Academic literature on the topic 'The sale of goods as a commercial contract'

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Journal articles on the topic "The sale of goods as a commercial contract"

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Emre Ay, Yunus. "Passing of Risk in Convention on the International Sale of Goods." Teisė 119 (June 21, 2021): 173–80. http://dx.doi.org/10.15388/teise.2021.119.11.

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Passing of risk is an indispensable issue of contract of sale transactions. It determines which party bears the loss or damage of goods. This issue is more important in international commercial transactions than in national contract of sale transactions. Therefore, CISG lays down rules on passing of risk. CISG Articles 66–70 regulate passing of risk provisions. The purpose of this paper is to analyse CISG Articles 66–70.
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Moore, Henry. "UNCONVENTIONAL “SALES”." Cambridge Law Journal 75, no. 3 (2016): 465–68. http://dx.doi.org/10.1017/s0008197316000738.

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IN business, it is desirable to have certain law that makes good commercial sense, and helpful to know what fundamental concepts like “a contract of sale of goods” actually mean. The Supreme Court in PST Energy 7 Shipping LLC and another v OW Bunker Malta Ltd. and another (“The Res Cogitans”) [2016] UKSC 22 grappled with precisely this question.
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Moghaddam Abrishami, Ali. "Should Iran join the United Nations Convention on Contracts for the International Sale of Goods?" Uniform Law Review 25, no. 4 (2020): 634–63. http://dx.doi.org/10.1093/ulr/unaa015.

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Abstract After 40 years of the United Nations Convention on Contracts for the International Sale of Goods (CISG), it is still controversial whether the CISG has been a successful uniform law in practice. It is, nevertheless, evident that the number of ratifications of the CISG has been increasing. This article aims to highlight the important question of whether Iran should implement the CISG. In addition, it argues that irrespective of the possible ratification of the CISG, the Iranian contract law needs to be modernized. In particular, advantages and disadvantages of the possible adoption of
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Dudaš, Atila. "Conformity of goods and guarantee in Hungarian law: Example of transposition of Directive 1999/44/EC by amending the general rules of contract law." Zbornik radova Pravnog fakulteta, Novi Sad 54, no. 3 (2020): 1043–64. http://dx.doi.org/10.5937/zrpfns54-29420.

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In 2002 Hungary transposed the Directive 1999/44/EC on certain aspects of sale of consumer goods and associated guarantees, by amending the Civil code of 1959, rather than integrating the rules of the Directive into the then-effective Law on the Protection of Consumers of 1997. Such an approach reveals some advantages if compared to the Serbian law. Namely, in Serbia the former Law on the Protection of Consumers of 2010 introduced special rules pertaining to conformity and guarantees in consumer sales contracts. Consequently, the need arose to limit their scope of application from the general
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Djieufack, Roland. "Conformity of goods to the contract of sale under the OHADA Uniform Act on General Commercial Law." Uniform Law Review - Revue de droit uniforme 20, no. 2-3 (2015): 271–95. http://dx.doi.org/10.1093/ulr/unv017.

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GARDAZI, SYED MUDASSER FIDA, MUHAMMAD ASIM IQBAL, and HAFIZ MUHAMMAD USMAN NAWAZ. "Price Reduction in Vienna Sales Convention and Compatibility Check in Sale of Goods Act of Pakistan." International Review of Management and Business Research 10, no. 1 (2021): 367–74. http://dx.doi.org/10.30543/10-1(2021)-32.

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Price reduction is one of the civil law remedies incorporated in the Vienna sales convention. On the other hand, Pakistan is neither the signatory of the convention nor its national sales law posses this remedy. Therefore a research is highly required to fill this vacuum and find out a solution for international buyer who is involved in trade with parties in Pakistan. Thus the study aims to investigate the suitability of price reduction in compatibility with existing legal regime. The study reveals the raison d'être in contract making via relative analysis of the existence of price reduction a
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Kovač, Mitja. "Duty to renegotiate in international commercial law and uncontemplated behavioural effects." Maastricht Journal of European and Comparative Law 27, no. 4 (2020): 445–64. http://dx.doi.org/10.1177/1023263x20937212.

