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  Managerial Financial Model of an Insurance Broker in Bulgaria - Methodological and Applied Aspects

  The object of research are the insurance brokers in Bulgaria, and its subject is the methodological framework for building a management financial model of an insurance broker in Bulgaria. The leading thesis in the present study is based on the statement that the optimal financial management of a brokerage company in the insurance sector in ... The object of research are the insurance brokers in Bulgaria, and its subject is the methodological framework for building a management financial model of an insurance broker in Bulgaria. The leading thesis in the present study is based on the statement that the optimal financial management of a brokerage company in the insurance sector in Bulgaria requires the construction of a complex model based on the control of the financial value of the company, which allows to compare the attractiveness of various business lines, through which to develop those of them, bringing the greatest increase in the value of the company. The purpose of the development is to justify a methodological framework for building a comprehensive financial management model based on the control of the financial value of the company, which allows by forecasting the benefits and costs to compare the attractiveness of different business lines for development and expansion. The focus is on gross premium income from corporate insurance and retail brokerage. As a result of the research, forecast values for the period 2019-2023 are generated, first the exogenous variables are predicted, and on their basis - the main target variables. The constructed model has an extremely high descriptive ability - as for the historical period the two curves - with real reporting data and the modelled one - practically coincide. On this basis, the forecast part can be considered relevant for the purposes of the management financial model. Similar results are achieved in the modelling and forecasting of retail premiums, which is the basis of the insurance broker's profit.

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  Innovation and Financial Performance of SMEs in Bulgaria

  : The relationship between innovation activity and the financial performance of SMEs in Bulgaria is examined. The survey results show that there is no statistically significant relationship between the innovation activity of enterprises and their financial results, net sales, profit margins, return on assets (ROA), return on equity (ROE) and asset ... : The relationship between innovation activity and the financial performance of SMEs in Bulgaria is examined. The survey results show that there is no statistically significant relationship between the innovation activity of enterprises and their financial results, net sales, profit margins, return on assets (ROA), return on equity (ROE) and asset turnover. However, a significant dependence of the innovative activity of SMEs in the country and indicators of their liquidity, indebtedness and bankruptcy risk are revealed. SMEs that have innovation costs or have introduced in their market a new or significantly improved product, or have introduced new or significantly improved production methods in the last three years, are less liquid, more indebted and more likely to go bankrupt.

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  Digital Rights in the System of Civil Rights Objects: Features and Problems of Legal Registration in Russia

  In this article, the author attempts to analyze the features of the formation of a uniform legal framework for regulating legal relations in Russia within the digital economy. The author pays special attention to the problems of development of legislation on objects of civil rights that resulted from the development of digital (intellectual) ... In this article, the author attempts to analyze the features of the formation of a uniform legal framework for regulating legal relations in Russia within the digital economy. The author pays special attention to the problems of development of legislation on objects of civil rights that resulted from the development of digital (intellectual) technologies-digital rights and digital money (crypto currency, electronic money).