"Scientific research" Almanac

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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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  STRATEGIC ASPECTS OF THE ELECTRONIC ADMINISTRATIVE SERVICE IN THE MUNICIPALITIES IN BULGARIA

  Digital transformation is a particularly relevant research topic due to the serious differences between individual countries – from the analysis of large data¬bases of information in leading countries to those significantly lagging behind in the process. The goal of this study is to formulate solutions for improving and acce¬lerating the digital ... Digital transformation is a particularly relevant research topic due to the serious differences between individual countries – from the analysis of large data¬bases of information in leading countries to those significantly lagging behind in the process. The goal of this study is to formulate solutions for improving and acce¬lerating the digital transformation of municipal administrations by providing strategic recommendations for optimizing their electronic administrative services. To achieve the goal, the following tasks have been assigned: 1) an assessment of the digital transformation in the European Union; 2) an examination of Bulgaria's strategic and regulatory framework for digital transformation; 3) a map of the current state of the electronic administrative services in the municipalities in Bulgaria; 4) an outline of challenges and guidelines for improving the electronic administrative services in the municipalities in Bulgaria. The article argues that in order to overcome the challenges of digitization in the municipal administrations in Bulgaria, it is necessary to optimize the processes in them. The conclusions and generalizations are based on a two-stage study conducted in the period May–September 2022 and on the basis of various scientific research methods: content analysis, critical analysis of documents, induction, and deduction. As a result of the conducted research, Bulgaria's progress in relation to electronic administrative services in municipalities has been reported, external and internal barriers have been identified, and guidelines for improving and accelerating the digital transition of municipal administrations have been systematized.

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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.