"Scientific research" Almanac

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  SOCIO-ECONOMIC CHARACTERISTICS AND OPPORTUNITIES FOR CONVERGENCE OF LIFE INSURANCE AND MARKET-ORIENTED SOCIAL INSURANCE

  The object of research is the life insurance market and the social insurance market in Bulgaria, and its subject is related to the outline of their organisational and economic characteristics, state, dynamics of development. Despite their independence, these markets are related. They complement and compete with each other and have a common aim – ... The object of research is the life insurance market and the social insurance market in Bulgaria, and its subject is related to the outline of their organisational and economic characteristics, state, dynamics of development. Despite their independence, these markets are related. They complement and compete with each other and have a common aim – to offer greater security to citizens in modern society. The purpose of research is focused on exploring the possibilities of their convergence. In order to realise this purpose, the following tasks are defined: - outlining the organisational and economic characteristics of life insurance and market-oriented social insurance; - studying parameters of the products offered on the life insurance market and social insurance market in Bulgaria; - revealing the specifics of the life insurance market and the social insurance market in Bulgaria and tracking the dynamics of their development; - outlining the directions for convergence of the insurance market and the social insurance market. The research thesis defended by the team is that finding similarities between the insurance market and the social insurance market allows to outline the possibilities for their organisational development and social cohesion through the borrowing of good practices and complementing each other.

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  MACROPRUDENTIAL POLICIES – A FACTOR FOR FINANCIAL STABILITY IN THE BALKAN COUNTRIES

  The scope of the present study covers the macroprudential measures and policies applied in the countries of the Balkan Peninsula, undertaken to prevent financial risks and achieve financial stability in the period 2016-2020. The purpose of the study is to examine the scope, structure and depth of the applied on the economies of the countries of ... The scope of the present study covers the macroprudential measures and policies applied in the countries of the Balkan Peninsula, undertaken to prevent financial risks and achieve financial stability in the period 2016-2020. The purpose of the study is to examine the scope, structure and depth of the applied on the economies of the countries of the Balkan Peninsula in the post-crisis period, macroprudential policy and macroprudential instruments. The main thesis that the author team will try to defend is that, despite the differences in the economies of the Balkan countries and the divergence in the pace of development, the introduction and improvement of the various categories of macroprudential instruments, all the countries of the region are oriented towards the convergence of the macroprudential packages of measures – mainly, the already Basel III harmonization on minimum capital requirements. This convergence in the implementation of macroprudential policies is related to the common regulatory framework in the EU and the aspiration of non-EU Balkan countries to join the EU, which could happen after minimizing systemic risks and achieving the minimum macroprudential objectives. In order to achieve the thus formulated thesis, the authors set the following research tasks: to derive the essential characteristics of the macroprudential framework; to present in a theoretical aspect the experience of the Balkan countries in the implementation of macroprudential policies; to examine and analyze the applied supervisory measures in the Balkan countries.

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  DEVELOPMENT OF TOURISM DESTINATION BULGARIA THROUGH THE EXPERIENCE ECONOMY

  Based on creativity, technology and innovation, the experience economy finds wide application in creating new experiences for users of tourism services. Experience-enhanced specialized forms of tourism have the potential to meet the specific interests and needs of tourists, adding additional value for them. Questions about tourism development ... Based on creativity, technology and innovation, the experience economy finds wide application in creating new experiences for users of tourism services. Experience-enhanced specialized forms of tourism have the potential to meet the specific interests and needs of tourists, adding additional value for them. Questions about tourism development through the economy of experiences are particularly relevant given the need to adapt destination Bulgaria to the new economic reality and consumer expectations. The main research thesis is that the tourism destination Bulgaria can offer an innovative tourist product, using the opportunities of the experience economy when utilizing the available tourist resources for the development of specialized forms of tourism. The current paper aims to explore the strategic possibilities for tourism destination Bulgaria's development through the experience economy. The following tasks are solved to achieve the goal: a theoretical analysis of the experience economy and the management of tourism destinations is carried out, the resources for the development of specialized forms are analyzed, an empirical study of the possibilities for integrating the concept of the experience economy into the product of tourism destination Bulgaria is carried out. As a result of the research, opportunities and guidelines for the development of tourism destination Bulgaria through the experience economy have been outlined.