"Scientific research" Almanac

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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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  INTEGRATION OF ECOLOGICAL AIMS IN THE LOCAL DEVELOPMENT POLICY ANT REGIONAL PLANNING IN BULGARIA

  The aim of this study is to be developed and approved methodology for integrating äî global environmental objectives into local development policy and spatial planning in Bulgaria. Object of research are the main documents of the United Nations, EU and national programs concerning environmental objectives and the methodology for regional ... The aim of this study is to be developed and approved methodology for integrating äî global environmental objectives into local development policy and spatial planning in Bulgaria. Object of research are the main documents of the United Nations, EU and national programs concerning environmental objectives and the methodology for regional planning on the level of planning regions, districts and municipalities. Subject of study is the adaptation of global environmental objectives in a framework methodology for planning and assessing the environmental impact of Structural Fund projects applicable to the creation of integrated products for local economic development. In the course of the study were examined key documents related to climate change, biodiversity, desertification and the need of their integration in the regional and local development. Training techniques are proposed, suitable for both municipal employees and civil society organizations. They are the basis for developing a training program to Centre for post-graduate and continuing education.

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  OPTIMISATION OF THE PRODUCTION COSTS – PRECONDITION FOR STABILITY AND COMPETITIVE POWER OF THE GRAIN PRODUCTION

  Grain production is a major sub-sector of Bulgarian agriculture and occupies an important place in Bulgarian economy. At national, regional and global scale, grain production will be of growing importance in relation to feeding the population and the production of biofuels. The economic and statistical survey of production costs in grain ... Grain production is a major sub-sector of Bulgarian agriculture and occupies an important place in Bulgarian economy. At national, regional and global scale, grain production will be of growing importance in relation to feeding the population and the production of biofuels. The economic and statistical survey of production costs in grain production gives opportunity to find reserves to reduce them to their optimal values, to reduce the unit cost and to increase the profitability of grain production. Part of the information used in the study is taken from official statistical publications, and the main body of data on production costs of grain production has been gathered from a questionnaire conducted among grain producers from Veliko Turnovo district. A number of statistical research techniques have been used in the present study – graphical and tabular methods, correlation analysis, representative method, average and relative values, index factor analysis and other.