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  FINANCIAL EFFICIENCY OF THE BULGARIAN GENERAL INSURANCE COMPANIES IN THE CONTEXT OF FINANCIAL CONTROLLING

  The purpose of the article is to examine the economic efficiency of the leading insurance companies (according to the "gross premium income" criterion) from the "General Insurance" branch. The research methodology is based on leading indicators for assessing the economic efficiency of the insurance company - "operating profit margin" and "return ... The purpose of the article is to examine the economic efficiency of the leading insurance companies (according to the "gross premium income" criterion) from the "General Insurance" branch. The research methodology is based on leading indicators for assessing the economic efficiency of the insurance company - "operating profit margin" and "return on equity". Economic efficiency indicators are also presented in the form of an index. The main results of the article are presented in figures, with an analysis of the economic efficiency of the leading insurance companies from the "General Insurance" branch. Analysis of the data shows that the leading insurance companies are performing oppositely to the General Insurance sector averages.

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  COMMUNICATION FOR THE IMPORTANCE OF THE CREATION AND INTRODUCTION OF INNOVATION IN BULGARIAN SMALL AND MEDIUM ENTERPRISES

  Innovation is becoming an imperative for modern business organizations that want to increase the sustainability of their competitive performance. Communication about the importance of innovation is critical to minimizing stakeholder resistance to innovation endeavors and the perception of the need to implement them. Innovations are also directly ... Innovation is becoming an imperative for modern business organizations that want to increase the sustainability of their competitive performance. Communication about the importance of innovation is critical to minimizing stakeholder resistance to innovation endeavors and the perception of the need to implement them. Innovations are also directly related to the partnerships implemented by organizations, corporate culture, and knowledge management. Understanding the importance of professionally executed corporate communications is critical. The communication practices for promoting innovation activity are presented based on an empirical study among 350 Bulgarian enterprises. The study examines how communications are implemented in Bulgarian small and medium-sized enterprises, the innovations they implement, and the relationship of corporate culture with company competitive performance. Relevant conclusions and recommendations have been made.

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  DEVELOPING AN EQUILIBRIUM MODEL FOR ASSESSING HOUSE PRICE DEVIATION

  This article deals with the problem of developing a reliable diagnostic tool that could help in reducing the unpredictability of house price cycles that cause undesirable reverberations in the economy. Such type of cycles is among the main drivers of price volatility and crises not only in the real estate sector itself but also for the financial ... This article deals with the problem of developing a reliable diagnostic tool that could help in reducing the unpredictability of house price cycles that cause undesirable reverberations in the economy. Such type of cycles is among the main drivers of price volatility and crises not only in the real estate sector itself but also for the financial system and the whole economy too. The purpose of this study is to introduce a step-by-step methodology for assessing the true deviations of house prices from their long-term equilibrium levels. Factors with a significant impact on house price dynamics are also determined. The result is a ready-to-use econometric model that detects possible formation of house price bubbles early enough, so that policymakers and regulators could take adequate actions against market overheating in due time.