Principles of Regulation of Payment Systems as a Tool to Reduce the Legal Risk of their Functioning

The paper is devoted to the consideration of the role of the principles of payment systems regulation in reducing the legal risk of their activities. The relevance of the issue under study is predetermined by the fact that amendments to the legislation on payment systems are made quite often, which increases the likelihood of legal risk. The purpose of the study is to assess the importance of the principles of regulation of payment systems for ensuring their proper functioning. The study describes a system of principles that reduce legal risk, analyzes the sources of legal risk, and proposes their classification depending on the mechanism of affecting the payment system. The application of the principles makes it possible to manage legal risk by directly and indirectly influencing the activities of the payment system and the entities that ensure its functioning. The author examines the legal model for introducing principles into the current regulation of payment systems. In particular, it is proposed to improve the monitoring mechanism through the introduction of qualitative and quantitative indicators of implementation of principles in the activities of payment systems.

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