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This paper explores possible uncontemplated effects and behavioural implications created by duty-to-negotiate provisions in international instruments. More precisely, the paper considers how five different international instruments approach the subject, namely the Convention on Contracts for the International Sale of Goods (CISG), UNIDROIT Principles of International Commercial Contracts (PICC), Principles of European Contract Law (PECL), Draft Common Frame of Reference (DCFR) and Common European Sales Law (CESL). The extent to which these international and European legal instruments correspon
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Manzhula, A., and V. Kuripko. "FEATURES OF CONCLUSION OF AGREEMENTS IN THE FIELD OF ECONOMIC AND TRADE ACTIVITY." Scientific notes Series Law 1, no. 10 (2021): 30–33. http://dx.doi.org/10.36550/2522-9230-2021-10-30-33.

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The article is devoted to the legal analysis of the peculiarities of concluding agreements in the sphere of economic and trade activity. The article emphasizes that among the civil law contracts, which are the basis for the obligation, a special place is occupied by the trade and economic contract. It is noted that the trade and economic agreement does not mean a separate type, but a set of agreements with a number of such inherent qualities that necessitate to establish within the general rules of contract law rules common to business agreements only - deliveries, contracts for capital constr
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Ahmadi, Majid Reza Arab, Mostafa Elsan, and Ibrahim Noshadi. "Comparative Study of Bill of Lading Function as Title Document." Journal of Politics and Law 10, no. 1 (2016): 188. http://dx.doi.org/10.5539/jpl.v10n1p188.

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One of the new transformations in the scope of maritime transportation about shipping documents includes non-paper (electronic) maritime transport documents. Three principal functions of a bill of lading in maritime transportation comprise receipt of carriage of good, reason for carriage contract, and title document. The majority of studies are about to realize the functions of carriage receipt and reason for carriage contract within substitution of electronic documents, such as replacement of paper bill of lading with an electronic bill of lading. While there is not the same conclusion about
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Kartyshev, D. V. "TRANSFORMATION OF THE INSTITUTIONAL BASE OF WORLD CARGO TRANSPORTATION." Economic innovations 19, no. 2(64) (2017): 124–28. http://dx.doi.org/10.31520/ei.2017.19.2(64).124-128.

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The practice of international merchant shipping and the practice of international trade in goods are interrelated at different levels - from historical to the level of a separate treaty. Here, contracts for the purchase and sale of goods, transportation, insurance, financing, transport and warehouse documents of title are intertwined and interact. The necessary degree of awareness in these issues is an indispensable condition for both successful business activity and for solving the problems of unification of maritime and commercial law. The process of the unification of law began primarily in
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Dissertations / Theses on the topic "The sale of goods as a commercial contract"

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Alkhadhari, Abdulwahab. "Remedies for the breach of a commercial contract for the sale of goods : a comparative analysis between the English Sale of Goods Act 1979 and the Contract of Sale of Goods in Saudi Law." Thesis, University of Stirling, 2018. http://hdl.handle.net/1893/28672.

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This thesis focuses on remedies for a breach of the Contract of Sale of Goods under English and Saudi law, wherever the Contract is in the course of business. The primary aim of the thesis is to describe and analyse those remedies and how each of the above legal regimes has dealt with breaches. For this purpose, the remedies must be analysed to identify differences and similarities between the two regimes, while at the same time highlighting the weaknesses and strengths of each. In addition, the reasons why the two legal systems have adopted their respective approaches in favouring specific re
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Al-Janabi, Mohammed Qasim Kareem. "Fundamental breach in international commercial contracts in the CISG, English and Egyptian law." Thesis, Glasgow Caledonian University, 2014. https://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.687422.

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The main purpose of the research is to investigate and analyze the concept of fundamental breach of contract in international commercial contracts, and how its inclusion in Iraqi civil law can promote a more effective approach to contractual disputes between Iraqi companies and international partners. Additionally, it aims to raise awareness of the practical value of the application of the concept of fundamental breach in managing contractual disputes involving common and civil law, and ultimately provide a valid contribution to academic knowledge that promotes enhanced understanding of this c
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Yazdani, Majid. "The place of international sale of goods under Iranian law theory and practice /." Thesis, National Library of Canada = Bibliothèque nationale du Canada, 2000. http://www.collectionscanada.ca/obj/s4/f2/dsk2/ftp02/NQ59160.pdf.

