"Scientific research" Almanac

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  THE HYPOTHESIS ABOUT ACCESSION TO THE EUROPEAN BANKING UNION – OPPORTUNITIES AND DANGERS FOR BULGARIA

  The idea of creating a European Banking Union occurs in times of crisis after identifying some gaps in the activities of the existing establishments and institutions and their inability to ensure the smooth functioning of the banking sector in the European Union and in the Eurozone in particular. Over the last three years (2012 – 2015), a number ... The idea of creating a European Banking Union occurs in times of crisis after identifying some gaps in the activities of the existing establishments and institutions and their inability to ensure the smooth functioning of the banking sector in the European Union and in the Eurozone in particular. Over the last three years (2012 – 2015), a number of measures for the institutionalization of the European Banking Union have been taken. These measures have led to contradictory views and have raised a number of questions regarding opportunities and dangers of its application. The subject is topical so the study tries to clarify the need for the existence of the European Banking Union and revises the mechanism of functioning of the European Banking Union through its three pillars. In this context, controversial issues in terms of the practical applicability of the ideas underlying the European Banking Union are outlined, potential positive and negative results in case Bulgaria decides to join the Union are also clarified, and a recommendation on the issue is formulated. The thesis that is defended in the study is as follows: ‘centralization of the regulatory framework of bank supervision, crisis and post-crisis management through the European Banking Union is an objective necessity in order to ensure the smooth functioning of the EU banking sector.’ As a result of its defense, the identified gaps in the national legislation after the global economic crisis and taking into account the loss of institutional trust, including in the banking sector, undertaking timely steps for Bulgaria’s accession to the European Banking Union is regarded as a positive aspect to the banking sector and the national economy.

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  AGRICULTURAL ENTERPRISE MANAGEMENT IN TEACHING STUDENTS OF ECONOMICS

  When implementing the Common Agricultural Policy of the European Union the agricultural sector needs to have well-trained specialists to optimally expend the funds envisaged in order to meet the dynamic challenges facing it and contribute to achieving the goals of the Europe 2020 Strategy for smart, sustainable and inclusive growth. The purpose ... When implementing the Common Agricultural Policy of the European Union the agricultural sector needs to have well-trained specialists to optimally expend the funds envisaged in order to meet the dynamic challenges facing it and contribute to achieving the goals of the Europe 2020 Strategy for smart, sustainable and inclusive growth. The purpose of this paper is to study and outline the modern aspects of agricultural holdings management. It focuses on the following tasks: studying the theory and practice in terms of the management of agricultural holdings; identifying the problems that influence agricultural holdings management; evaluating the state of the agricultural sector in terms of the opportunities to conduct an economic survey in the field of agricultural holdings management; making recommendations and conclusions regarding the agricultural holdings management. The object of study is agricultural holdings. The subject of study focuses on the modern aspects of agricultural holdings management in teaching students of economics. The research thesis emphasizes the need that agricultural holdings should be managed by trained specialists, who are professionally and technically competent – a prerequisite for the development of the agricultural sector. The above stated is a reason to look for ways for better and high-grade training when preparing agricultural economists in the context of the Common Agricultural Policy of the European Union.

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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.