBax pa3BkrTufl 3aKoHOAaTeJrbCTBa O AaHHOM
AoroBope, 3ror Bonpoc aKTyaneH eule v noroMy, qro ceft.{ac o6cyx4aercx Ha
ypoBHe nposunilrux Mr.rHr.rcrepcrB Bonpoc o Bo3MoXHOM [epexoAe Ha
4o6pononbHyro ct{creMy HaKonJleHvtit, r.e. [peBparqelvrw rreHcull B qacrHoe Aeno
Ka)KAO|O fpaxAaHr4Ha.
faunlte 3aMeqaHI,It Hoc.rIT .racrHrrfi xapiirflep w He BJrurror Ha o6ulyro
[onoxHTenbHyro oIIeHKy Al4cceprarlaoHHoro HccneAoBaqvrs A.C. llorca.{a-]rosofi.
{racceprarll4t HMeer KaK Teoperr4r{ecKoe, TaK r.r [paKTr4qecKoe 3HaqeHr.re.
TeoperHvecKoe 3HaqeHue Anceepra\r4w 3aKJrroqaercr B Bo3MoxHocrr4
LIcfIoJIb3oBaHVfl BbIBoAoB w [peAJloxeuuit orr{ocr4TeJrbHo npanonofi [pHpoAbr,
cyUIHocrI4 H Ha3Har{euufl AoroBopa o6 o1szareirbHoM 11eHcHoHHoM crpaxoBaH.,tl
Anr BocloJrHeHr.rfl npo6enon B r.InBHnr,rcruKe L{ co3AaHWn 6aZs Enfl ilanbuefiurnx
HayriHbIX I4ccJleAoBauuit n 4aHuofi o6racrn. llparrravecKoe - cocrolrr B ToM, r{To
peKoMeHAar*rvr l[ccepraHTa Moryr 6rrut yrireHbr B 3aKoHorBopvecxoff
AeflTenbHocTpl I4 HC[Onb3OBaHbI B [paKTr.{Ke |IperIoA aBaiHvrfl Evrcil\vilnuH fpa)KAaHcKO-
npaBoBofo rIHKna.
Anrope@epar pa6ortt coAepxl4T Bce KJ'rnqeBbre KoMrroHeHTbr, orrpeAenrr
cyulHocrb ar{anv3a, npoBeAeHHoro Ar.{ccepraHToM no r,rccneAyenaofi TeMe. OcHosulre
flonoxeHl4t AI4ACepTaIIHOHHO|O HCCneAOBaHHfl TilK)Ke HArJJrrvr cBoe orpa)Kerjr4e B
ony6nnxoBaHHbrx BoceMHaAqarr4 crarbrx, yerbrpre r43 Koroprrx ony6JrrzKoBaHbr B
peIIeH3I4pyeMbIX Hayr{HbIX v3/.aH]/^frx. Kpove roro a[p oSagwx Ar4ccepraqr4oHHoro
I4CCnenOBAHkrfl norrBepxAaercr yqacrr4eM A.C. llOXa.lalonofi B HayrtHbrx
KoHKypcaX, B ToM rII4cIe u MeXAyHapoAHbIX, a TaKXe aI(ToM o BHeApeHUfi
B
pe3ynbraroB AHccepraIII4oHHoro r4ccneroBaqlrtr B fy H; PO rto Caparoncxofi
o6nacru.
Ha ocHoeat:zu Ir3JIoxeHHoro Mo)KHo 3aKnF)qATb, rrro nr4ccepraqa:r <loroBop
o6 o6.f,garerrHo\4 ileHcI4oHHoM crpaxoBaHr{r4: rpa}KAa}{cxo-npanoaofi acrreKT)
coorBercrByer rpe6onaHlarna pa3Aena II lloroNeHarr o [pucyxA eHVu yqeHbrx
creneuefi (yre. flocrauoBreHl4eM llpaeu'renbcrBa PO or lL4 ceurx6pt 2013 r. 1119
842), a ee aBrop - Asua Cepreerua floxaqaroBa - 6e:ycronuo, 3acnyxr4Bael
flpHcyxAeHr4fl zcxonrofi yveHofi cre[eHu KaLr4z1ara rcpprAr.rqecKax Hayr( rroc[eUuaJIbHocrll 12.00.03 - rpaxAaHcKoe [paBo, npeAnpuHnMareJrbcKoe rpaBo,
cenaefruoe [paBo, MexAyHapoAHoe rracrHoe [paBo.
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