This diploma thesis deals with the topic of banking contracts. Banking contracts can be specified as contracts typically closed by the bank, along its business activity. The aim of this thesis is an analysis of an effective legal regulation of banking contracts. As from the point of common features of banking contracts, then also from the point of view of individual contract types. Although the diploma thesis is elaborated based on effective legal regulation of the Act No. 89/2012 Coll., the Civil code. The author tries, within the frame of each section, bring attention to the most important changes in comparison with the present legal regulation. The thesis is divided into two parts. The first one is dealing with common characteristic of banking contracts. The author defines the idea of bank contracts, summarizes relevant legal regulations and defines contracting parties. Intensified attention is given to a bank as to a typical subject, closing banking contracts on the side of the service provider on one side and to a consumer as a receiver of these services, based on his better protection on the other side. At the first section, the author also analyses contracts of adhesion. Because banking contracts very often obtain forms of the general and the blank contracts, the essay on these types of...

The increasing volume of bilateral trade between the Czech Republic and the Republic of Korea is the statistical fact. Korean companies employ many Czech workers. Korean companies cooperate with many subcontractors, that come from different legal environment. Czech managers communicate with Korean investors. In these interactions there is not only a possibility of conflict of different cultural traditions, but also legal culture. I seemed it therefore appropriate to examine what legal environment the Korean investors and business partners came from, and what misunderstandings may possibly arise from the lack of information. Another area of practical application of my work can be a legal relationship with an international element. If the parties choose the law applicable to their contract, it is essential for the actors of the contract to be aware of differences in the jurisdictions considered. The Korean law was influenced by both continental legal system and Anglo-American legal system. Moreover, there are still noticeable the residues of traditional Chinese law, and he later developed traditional Korean law. Due to these different influences, the current Korean law is interesting from a theoretical point of view, too. The source for this work is the Korean commercial and civil act and the Czech Commercial and Civil Code. Whereas I have never learned Korean, I was studying Korean laws in their English translation. In my comments I would like to suggest basic differences between the Czech and Korean law. I hope that my work will provide enough information for the theoretical understanding of the differences and similarities of Korean and Czech legislation.

O presente trabalho apresenta a análise dos estatutos bancários aprovados na década de 1850 no Brasil Império, considerando a trama de negociações entre o governo central e os governos provinciais, bem como a forma de inserção do Brasil na economia mundial do Século XIX, liderada pela hegemonia britânica e por ela influenciada, de modo a identificar a evolução do direito comercial brasileiro com vistas ao desenvolvimento jurídico do tema bancário durante a década proposta. / This essay regards the analysis of Brazilian banks bylaws as approved by the Brazilian Empire during the decade of 1850, taking into account the plot which developed the negotiations between the central government of the Empire and the regional political powers in Brazil, as well as analyzing the insertion of the Brazilian economy in the global market of the nineteenth century, as such market was mainly controlled and biased by the world hegemony established by Great Britain, in order to identify the evolution of Brazilian commercial law in connection with the development of the legal banking system during the proposed decade.

Eastern and southern Africa, a region that is home to a twentieth of the world’s population, accounts for half the number of people living with HIV globally, including an increasingly drug resistant Tuberculosis epidemic. The high mortality and untold human suffering associated with HIV in the region during the late 1990s and early 2000s has mostly been mitigated by a rapid scale up of national HIV treatment programmes over the past decade, largely made possible by generic competition from Indian pharmaceutical manufacturers. The sustainability of treatment programmes in the region depends on various factors. National HIV treatment programmes are largely financed by multilateral donor mechanisms which are facing a decline in funding for the first time in the history of the AIDS response. Indian pharmaceutical manufacturers are increasingly encountering patent barriers stemming from the country’s implementation of its intellectual property obligations under the World Trade Organisation’s TRIPS Agreement. As eastern and southern African countries increasingly focus on local pharmaceutical production and south-south co-operation as vehicles for treatment sustainability, this thesis examines the extent to which public health related flexibilities present in the TRIPS Agreement can be used to as enablers of affordable treatment, both in domestic intellectual property legislation, and relevant regional platforms. The thesis undertakes case studies of the policy and legislative environment in two countries with very different profiles: The United Republic of Tanzania as a least developed country with a nascent local pharmaceutical manufacturing industry and South Africa, as the country with the largest pharmaceutical industry on the continent present the full range of country profiles in the region. Conclusions are drawn regarding the optimization of legislative and policy frameworks to facilitate both the importation and local production of health technologies. Finally, the thesis explores challenges and opportunities facing various south-south co-operation initiatives in the region.

