Non-Banking Financial Organization – Victim of the Offences Provided for in Art. 238 of the Criminal Code of the Republic of Moldova

Abstract

In the present study is analyzed the non-banking financial organization as a victim of the offences provided for in Art.238 of the Criminal Code of the Republic of Moldova, article that sanctions the obtaining of credit/loan by fraud, insurance compensation or indemnity. In the research are analyzed several normative acts of reference for the incriminating text recorded in Art. 238 of the Criminal Code of the Republic of Moldova. Several research methods were used to develop the study, including: the logical method, the comparative method, the systematic method, the historical method. It is demonstrated that cannot be victims of the offences specified in Art.238 of the Criminal Code of the Republic of Moldova those entities that grant credits and/or loans (other than banks or saving and loan associations),but which are not non-banking financial organizations. This category includes: pawn shops; payment service providers (payment companies, companies issuing electronic money).