European banking law (wykład) - 2018/2019

Course description
General information
Lecturer:dr Piotr Pomorski
Organising unit:Faculty of Law, Canon Law and Administration - Instytut Europeistyki
Number of hours (week/semester): 2/30
Language of instruction:English
Course objective
Presentation of issues concerning banking law and its economic and legal conditions. Analysis of the European banking law. Presentation of key issues in the field of private banking law ( the rights and duties of parties to agreements concluded between a bank and its clients). Evaluation of relationship between the banking system and public authorities, with particular regard to the problem of proper supervision over the operational activity of banks.
It is advisable to gain knowledge of the European law (sources of law and their hierarchy), administrative law (supervision and administrative control), civil law (key issues in the field of contract law) and commercial law.
Learning outcomes
- knows basic terminology of banking law,
- has a basic knowledge of theory and practice of functioning of the banking system, especially in the area of formulation and application of the European banking law,
- has a basic knowledge of topical issues and developments in the field of banking law,
- knows connections between branches of law, related to a thorough study of banking issues (administrative law, civil law, commercial law)
- has practical knowledge on services - contracrs offered by banks (credit agreement, bank accounts agreement)
- knows how to protect depositors and banks against excessive banking risk; can distinguish security guarantees of bank\'s clients from those participating in parabanks\' operations
- is able to identify legal aspects of various activities of banks on the financial and economic level
- knows the construction of the most important types of bank contracts (bank accounts, bank loan and other loans)
Upon completion of the course student:
- is able to search, select and use scientific information and practical information on issues related to banking law
- is able to use required theoretical knowledge and to acquire data so as to analyze specific processes concerning banks (eg. harmonization and adjustment of banking regulations, influence of monetary policy on the banking and credit system, deposit and credit policy implemented by banks and authorities)
- has the ability to give arguments (using the views of other authors) and to formulate proposals of selected banking cases
- can determine legal consequences of the bank\'s activities (bank accounts agreement, cash settlement, bank loans)
- can perform basic mathematical calculations on interest, commission and other costs of banking activities

Upon completion of the course student:
- values the role of banking system in the market economy,
- knows the rights and duties of a client in the sphere of banking activities, is eager to engage in these operations as a party to bank contracts
- takes into account the importance of the customer\'s guarantee systems and the backgrounds of the banking sector; is aware of the dangers of parabanks\' practice
Teaching method
lecture, discussion, case study, statistical data analysis, team work
Course content description
1. The concept and importance of banks and the banking system. Legal characteristics of the European banking sector. Modes of creating banks - state, commercial and cooperative
2. Statutory rules of banking operations. Banking risk and its limitation.
3. Principles and tools for the protection of the banking system. Banking Guarantee Fund. Financial security network. Banking and Financial Supervision
4. Central banking. National Bank of Poland. European System of Central Banks. Other banks with unique status.
5. European banking law and jurisprudence - sources of law and basic principles
6. Concept and types of banking activities. Clearings and other payment services. Electronic banking.
7. Banking settlements and payment operations
8. Credit market. Legal description of contracts and credit procedures. Mortgage and lien.
9. Securities used in the economy of the bank - shares, bonds, bank securities.
Forms of assessment
Oral exam
Required reading list
Provided at the beginning of the course (available online)
Field of study: European Union Law
Course listing in the Schedule of Courses:
Year/semester:Year I - Semester 2
Number of ECTS credits: 3
Form of assessment: Grade