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Dupont, Alain. "Non-Pecuniary loss in commercial contracts: with special emphasis on the United Nations Convention on Contracts for the International Sale of Goods (CISG)." Master's thesis, University of Cape Town, 2014. http://hdl.handle.net/11427/4601.

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Ruangvichatron, Jumpita. "Breach of contract in international sale of goods : an evaluation of the 1980 Vienna Sales Convention and the 1994 UNIDROIT principles as compared with English law and the (US) Uniform Commercial Code." Thesis, University of Exeter, 1999. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.302569.

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Nwafor, Ndubuisi Augustine. "Comparative and critical analysis of the doctrine of exemption/frustration/force majeure under the United Nations Convention on the Contract for International Sale of Goods, English law and UNIDROIT principles." Thesis, University of Stirling, 2015. http://hdl.handle.net/1893/21805.

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This thesis attempts to critically and comparatively analyse the doctrine of exemption/frustration /force majeure under the United Nations Convention on the Contract for International Sale of Goods (CISG) the UNIDRIOT Principles of International Commercial Contracts (UNIDROIT) and the English Law. The doctrine of exemption/frustration/force majeure is very important in the area of contract and commercial law, it is a doctrine deeply rooted in fairness and allows a party to be excused from performing an obligation in a contract if at the conclusion of the contract an inhibition beyond the fores
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Oosthuizen, Beverley-Claire. "Rights, duties and remedies under the United Nations Convention on Contracts for the International Sale of Goods: an investigation into the CISG's compatibility with South African law." Thesis, Rhodes University, 2009. http://hdl.handle.net/10962/d1003206.

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This thesis analyses the compatibility of the United Nations Convention on Contracts for the International Sale of Goods (CISG) with the South African law of sale. An initial examination of the historical development of the CISG reveals its ambitions of becoming the primary source of law governing international contracts of sale. The goal of this research is to determine whether South Africa should ratify the CISG. The CISG has been ratified by most of the leading trading States in the world. In order to gain a better understanding of the advantages and disadvantages of ratification, a compara
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Marchand, Sylvain. "Les limites de l'uniformisation matérielle du droit de la vente internationale : mise en oeuvre de la Convention des Nations Unies du 11 avril 1980 sur la vente internationale de marchandises dans le contexte juridique suisse /." Bâle [u.a.] : Helbing & Lichtenhahn, 1994. http://www.gbv.de/dms/spk/sbb/recht/toc/278947883.pdf.

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陳科汝. "CISG中的風險轉移問題研究". Thesis, University of Macau, 2011. http://umaclib3.umac.mo/record=b2537435.

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Yusoff, Mahanoon. "Implied terms in the contract of sale of goods." Thesis, University of Edinburgh, 2000. http://hdl.handle.net/1842/26069.

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This thesis is a study of the origin and development of the law of implied warranties in the United Kingdom and Malaysia. The first chapter is on the consensual contract from which the doctrine of implied warranties originated and developed. Chapter two traces the historical background of England in order to understand the influences that went into the masking of the doctrine of implied warranties in the country. Chapter three takes a look at the law in Scotland before and after 1856 and the process of the codification of the Sale of Goods Act 1893. A further development of the implied warrant
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Books on the topic "The sale of goods as a commercial contract"

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Dietrich, Maskow, ed. International sales law: United Nations Convention on Contracts for the International Sale of Goods : Convention on the Limitation Period in the International Sale of Goods : commentary. Oceana, 1992.

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Jeffrey, Lee. Commercial: Contracts (Rights of Third Parties) Act (Cap 53B), Sale of Goods Act (Cap 393), Sale of Goods (United Nations Convention) Act (Cap 283A), Supply of Goods Act (Cap 394), Unfair Contract Terms Act (Cap 396). LexisNexis, 2003.

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Duca, Louis F. Del. Problems and materials on sales under the Uniform commercial code and the Convention on International Sale of Goods. Anderson Pub. Co., 1993.

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Crystal, Nathan M., and Charles L. Knapp. Rules of contract law: Selections from the Uniform commercial code, the Convention of Contracts for the International Sale of Goods, and the Restatement (second) of contracts : with material on contract drafting and sample examination questions and answers. Little, Brown, 1993.

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Contracts for the sale of goods: A comparison of domestic and international law. Oceana, 2004.

