Проблемы правового регулирования безналичных расчетов и перспективы их решения в условиях развития цифровой экономики

Abstract

The article is devoted to the analysis of the legal regulation of the field of cashless payments, as one of the key elements of the developing digital economy in Russia. Special attention is paid to such legal problems as incomplete terminology, lack of a systematic statement of the rules governing the implementation of settlements in the form of money transfers at the request of the recipient of funds (direct debit) and settlements in the form of electronic money transfers. The author concluded that the legal regulation of certain forms of non-cash payments is chaotic, which, of course, has its negative consequences in settlement relations. In addition, the article notes the particular importance of increasing the level of legal regulation of cashless payments in connection with Russia’s desire to reach a new level of economic development — digitalization, which is regulated by the strategic planning documents of Russia, in particular, by the Decree of the President of the Russian Federation of 09.05.2017 No. 203 “On the Strategy development of the information society in the Russian Federation for 2017—2030”. In this regard, non-cash payments, as the most convenient, automated and economical way of payments, play a particularly important role in the development of the digital economy in the country. The result of the study was the author’s recommendations for improving the terminological apparatus, for systematizing specialized legislation, as well as for the need to supplement the list of settlement (payment) documents.