Constitutional Foundations of Financial Law

Authors

  • Fabiola García Merino Universidad Femenina del Sagrado Corazón, Perú
  • Fernando Merino Núñez Pontificia Universidad Católica de Perú

DOI:

https://doi.org/10.26439/advocatus2025.n045.8448

Keywords:

financial system, protection of savers, banking supervision, freedom of contract, free competition, consumer protection

Abstract

The constitutional foundations of financial law develop the pillars on which the financial system is structured. The authors believe that it
is relevant to review such in order to consider and incorporate them into the solutions to be managed in the face of the challenges currently
affecting the financial system and its agents, such as the use of technology, education and financial inclusion. In the Peruvian case, this article highlights that the 1993 Political Constitution stipulates that the State must guarantee the public's savings through the correct functioning of the financial system, mainly by establishing mechanisms to protect savers with the sole purpose of creating confidence in the use of the system and basing the participation of the system and the private sector on economic pluralism, free contracting and competition.

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Author Biographies

  • Fabiola García Merino, Universidad Femenina del Sagrado Corazón, Perú

    Abogada por la Universidad Femenina del Sagrado Corazón, Lima. Master of Laws (LL.M.) con especialidad en servicios financieros por la University of London, Reino Unido. Doctora en Derecho por la Universidad San Ignacio de Loyola, Lima. Profesora en la Universidad Femenina del Sagrado Corazón, Universidad de Lima y Universidad San Ignacio de Loyola.

  • Fernando Merino Núñez, Pontificia Universidad Católica de Perú

    Abogado por la Pontificia Universidad Católica de Perú. Maestria en Docencia para la Educación Superior en la Universidad Andrés Bello, Chile. Profesor en la Pontificia Universidad Católica del Perú y Universidad Peruana de
    Ciencias Aplicadas

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Published

2025-12-04

Issue

No. 045 (2025)

Section

Especial

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite

Constitutional Foundations of Financial Law. (2025). Advocatus, 045, 133-144. https://doi.org/10.26439/advocatus2025.n045.8448