"Scientific research" Almanac

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  ASSESSING CAPITAL ADEQUACY OF INSURANCE COMPANIES IN BULGARIA AND THE IMPACT OF THE NEW INSURANCE CODE ON THE ACTIVITIES OF INSURANCE INTERMEDIARIES

  This study presents the results of a survey conducted in 2016 of the assets and liabilities of insurance companies in Bulgaria. The main purpose of the study is to outline the state of the insurance market in the Republic of Bulgaria and the opportunities for improving the activities of insurance intermediaries under the new Insurance Code. It ... This study presents the results of a survey conducted in 2016 of the assets and liabilities of insurance companies in Bulgaria. The main purpose of the study is to outline the state of the insurance market in the Republic of Bulgaria and the opportunities for improving the activities of insurance intermediaries under the new Insurance Code. It argues that the implementation of the new Insurance Code will increase the financial stability of insurers and will improve the activities of insurance intermediaries. The thesis is proved by solving the following major tasks: - data showing the state of the insurance market in Bulgaria are classified and analyzed; - the dynamics of development of the assets and liabilities of insurers is studied; - the coverage of the solvency margin and guarantee capital of insurance companies in Bulgaria are outlined. The findings are that insurance companies in Bulgaria are financially stable and able to fulfill their insurance obligations. As a result, the credibility of insurers is significantly increased and insurance awareness could be raised

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  POTENTIAL FOR DEVELOPMENT OF MARKETING NETWORKS IN THE TOURISM SECTOR IN BULGARIA

  Over the last decade the study of inter-company networks in marketing science has become topical. The concept of these formations is developing, and their manifestations in practice define their specificity and seek opportunities for their development in economic sectors. Being one of the strategic priorities of the national economy, tourism ... Over the last decade the study of inter-company networks in marketing science has become topical. The concept of these formations is developing, and their manifestations in practice define their specificity and seek opportunities for their development in economic sectors. Being one of the strategic priorities of the national economy, tourism creates conditions for the emergence of marketing networks, which are the subject of this study. The main purpose of this paper is to bring the major intercompany factors (problems and motivation) that form the development potential of tourism marketing networks in Bulgaria. To achieve this objective the following tasks were performed: to present the concept of marketing networks; to clarify the specifics of these networks in the tourism sector; to characterize marketing activities in the tourism sector in a practical aspect; to reveal the status of existing marketing networks in Bulgarian tourism; to define the key problem areas of developed tourism marketing networks; to clarify the attitudes (motivation) of tourist organizations for participation in marketing networks. The thesis argued is that there is potential for positive development of marketing networks in the tourism sector in Bulgaria. The contributions involve revealing the manifestations of marketing networks in tourism, opening of existing marketing networks and confirming that there are incentives to build and progressively develop marketing networks of tourism companies

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  CHALLENGES FACING THE HOUSING CONSTRUCTION FINANCING BY BANKS

  The main purpose of this study is by analyzing the business practice in Bulgaria to identify the main problems facing the financing of housing construction, with an emphasis on bank financing. To achieve this objective the following should be clarified: (1) the specifics of housing construction; (2) the specifics of the investment process and ... The main purpose of this study is by analyzing the business practice in Bulgaria to identify the main problems facing the financing of housing construction, with an emphasis on bank financing. To achieve this objective the following should be clarified: (1) the specifics of housing construction; (2) the specifics of the investment process and financing of housing construction; (3) to analyze the status and trends of housing construction under the conditions of a global financial crisis; and (4) to study the situation and the problems facing the financing of housing construction in our country, incl. bank financing. This analysis uses public data from National Statistical Institute, specialized analyses and studies concerning the issues, other publicly available data, results of a conducted online survey (September 2014) on the bank loans offered to finance the purchase or construction of housing, an electronic survey (April 2016) on the state of housing construction in Bulgaria, as well as information from interviews and informal conversations with representatives of construction companies in the field of housing. The online survey was conducted through Google Forms of Google Docs. The data are processed and presented in tables and charts using MS Office Excel 2016