This law defines the legal regime regulating personal property liens established to ensure compliance liabilities and legal regime of origin, publication and exercise of other rights of businesses and individuals in relation to personal property [8]. Resolution of the National Bank of Ukraine "On Approval of the procedure for the formation and use of allowance for losses on credit operations of banks "of 06. 07. 2000 N 279 (the latter edition from 28.12.2008 on the basis z1206-08). In order to improve reliability and stability of the banking system, the protection of creditors and depositors of the National Bank of Ukraine established procedure for the formation and use of the reserve for possible losses on credit operations of banks. [12]