"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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  SPECULATIVE DECISIONS PRECISION ENHANCING TECHNIQUES ON THE EXCHANGE MARKET

  The realization of the instrumentation of technical analysis has been applied intensely in the field on the one hand and has suffered a relatively vague realization in Bulgarian academia on the other. This research paper focuses on the fundamental techniques of quantitative analysis that make possible the forecast of fluctuations in foreign ... The realization of the instrumentation of technical analysis has been applied intensely in the field on the one hand and has suffered a relatively vague realization in Bulgarian academia on the other. This research paper focuses on the fundamental techniques of quantitative analysis that make possible the forecast of fluctuations in foreign currencies quotations. The former relates to the main purpose of the current paper – to analyze the fluctuations in the market trend on the currency market and to reveal the potential of this specific approach to optimize the speculative decisions market players make. In order to achieve this purpose the following issues need to be resolved: systematization and characterization of the fundamental theoretical concepts on which contemporary analytical techniques are based; quantitative analysis of the market trend involving calculated indicators which include the basic price prerequisites.

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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.