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Rumen Erusalimov, Ventsislav Vasilev, Aneliya Paneva
THE NON-LIFE INSURANCE MARKET IN BULGARIA – 15 YEARS AFTER THE COUNTRY'S ACCESSION TO THE EUROPEAN UNION
Abstract:
The main aim of the study is to establish the state and development of the leading insurance industry in our country – Non-Life Insurance, as well as to outline its importance as an economic sector and to determine its market structures after Bulgaria's accession to the European Union in 2007.
The article traces the dynamics of gross written premiums realised by insurers in Non-Life Insurance during the period 2007-2021. The place of Non-Life Insurance in the Bulgarian economy has been established through the indicators "insurance penetration" and "insurance density". Its product structure for the same period has also been studied.
As a result of the research, it is concluded that Non-Life Insurance in Bulgaria occupies a small share of the country's economy; Bulgarian citizens do not spend enough money on insurance, and the product structure of the market is dominated by Motor Insurance.
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Krasimira Slaveva
BUILDING AN EFFECTIVE RELATIONSHIP "EDUCATION-SCIENCE-BUSINESS" - STRATEGIC OBJECTIVE AND MEANS FOR INCREASING THE EFFICIENCY OF HIGHER EDUCATION EXPENDITURES
Abstract:
In the modern conditions of knowledge-based economy, higher education has the extremely responsible task of preparing specialists with a high level of theoretical and practical knowledge, skills and competencies in the relevant professional fields. The processes of internationalisation and globalisation in education pose a number of challenges to higher education institutions in Bulgaria, expressed in improving the quality of education and the practical applicability of the acquired knowledge, increasing the applied research of the academic staff and the formation of students’ research skills. The article examines the dynamics of key indicators for the higher education system in order to establish objectively formed regularities and trends and to assess the effectiveness of higher education costs.
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Silvia Gospodinova
FACTORS DETERMINING THE DOMINANT ROLE OF THE SERVICES SECTOR IN MODERN ECONOMIES
Abstract:
In the 19th and the beginning of the 20th century, the process of industrialisation was particularly large-scale and intensive and dominated the industrial sector. In the following years, however, complex processes of adaptation to a new model of development began to take place in the development of the Bulgarian economy. It is based on the global information revolution and the trend towards globalisation, as well as the transition to a market economy. One of the features of this change is the dynamic development of the services sector, which is increasingly beginning to dominate. This paper traces the factors that led to the transformation of most economies, including the Bulgarian and their transformation into post-industrial, as well as the similarities and differences of these changes until the beginning of the twentieth century in our country and in other economies.
