Problems of legal regulation of the form of the loan agreement in the civil legislation of Ukraine

In the article the author investigates the legal regulation of the form of the loan agreement as a transaction and a document. In examining the written form of the loan agreement, the author argues that the written form of the agreement should be understood as a contract whose content is information expressed in letters, signs, numbers, hieroglyphs, or any signs and symbols that can be applied by chemical compounds or mechanically , the value of which is known to persons who use it, which does not depend on the specific type of media, is guaranteed to ensure the integrity of the content of the contract, and allow to identify its parties. In the article the author proves the imperfection of the norms of Article 1047 of the Civil Code of Ukraine. According to the author, not only the effect of Article 1047 of the Civil Code of Ukraine on the form of the loan agreement applies to the loan agreement as a transaction, but also the effect of Articles 206 and 208 of the Civil Code of Ukraine on the written form of the transaction. In order to save legislative material and eliminate inconsistencies between the provisions of Articles 208 and 1047 of the Civil Code of Ukraine, the author proposes amendments to remove from Article 1047 of the Civil Code of Ukraine special rules on the written form of this agreement, which are different from Article 208 of the Civil Code. In turn, due to the imperfection of Article 208 of the Civil Code of Ukraine, in terms of the amount of the contract, which requires a written form, the author proposes to replace the reference in this article of the Code to the tax-free minimum income for another indicator that changes more frequently, and more responsive to existing in the country inflation or by fixing in law a specific amount, which the legislator may periodically change if necessary. The author also considers the state of legal regulation in Ukraine of the procedure for concluding a contract by electronic means of communication. Given their imperfection, the author considers it appropriate to group the basic rules on the procedure for concluding such transactions in Chapter 16, Section IV of the Civil Code of Ukraine. The author also considers it inexpedient to have in part twelve of Article 11 of the Law of Ukraine «On Electronic Commerce» norms that equate an electronic agreement concluded by exchanging electronic messages to an agreement concluded in writing. Keywords: contract, transaction, document, contract form, transaction form, document form.