"Scientific research" Almanac

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  STATE AND PROSPECTS OF USING BANK CARDS AS PAYMENT INSTRUMENTS IN BULGARIA

  Modern payment systems, like all innovative solutions, strive to fully meet the technological capabilities and business requirements. Companies are increasingly using electronic tools as their primary means of payment and doing business. Today, the use of bank cards, electronic banking and online payment systems are the most preferred means for ... Modern payment systems, like all innovative solutions, strive to fully meet the technological capabilities and business requirements. Companies are increasingly using electronic tools as their primary means of payment and doing business. Today, the use of bank cards, electronic banking and online payment systems are the most preferred means for financial relationships between organizations, companies and citizens. This study aims to present the use of bank cards as one of the most promising tendencies in the development of electronic payments in the country. The main tasks of the study are to examine the current state and prospects for the implementation of bank cards in Bulgaria, the risks and problems facing these banking products, especially in the field of security, and to prepare SWOT and PESTEL analyses of this payment method. The main research thesis is that the new methods of electronic payments, including bank cards, mean provision of adequate banking services, maximally convenient and efficient for consumers, which increases their competitiveness. Based on the study, we can conclude that bank cards are becoming more prevalent in Bulgarian practice, but their application is related to solving a number of problems in terms of their security.

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  MODERN FORMS OF JOINT VENTURES

  The aim of the study is to define the basic theoretical and empirical aspects of the modern forms of joint ventures in Bulgaria. The authors have set several tasks: to study the status of the current legislation regarding these forms; to identify the main obstacles to their wider occurrence; and to offer ideas for their further development and ... The aim of the study is to define the basic theoretical and empirical aspects of the modern forms of joint ventures in Bulgaria. The authors have set several tasks: to study the status of the current legislation regarding these forms; to identify the main obstacles to their wider occurrence; and to offer ideas for their further development and effective implementation. The research thesis that is defended is that Bulgarian entrepreneurs are competitive with global companies and can establish their brands and know-how, and the advent of global franchise chains, the building of modern clusters and joint ventures in Bulgaria would help to promote the advantages of these business models. Based on the study the following key results are achieved: the conceptual formulations of the modern forms of joint ventures are theoretically summarized, the major modern forms for joint ventures in Bulgaria and the regulatory framework for their operation are highlighted and recommendations are made regarding the opportunities for wider application of the modern forms of joint ventures.

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  IMPACT OF THE SCHEME FOR CO-FINANCING INSURANCE PREMIUMS ON THE DEVELOPMENT OF AGRICULTURAL INSURANCE IN BULGARIA

  This study presents the results of an empirical research conducted in 2015 on the impact of the scheme for co-financing insurance premiums on the development of agricultural insurance in Bulgaria. The main objective is to study the impact of the scheme for co-financing insurance premiums of farmers on the development of agricultural insurance in ... This study presents the results of an empirical research conducted in 2015 on the impact of the scheme for co-financing insurance premiums on the development of agricultural insurance in Bulgaria. The main objective is to study the impact of the scheme for co-financing insurance premiums of farmers on the development of agricultural insurance in Bulgaria. The thesis statement is that subsidizing farmers through co-financing insurance premiums, which is part of the Common Agricultural Policy of the European Union, changes the ways of offering agricultural insurance, streamlines the services offered to farmers using insurance, improves the communication between companies and farmers and facilitates the search for information and the purchase of agricultural insurance by farmers. Balanced subsidizing of insurance premiums will lead to an increase in the development of the insurance companies and the market as a whole, and hence to achieving their strategic goals successfully. The thesis statement is proved by solving the following major tasks: - the data showing the state of agricultural insurance in Bulgaria is systematized and analyzed; - the dynamics of the development of agricultural insurance for the period after the introduction of the scheme for co-financing insurance premiums is studied; - the expected benefits to farmers, insurance companies and the state from continuing and expanding the scope of the scheme for co-financing insurance premiums are highlighted. It was found that more and more farmers show interest in the scheme for co-financing insurance premiums and benefit from it. As a result, the scope of agricultural insurance increases substantially.