The status of a consumer partnership as one of organizational and legal forms of juridical entities, that is also one of organizational and legal forms of citizens’ more active participation in state-management and their personal needs satisfaction is determined in the article. The norms of the Civil Code and the State Code of Ukraine, the Law of Ukraine “On Cooperation” and the “On Consumer Cooperation” are analyzed. According to the mentioned documents an independent, democratic citizens’ organization who unite in order to conduct common management for the sake of improving their economic and social status on the basis of voluntary partnership and mutual support are considered to be a consumer partnership. The above mentioned regulatory legal acts provide for different features of consumer partnerships. The features of consumer partnerships provided by current legislation are not civil and legal in their nature. Such a situation has become a legacy of the fact that the principles of legal regulation of the system of consumer partnerships, formed in the USSR, has not almost been changed yet. The very fact is that there is a need to develop a new legal model of consumer partnerships, which structure will take into account modern tendencies of the development of European legislation. It’s possible to formulate a list of civil and legal features of consumer cooperative partnerships that will distinguish them among any other partnerships. Namely they are: non-entrepreneurial legal status of consumer partnership; sufficiency of the main rights of the members of a partnership; subjects of property right of the members of a partnership; responsibility of the members of a partnership for obligations of a consumer partnership. All these features allow us to distinguish consumer partnerships as a separate organizational and legal form of non-entrepreneurial partnerships. The following definition of a consumer cooperative partnership can be proposed: it is a non-entrepreneurial cooperative partnership which members have a right for a concern. The size of this concern is determined as a set of unit and additional contributions. The members are liable within the value of the unit and are entitled to profit within the limits determined by law. Key words: cooperative, consumer partnership, features of consumer partnerships.

Prevention and counteraction to money laundering by bank clients are the most important links in the fight against money laundering among all entities of primary financial monitoring: reports of banks on suspicious financial transactions account for 96-98 % of the total number of reports to the State Financial Monitoring Service of Ukraine. An important step in further development and improvement of the system of prevention and counteraction to money laundering of the banks clients is its evaluation and identification of weaknesses. Cash transactions and cash flows through the accounts of bank clients are the most risky group of services of banking institutions in terms of money laundering. The analysis of statistical characteristics of the series of dynamics of cash turnover, turnover of funds on accounts at the request of economic entities, turnover of funds on accounts at the request of individuals of 96 banks of Ukraine showed that banks in which activity the National Bank of Ukraine (NBU) detect fraudulent operation with signs of money laundering, have significantly higher values of the coefficient of variation of cash flows, on average 46 %, compared to banks in which the NBU did not detect fraudulent operations, but did detect violations, for which it applied measures of influence, and in comparison with banks to which no measures of influence were applied. The results of the analysis proved that the coefficient of variation can be used as an indicator of the level of risk of money laundering by the bank clients, which allows to significantly facilitate and reduce the duration of analysis of bank financial performance within rapid testing for money laundering.

УДК 351.713(477) Сикал М. М., кандидат юридичних наук, доцент кафедри адміністративного, цивільного та господарського права і процесу, Академія Державної пенітенціарної служби, м. Чернігів, Україна ЩОДО НОРМАТИВНО-ПРАВОВОГО РЕГУЛЮВАННЯ ДІЯЛЬНОСТІ ОРГАНІВ КОНТРОЛЮ У статті досліджено питання нормативно-правового забезпечення діяльності контролюючих органів, проаналізовано різні точки зору вчених на доцільність прийняття нормативно-правових актів, в яких у майбутньому визначались би напрями контрольної діяльності, принципи, форми, перелік суб'єктів та процедуру здійснення контролю. У статті надано пропозиції щодо правового регулювання питань організації та функціонування органів контролю. Ключові слова: контроль, орган контролю, правові засади організації і здійснення контролю.

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