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Contracts for the sale of goods: A comparison of domestic and international law. 2nd ed. Oxford University Press, 2008.

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1933-2007, Schlechtriem Peter, ed. Commentary on the UN Convention on the International Sale of Goods (CISG). 3rd ed. Oxford University Press, 2010.

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Gabriel, Henry D. Practitioner's guide to the Convention on Contracts for the International Sale of Goods (CISG) and the Uniform Commercial Code (UCC). Oceana Publications, 1994.

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Torsello, Marco. Common features of uniform commercial law conventions: A comparative study beyond the 1980 uniform sales law. Sellier European Law Publishers, 2004.

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United States. Congress. Senate. Committee on Foreign Relations. U.N. Convention on Contracts for the International Sale of Goods: Report (to accompany Treaty doc. 98-9). U.S. G.P.O., 1986.

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Book chapters on the topic "The sale of goods as a commercial contract"

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Cerqueira, Gustavo. "The Unidroit Principles of International Commercial Contracts in the Sino-European Sale of Goods Contracts." In International Sale of Goods. Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-54036-8_8.

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Anagnostopoulou, Despina. "The Withdrawal of the Common European Sales Law Proposal and the European Commission Proposal on Certain Aspects Concerning Contracts for the Online and Other Distance Sales of Goods." In The Future of the Commercial Contract in Scholarship and Law Reform. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-95969-6_6.

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Clarke, MA, RJA Hooley, RJC Munday, LS Sealy, AM Tettenborn, and PG Turner. "12. Performance of the contract." In Commercial Law. Oxford University Press, 2017. http://dx.doi.org/10.1093/he/9780199692088.003.0012.

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This chapter considers the duties of the seller under the Sale of Goods Act 1979 to give a good title to the goods he sells. The seller has a duty to deliver the goods in accordance with the terms of the contract of sale. Unless otherwise agreed, the seller must be ready and willing to give possession of the goods to the buyer in exchange for a certain amount. The chapter first explains the meaning of the term ‘delivery’ before discussing the duties of the seller to deliver the goods and to give a good title. It also examines the provisions of the Sale of Goods Act relevant to the sale of a limited title and the implied warranties as to freedom from encumbrances and quiet possession. Finally, it describes the statutory duties of the buyer to take delivery, to accept the goods, and to pay the price.
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Baskind, Eric, Greg Osborne, and Lee Roach. "10. An introduction to the sale of goods." In Commercial Law. Oxford University Press, 2019. http://dx.doi.org/10.1093/he/9780198825975.003.0010.

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This chapter discusses the law relating to the sale of goods, which lies at the heart of commercial law and regulates sales of different kinds from domestic retail to cross-border Internet transactions. Sale of goods law also lies at the heart of other aspects of commercial law, such as the law of agency, where agents are often appointed solely for the purpose of selling their principal’s goods. Contracts for finance and for insurance are further examples of transactions that often depend on the sale of goods for their entire purpose. It must be noted that a contract of sale is still a contract, even if it has special features. Therefore, all elements for establishing the contract must be present, these being offer, acceptance, consideration, certainty, and the intention to create legal relations.
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"Definition of contract of sale of goods." In Cavendish: Commercial Lawcards. Routledge-Cavendish, 1997. http://dx.doi.org/10.4324/9781843144595-2.

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Baskind, Eric. "1. Introduction to contracts of sale of goods." In Commercial Law Concentrate. Oxford University Press, 2017. http://dx.doi.org/10.1093/he/9780198803843.003.0001.

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Each Concentrate revision guide is packed with essential information, key cases, revision tips, exam Q&As, and more. Concentrates show you what to expect in a law exam, what examiners are looking for, and how to achieve extra marks. This chapter provides a general introduction to sale of goods law in the UK. It explains the sale of goods contract, why there is a different framework for these types of contract under English law, and the specific legislation for contracts of sale of goods and other relevant transactions. The chapter considers the statutory definitions for contract, property, and goods, and discusses the distinction between sales and agreements to sell, between specific goods and unascertained goods, and between existing goods and future goods. The chapter introduces and provides an analysis of the Consumer Rights Act 2015 which subsequent chapters then build upon. Finally, it examines contracts other than of sale of goods.
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Baskind, Eric. "1. Introduction to contracts of sale of goods." In Commercial Law Concentrate. Oxford University Press, 2019. http://dx.doi.org/10.1093/he/9780198840619.003.0001.

