Abstract

In recent years, the regulation of economic conditions of banking contracts has undergone a significant change. New rules were issued on remuneration of credits and overrunning, value date, secondary costs of payment services, costs for the information provided to clients and credit assessment. These rules can be regarded as the «sketch of a new drawing» of transparency. This drawing is based on the distinction between «price» and «expenses» and reduces the expenses chargeable to clients, so that the overall cost of services do not exceed - as rule - their price. This approach is intended not only to make agreements more understandable to clients, but also directly to promote efficiency in the industry.