"Scientific research" Almanac

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  MODERN DIMENSIONS OF THE POLICIES AND STRATEGIES “ANTI-POVERTY” IN BULGARIA IN THE CONTEXT OF THE EUROPEAN SOCIAL MODEL

  Some fundamental problems underlined in the project are discussed. In so far as the volume allows, the basic theoretical and conceptual foundations of poverty its functions and types are affected. The focus is primarily on labor market flexibility, on economic activity and employment. The regions with the highest poverty in the country are ... Some fundamental problems underlined in the project are discussed. In so far as the volume allows, the basic theoretical and conceptual foundations of poverty its functions and types are affected. The focus is primarily on labor market flexibility, on economic activity and employment. The regions with the highest poverty in the country are justified. The most sought and implemented programs and measures for employment with the regions with the highest unemployment rates are disclosed. The emphasis is placed on their effectiveness. Based on the opinions of specialists dealing with the problems of areas with high level of poverty, some critical remarks about the effectiveness of their use are made. At the same time, policy problems of social assistance for poverty reduction are placed and processed. Programs for guaranteed minimum income and target energy assistance carried out to reduce poverty in the poorest regions are highlighted.

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  RESEARCH OF THE INFLUENCE OF FINANCIAL CRISIS ON THE MORTGAGE MARKET

  Bank lending is the main form for existence of the loans and mortgage loans had a key position. The rapid development of financial markets led to the creation of mortgage bonds and securitisation of loans. The large distribution of mortgage loans highly overpriced the property, and subprime mortgages are a precondition for the emergence of ... Bank lending is the main form for existence of the loans and mortgage loans had a key position. The rapid development of financial markets led to the creation of mortgage bonds and securitisation of loans. The large distribution of mortgage loans highly overpriced the property, and subprime mortgages are a precondition for the emergence of financial cris and transforming it into a global. The present work treats the mortgage lending – essence and factors; the market for mortgage loans in USA, Europe and Bulgaria in last 5 years; the condition and development of real estate market as research is supported by data from the practice of three lending commercial banks in Bulgaria - United Bulgarian Bank; DSK Bank and Unicredit Bulbank. The practical purpose of the research should not be ignored, it is found in the provided recommendations and conclusion about improvement of mortgage loans market and financial discipline of central and commercial banks.

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  PERSONAL FINANCE - THE PRIMARY UNIT OF THE FINANCIAL SYSTEM

  The implementation of the project “Personal Finance – the primary unit of the financial system” allowing to indentify the specific of personal finance areas of their formation and their relationship with other elements of the finan¬cial system. Conducted inquiry research found status and trends of a personal income and expenses and the ability of ... The implementation of the project “Personal Finance – the primary unit of the financial system” allowing to indentify the specific of personal finance areas of their formation and their relationship with other elements of the finan¬cial system. Conducted inquiry research found status and trends of a personal income and expenses and the ability of individuals to manage personal cash flows. The main thesis of research: Personal finance has a specific link to other elements of the financial system; depends on the cyclical nature of economic process; has a direct impact on the macroeconomic framework and requires specific personal knowledge to improve management efficiency” is proven. In the process of realization management’s personal finance is develop and the Center on management of the personal finance to the department “Fi¬nance” is build.