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Each Concentrate revision guide is packed with essential information, key cases, revision tips, exam Q&As, and more. Concentrates show you what to expect in a law exam, what examiners are looking for, and how to achieve extra marks. This chapter provides a general introduction to sale of goods law in the UK. It explains the sale of goods contract, why there is a different framework for these types of contract under English law, and the specific legislation for contracts of sale of goods and other relevant transactions. The chapter considers the statutory definitions for contract, property, and goods, and discusses the distinction between sales and agreements to sell, between specific goods and unascertained goods, and between existing goods and future goods. The chapter introduces and provides an analysis of the Consumer Rights Act 2015 which subsequent chapters then build upon. Finally, it examines contracts other than of sale of goods.
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"Definition of contract of sale of goods." In Commercial Lawcards 2010-2011. Routledge, 2010. http://dx.doi.org/10.4324/9780203858011-9.

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"Definition of contract of sale of goods." In Cavendish: Commercial Lawcards 4/e. Routledge-Cavendish, 2004. http://dx.doi.org/10.4324/9781843145462-4.

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Fox, D., RJC Munday, B. Soyer, AM Tettenborn, and PG Turner. "12. Performance of the contract." In Sealy and Hooley's Commercial Law. Oxford University Press, 2020. http://dx.doi.org/10.1093/he/9780198842149.003.0012.

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This chapter considers the duties of the seller to give a good title to the goods he sells and physically to deliver those goods to the buyer in accordance with the terms of the contract of sale. The chapter also examines the provisions of the Sale of Goods Act 1979 relevant to the sale of a limited title and the implied warranties as to freedom from encumbrances and quiet possession. Finally, it describes the statutory duties of the buyer to take delivery, to accept the goods, and to pay the price.
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Conference papers on the topic "The sale of goods as a commercial contract"

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Deynekli, Adnan. "Field of Application of United Nations Convention on Contracts for the International Sale of Goods." In International Conference on Eurasian Economies. Eurasian Economists Association, 2015. http://dx.doi.org/10.36880/c06.01265.

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United Nations Convention on Contracts for the International Sale of Goods (CISG) entered into force on the 1st August 2011 in Turkey. CISG is accepted with the purpose of development and encouragement of international trade and application of uniform rules for resolution of disputes arising from the contracts for the international sale of goods. CISG applies to contracts of sale of goods between parties whose places of business are in different states when the states are contracting states; or when the rules of private international law lead to the application of the law of a contracting stat
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Topaloğlu, Mustafa. "Evaluation of New Provisions Regarding Sales and Commercial Sales Amended by New Turkish Code of Obligations the Context of Vienna Convention." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.00982.

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Intendment of the paper herein, to evaluate of new provisions regarding sales and commercial sales amended by new Turkish Code of Obligations numbered 6098 in the context of Vienna Convention on Contracts for the International Sale of Goods which is effective since 01 January 1988. It has a significance to be able to understand why the provisions of the convention have not been completely quoted to Turkish Code of Obligations. Turkish Code of Obligations' numbered 6098, Vienna Convention on Contracts for the International Sale of Goods and Provisions of Vienna Convention on Contract for the In
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Kocev, Ljuben. "THE IMPACT OF COVID-19 ON THE PERFORMANCE OF INTERNATIONAL COMMERCIAL CONTRACTS FOR THE SALE OF GOODS – FORCE MAJEURE AND HARDSHIP." In Economic and Business Trends Shaping the Future. Ss Cyril and Methodius University, Faculty of Economics-Skopje, 2020. http://dx.doi.org/10.47063/ebtsf.2020.0012.

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The outbreak of COVID-19 has had massive negative impact across all industries and fields in the entire world. While the negative health impact is slowly stabilizing, the economic impact is in full effect and the harm is yet to be evaluated. On macroeconomic level, the necessary measures for combating the pandemic which were undertaken by governments have significantly restricted international trade. On microeconomic level, merchants and businesses are faced with inability or extreme obstacles in their daily operations and particularly in performing their international sales contracts. Failure
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Topaloğlu, Mustafa. "Avoidance of the Contract at International Sales of Goods." In International Conference on Eurasian Economies. Eurasian Economists Association, 2015. http://dx.doi.org/10.36880/c06.01258.