Geographical indications assumed prominence in terms of juridical development and economic importance with their inclusion in the TRIPS Agreement. Due to their nexus with place of origin, the importance of agricultural GIs has increased manifold. Pakistan has a strong agriculture-based economy. It has many valuable GIs, like Basmati rice, with significant trade worth billions of dollars. Nevertheless, not a single GI has been registered in Pakistan due to factors such as the inadequacies in the present system of protection of GIs in Pakistan, institutional weaknesses and the absence of an active role of the state. This thesis argues that a sui generis law for the regulation of agricultural GIs will facilitate better protection of GIs and economic development in Pakistan provided that it is also accompanied by the necessary institutional reforms. Pakistan is making efforts to enact a separate GI law for better protection of its GIs. However, there are administrative hurdles and institutional incapacities in Pakistan which need to be reformed. Examples have been taken from the sui generis laws of the EU and India in the discussions on legislative and institutional reforms in Pakistan. The EU and Indian sui generis laws have shown better protection of their GIs resulting in the registration of hundreds of their GIs and economic development. The situation in neighbouring India was the same as is currently found in Pakistan until 2003 when it introduced its sui generis law; it has now registered hundreds of GIs. Besides literature reviews, interviews have been conducted with public and private sector stakeholders to gain an insight into the weaknesses and strengths of the system of protection of GIs in Pakistan, as well as potential reforms. Based on the findings, a sui generis law and institutional reforms for better protection of agricultural GIs and economic development in Pakistan are proposed.

Saudi Arabia and Islam have had a very close relationship since the establishment of Saudi Arabia. Thus, Saudi Arabia chose Islam to govern all its laws. Since 1952, with the discovery of oil, the country has witnessed a huge development including the establishment of the Saudi Arabian Monetary Authority (SAMA) as a Central Bank. SAMA was expected to only allow financial activities that did not conflict with the teachings of Islamic law, as stated in its Charter. However, since its existence, SAMA has supervised and licensed conventional banks that charge Riba (interest or usury) and all the regulations made by SAMA have been designed to deal with conventional banks. Consequently, there is a difference between the law, Islamic law, and the practice. Over the years a dramatic improvement in Islamic finance has been realised. Many countries and international organisations that specialised in Islamic finance have set especial regulations that suit such finance. Nonetheless, Saudi Arabia as a regulatory body preferred not to join this trend and continued adopting and practising the same regulations that were made for conventional finance. This thesis seeks to develop the regulatory framework towards Islamic finance by sheding light on the legal challenges and difficulties that may encounter Islamic finance in Saudi Arabia, which may prevent the Kingdom of Saudi Arabia from being the leading country for developing Islamic finance. To help in identifying these challenges, an Islamic financial product Sukuk (Islamic bonds) is chosen to be a case study to show some of the challenges in practice. The thesis firstly discusses Islamic principles toward finance, then the legal environment of Saudi Arabia and how Islamic finance is practised in the Kingdom. It then introduces the new development in the legal environment in response to the Saudi Vision 2030 which can be a tool to help solving the obsricales that Saudi Arabia is encountering. Then the thesis discusses some challenges related to sharia boards in financial institutions, such as not having sharia governance as part of the corporate governance of financial institutions that market their products as being compliant with sharia law; in addition, the absence of a Central Sharia Board that should help in ensuring the conformity of financial products to sharia law. The thesis proposes that the regulators should develop and adopt especial regulations framework that could help the development of Islamic finance. The thesis defines Sukuk and shows how it differs from other financial instruments in conventional finance. Then, it identifies some of the challenges that face Sukuk and its development in the country. Moreover, it looks at a very recent development in the Saudi legal system, which is in response to the Saudi Vision 2030 and the recent interest that was shown by decision-makers, such as the Chairman of the CMA, the Minister of Commerce and Industry, the Deputy Minister for Internal Trade, and also both the Governor and Vice-Governor of the SAMA, in response to the Vision 2030 which could contribute to the development of Islamic finance. As far as the researcher is aware, hardly any studies have addressed this issue with respect to the new development that Saudi Arabia is currently witnessing in response to the Saudi Vision 2030 and the recent developments taking place in neighbouring countries which broadly share similar cultural and religious values. Finally, the thesis proposes some recommendations to develop Islamic finance including some guidelines for establishing a Central Sharia Board, and also, a sharia supervisory governance for Islamic financial institutions which should have a positive effect on Islamic finance in the country.

