"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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  DEVELOPMENT OF A CONCEPTUAL MODEL FOR SYSTEM APPROACH FOR INTERNATIONAL MARKET SELECTION

  Market selection process is one of the milestone decisions in the strategic management. Despite its importance usually decisions are intuitive. With the development of the technology and digitalised economic processes, companies will need a formal and systematic, qualitative and quantitative analysis for international markets. There are two basic ... Market selection process is one of the milestone decisions in the strategic management. Despite its importance usually decisions are intuitive. With the development of the technology and digitalised economic processes, companies will need a formal and systematic, qualitative and quantitative analysis for international markets. There are two basic conceptions in the project – scientific and training. The scientific one stands on the successful experience of foreign researchers and companies on international market selection. The training one stands on the application of the “Learning by doing” method and sharing personal experience.

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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.