"Scientific research" Almanac

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  TRENDS AND CHALLENGES TO MOTOR INSURANCE IN THE CONDITIONS OF DYNAMIC ECONOMIC DEVELOPMENT

  The present study focuses on the results of a survey on car insurance in Bulgaria carried out in 2018, under project No.6-2018 at the Institute for Scientific Research. The main objective of the survey is to outline the state of the motor insurance market in Bulgaria after the adoption of the Insurance Code. Emphasis is placed on the state and ... The present study focuses on the results of a survey on car insurance in Bulgaria carried out in 2018, under project No.6-2018 at the Institute for Scientific Research. The main objective of the survey is to outline the state of the motor insurance market in Bulgaria after the adoption of the Insurance Code. Emphasis is placed on the state and development of premium income and insurance benefits. The thesis is that motor insurance is a decisive factor for the formation of premium income and the development of insurance companies. The thesis has been proven by solving the following important tasks: - outlinå the state and trends in the development of the insurance market for the period 2005-2017; - outline the state and trends in the development of motor insurance for the period 2005-2017; - outline the relationship between the automotive sector and the motor insurance performance indicators for the period 2005-2017. Based on the study, the following important results were achieved: the rate of growth of premium income and insurance payments on the insurance market lagged behind that of the motor insurance. The pace of development of Casco insurance outpaced the pace of developing Motor Third Party Liability insurance. Proposals were formulated to solve the problems in the research findings. Within the survey period, the average insurance premium on motor insurance was on the increase, as well as the scope of motor insurance.

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  SOCIO-ECONOMIC DEVELOPMENT OF THE BULGARIAN DANUBE REGION – TRENDS AND PROSPECTS

  The aim of this research paper is to examine and analyse the trends and prospects in the socio-economic development of the Bulgarian Danube region in the period between 2010 and 2017. The thesis of the paper is that, because of the changes that the socio-economic development of the Bulgarian Danube region has undergone, there are clear trends and ... The aim of this research paper is to examine and analyse the trends and prospects in the socio-economic development of the Bulgarian Danube region in the period between 2010 and 2017. The thesis of the paper is that, because of the changes that the socio-economic development of the Bulgarian Danube region has undergone, there are clear trends and considerable potential for progress. The objectives of the research are: 1. To examine the economic development of the districts in the Bulgarian Danube region. 2. To identify major demographic issues in the Bulgarian Danube region. 3. To assess the labour market in the districts in the Bulgarian Danube region. 4. To analyse the social development in the districts in the Bulgarian Danube region. 5. To study the level of poverty in the Bulgarian Danube region, its current condition and trends in its development. The main conclusion of the practical research we have conducted is that unfavourable trends in the demographic development of the administrative districts in the Bulgarian Danube region, increasing unemployment and reducing the average wage in the sectors of the social sphere are the result of both the natural population mobility and migration processes and the economic situation in the country. The poverty level in the region is close to the average poverty level for the country, yet, the specific features and the dynamics of its development require a differentiated approach in order to cut poverty and boost economic security at a regional level.

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  CHALLENGES TO INTERNATIONAL BUSINESS IN THE EUROPEAN UNION

  The technical and economic paradigm of the information age since the beginning of the 21st century has led to new structures and processes in the international business in the European Union. In the economic sense, this is a prerequisite for deepening the division of labour, increasing its productivity and expanding the sphere of the use of ... The technical and economic paradigm of the information age since the beginning of the 21st century has led to new structures and processes in the international business in the European Union. In the economic sense, this is a prerequisite for deepening the division of labour, increasing its productivity and expanding the sphere of the use of capital. The consequences for the European Union concern all the enterprises on the path to internationalization. We believe that the challenges to them are related to the changes imposed by modern information and communication technologies and the realities of the new millennium. The purpose of this paper is to present the trends and the challenges in areas important for the international development of companies in the European Union that are affected by the modern changes, namely: energy as the basis for the development of the industries that have directed their efforts abroad; international investment as an important factor for a country's prosperity and an increase in exports and the labour market, providing the necessary human resources for the success of internationalizing business organizations. This purpose should be achieved by solving the research tasks related to revealing the latest theoretical formulations on the subject under consideration and highlighting the trends in the studied areas. The main research thesis is that the knowledge gained in the study of the fields important for the international development of the European Union companies: energy; foreign direct investment and the labour market can be seen as a technical, economic, managerial and, above all, strategic instrument aimed at maintaining and enhancing the national and international competitiveness of international business organizations and the achievement of economic growth in each member-state and the whole Union. As a result of the research, we have come to the conclusion that changes require action in order to adapt to the dynamics caused by a number of factors: technological, economic, political, socio-demographic and psychological factors. Using all provided opportunities can foster the prosperity of businesses abroad, economies of the countries and the industry of the European Union as a whole.