O conhecimento constitui bem jurídico, passível de tutela tanto sob a ótica da criação - por meio dos direitos de propriedade intelectual - quanto sob a ótica da sua utilidade econômica - juntamente com os demais elementos intangíveis do estabelecimento empresarial. Questão amplamente debatida e objeto de controvérsia é a destinação desses bens intangíveis por ocasião do afastamento de um sócio da sociedade empresária. Discute-se se esses bens devem integrar a base de cálculo dos haveres do sócio afastado. Neste trabalho, pretende-se oferecer resposta a essa indagação. Para tanto, analisaremos de que maneira são formadas as dimensões patrimoniais da sociedade - capital social, patrimônio líquido e estabelecimento -, as diversas hipóteses de extinção parcial do vínculo societário, o conteúdo econômico dos elementos intangíveis integrantes do estabelecimento e a natureza jurídica do eventual pagamento por esses bens ao sócio que se desliga da sociedade. / Knowledge is legally protected both as a creation - by means of intellectual property rights - and as na economic asset - jointly with the other intangible components of the goodwill. A highly controversial topic concerning this issue is the treatment given to these intangible assets when a shareholder or partner decides to withdraw from the company. Should such intangible assets be included in the appraisal rights of the withdrawing party? This study aims at attempting to answer this question by analyzing the development of the equity dimensions of a company; the different reasons for a partner and/or shareholder to withdraw; the economic features of intangible assets; and the legal nature of a possible payment made to the withdrawing partner and/or shareholder in consideration of said intangible assets.

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<p>Sammanfattning</p><p>Bredbands- och digital-TV-marknaden växer kraftigt och det är av stor betydelse ur konsumentsynpunkt att företagen tillämpar skäliga avtalsvillkor. I denna uppsats granskas ett antal standardavtal utfärdade av företagen på respektive marknad. Företagen vars villkor vi analyserar är Universal Telecom, Glocalnet och Tyfon Svenska AB som tillhandahåller bredbandstjänster, samt Viasat, Boxer och Canal Digital, som levererar digital-TV. Det rör sig i dessa fall om ensidigt upprättade standardavtal där konsumenten inte har möjlighet till individuell förhandling. Syftet med uppsatsen är att bringa klarhet i hur man går tillväga vid en oskälighetsbedömning av villkor i standardavtal riktade till konsumenter samt vilken lagstiftning som till övervägande del används inom området. Vi vill även utreda om dessa avtal innehåller oskäliga avtalsvillkor samt i förekommande fall presentera vilka slags oskäliga avtalsvillkor det rör sig om.</p><p>Vid en oskälighetsbedömning skall hänsyn tas till god sed, tvingande konsumentskyddande lagstiftning, allmänna tvingande rättsprinciper, dispositiv lag samt om obalans uppkommer till följd av en avtalsbestämmelse. Avtalsvillkoren får heller inte vara vilseledande eller otydligt utformade.</p><p>De lagar som främst tillämpas på dessa marknader är AVLK, EkomL, KkL och KtjL. De två sistnämnda lagarna är dock inte direkt tillämpliga utan får tillämpas analogt.</p><p>Vid ingången av arbetet misstänkte vi att det kunde vara svårt att hitta oskäliga avtalsvillkor i så stora företag som vi faktiskt valt, men i samtliga av de granskade standardavtalen förekom oskäliga avtalsvillkor. En gemensam nämnare för företagen är att deras avtal innehöll villkor som på ett eller annat sätt oskäligt begränsade konsumentens rätt till ersättning, s.k. ansvarsbegränsningsklausuler. Alla företagen har även villkorsändringsklausuler som bedömts som oskäliga eftersom de ger näringsidkaren ensidig rätt att ändra i villkoren avseende pris, tjänst eller dylikt.</p><p>Villkor som föreskriver formkrav vid uppsägning, reklamation eller andra meddelanden återfanns i inte mindre än tre av de granskade företagen. Detta är anmärkningsvärt eftersom det med stöd av förarbetena till KkL och tidigare avgöranden har bedömts som oskäligt en längre tid. En del av de undersökta bolagen försöker utnyttja sig av force majeure-klausuler för att slippa prestera sin del av avtalet. Force majeure är omständigheter som det inte kan rådas över, exempelvis krig och naturkatastrofer. Många av företagen utvidgar innebörden till att innefatta även andra omständigheter som ligger inom kontrollsfären.</p>