"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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  INVESTIGATION OF THE RELATION BETWEEN EXTERNAL COSTS AND ECOEFFICIENCY

  The development of reliable methodologies for assessing the harmful effects of production and consumption of goods and services on the environment is a major challenge to the scientific community. Along with the existing indicators, indexes and other measurement tools, in recent years relevant quantitative methods for evaluating these influences ... The development of reliable methodologies for assessing the harmful effects of production and consumption of goods and services on the environment is a major challenge to the scientific community. Along with the existing indicators, indexes and other measurement tools, in recent years relevant quantitative methods for evaluating these influences have become increasingly popular and much used. By increasing the reliability of these methods the topical question of how they are integrated into the assessment of eco-efficiency of goods and services has been put forward. The aim of this project is to offer a scheme using external environmental costs in the evaluation of eco-efficiency. For that purpose, after a detailed analysis of the results taken from various sources, this project offers the basic steps of the integrated circuit, as well as different approaches for assessing eco-efficiency at macro level, and the software used for this purpose and support systems for decision-making. Computations have been performed and concrete results have been obtained.

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  OPTIMIZING THE EFFECTIVENESS OF DIRECT MARKETING CAMPAIGNS USING DATA MINING

  In this article several data mining models, together with the conventional RFM model, are designed and applied for optimizing the effectiveness of direct marketing campaigns. Regardless of its popularity as a means for generating “optimal” target lists, RFM analysis is far from optimal solution. Applied on empirical data for one-year activities of ... In this article several data mining models, together with the conventional RFM model, are designed and applied for optimizing the effectiveness of direct marketing campaigns. Regardless of its popularity as a means for generating “optimal” target lists, RFM analysis is far from optimal solution. Applied on empirical data for one-year activities of an e-shop of electronic and home appliance technique, all data mining models surpass RFM model in predictive performance.