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Avoidance the Contract is a kind of legal system arrangement which is adopted as a private law enforcement applied effortlessly, in the context of not to be performed delivery of goods in accordance with the contract. Merely, International Tendency in 20th century have fronted that avoidance of the contract is the “ultimum remedium” in the case of any breach of the contract. In several of modern sale law systems, for instance in German Law and Scandinavian Law systems, avoidance of the contract is a process which should be applied in the case of other enforcements are inadequate. The “Conventi
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Özel, Çağlar, and Dila Okyar. "The Liability of Seller for the Conformity of the Goods in Contracts of Sale According to United Nations Convention on Contracts for the International." In International Conference on Eurasian Economies. Eurasian Economists Association, 2015. http://dx.doi.org/10.36880/c06.01217.

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In practice, breach of contract cases mostly involve controversies over the failure of the seller to deliver conforming goods in accordance with the contract. Article 35 CISG defines the obligation of the seller to deliver conforming goods in a very broad and uniformed manner as it states that, the seller must deliver goods which are of the quantity, quality and description required by the contract and which are contained or packaged in the manner required by the contract. CISG provides two criteria for the assessment of the non-conformity of goods. One of them is called “subjective” criterion
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Zdraveva, Neda. "DIGITAL CONTENT CONTRACTS AND CONSUMER PROTECTION: STATUS QUO AND WAYS FURTHER." In EU 2021 – The future of the EU in and after the pandemic. Faculty of Law, Josip Juraj Strossmayer University of Osijek, 2021. http://dx.doi.org/10.25234/eclic/18313.

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One of the effects of the COVID-19 crisis is the significant acceleration of e-commerce. The number of companies and the varieties of products in the online markets increased, as well as the numbers of consumers and consumers’ segments diversification. The e-commerce in pandemic times offered clear benefits and opportunities for the consumers. It also created situations where the lack of confidence in e-commerce may intensify. This comes from the consumers’ uncertainty on their key contractual rights and it is particularly a case when it comes to the contracts for supply of digital content and
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Deynekli, Adnan. "Payment against Documents in International Trade." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.01164.

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As compared to internal trade, international trade involves several risks, which can be specified as commercial, physical, political and legal risks. Cash against documents (documentary collection) is a type of payment method applied to reduce the legal risks in a transaction. This payment method is a reassuring way for the Importer, since he is not under any obligation to make a payment before examining the document and confirming its conformance to the terms of order. Cash against documents is more reliable than cash against goods (open account) on the one hand, but less reliable than letter
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Mathew, Anil, Mitch Crook, Keith Chaney, and Andrea Humphries. "Bioethanol Production From Canola Straw Using a Continuous Flow Immobilized Cell System." In ASME 2012 6th International Conference on Energy Sustainability collocated with the ASME 2012 10th International Conference on Fuel Cell Science, Engineering and Technology. American Society of Mechanical Engineers, 2012. http://dx.doi.org/10.1115/es2012-91061.

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Global cultivation of canola increased by approximately 22% between 2000 and 2009, due to increased demand for canola oil for biodiesel production and as an edible oil. In 2009 over 290,000 km2 of canola was cultivated globally. In contrast to oilseed, the commercial market for canola straw is minimal and it is generally ploughed back into the field. The high carbohydrate content (greater than 50 % by dry weight) of canola straw suggests it would be a good feedstock for second-generation bioethanol production. There are four major steps involved in bioethanol production from lignocellulosic ma
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Reports on the topic "The sale of goods as a commercial contract"

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Payment Systems Report - June of 2020. Banco de la República de Colombia, 2021. http://dx.doi.org/10.32468/rept-sist-pag.eng.2020.

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With its annual Payment Systems Report, Banco de la República offers a complete overview of the infrastructure of Colombia’s financial market. Each edition of the report has four objectives: 1) to publicize a consolidated account of how the figures for payment infrastructures have evolved with respect to both financial assets and goods and services; 2) to summarize the issues that are being debated internationally and are of interest to the industry that provides payment clearing and settlement services; 3) to offer the public an explanation of the ideas and concepts behind retail-value paymen
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