"Scientific research" Almanac

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  ANALYSIS OF TOURISM CLUSTRS DEVELOPMENT

  Developments in the formation and functioning of the Bulgarian clusters are in its initial phase. Strongly supported by the state these business units increased rapidly in number. However, such issues arise as: “How clusters should be actually working in our economy?”, “In which sectors should be exercised influence in the direction of support ... Developments in the formation and functioning of the Bulgarian clusters are in its initial phase. Strongly supported by the state these business units increased rapidly in number. However, such issues arise as: “How clusters should be actually working in our economy?”, “In which sectors should be exercised influence in the direction of support clusters?” “Really bunches of companies are suitable model a competitive economy?” etc. The answers to these and other issues related to cluster will be received in the future. The fact is that in world practice, such entities are carried out, realized and will likely give very good economic and social outcomes, leading included enterprises and regions in which they operate, to economic prosperity. This project is a continuation of several previous studies concerning clusters on one side and tourism on the other. It comes to meet the scientific “intersection” of two research teams – those from the Departments of Industrial Business and Entrepreneurship and Commercial Business. Data collected by the project indicate many diverse processes in the field of clustering in the most attractive economic sectors in Bulgaria - tourism. They promise “interesting times” for those in clusters and for the policy-makers.

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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.