Ãîäèøåí àëìàíàõ "Íàó÷íè èçñëåäâàíèÿ íà äîêòîðàíòè"

Îùå ñòàòèè îò òîçè áðîé

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  ÏÐÎÃÐÀÌÀÒÀ ÇÀ ÎÑÈÃÓÐßÂÀÍÅ ÍÀ ÊÀ×ÅÑÒÂÎ È ÓÑÚÂÚÐØÅÍÑÒÂÀÍÅ – ÎÑÍÎÂÀ ÇÀ ÏÎÂÈØÀÂÀÍÅ ÊÀ×ÅÑÒÂÎÒÎ ÍÀ ÂÚÒÐÅØÍÈß ÎÄÈÒ Â ÏÓÁËÈ×ÍÈß ÑÅÊÒÎÐ

  Öåëòà íà ðàçðàáîòêàòà å äà ñå êîíêðåòèçèðàò èçèñêâàíèÿòà è ïðåäèìñòâàòà íà Ïðîãðàìàòà çà îñèãóðÿâàíå íà êà÷åñòâî è óñúâúðøåíñòâàíå ñ öåë çà ïîâèøàâàíå êà÷åñòâîòî íà âúòðåøíèÿ îäèò â ïóáëè÷íèÿ ñåêòîð.  ñúäúðæàíèåòî íà ñòóäèÿòà ñà èçëîæåíè è ñå äèñêóòèðàò íÿêîè îò ïî-ñúùåñòâåíèòå ïðîáëåìè ïðè ïðàêòè÷åñêîòî ïðèëîæåíèå íà Ïðîãðàìàòà çà îñèãóðÿâàíå íà ... Öåëòà íà ðàçðàáîòêàòà å äà ñå êîíêðåòèçèðàò èçèñêâàíèÿòà è ïðåäèìñòâàòà íà Ïðîãðàìàòà çà îñèãóðÿâàíå íà êà÷åñòâî è óñúâúðøåíñòâàíå ñ öåë çà ïîâèøàâàíå êà÷åñòâîòî íà âúòðåøíèÿ îäèò â ïóáëè÷íèÿ ñåêòîð.  ñúäúðæàíèåòî íà ñòóäèÿòà ñà èçëîæåíè è ñå äèñêóòèðàò íÿêîè îò ïî-ñúùåñòâåíèòå ïðîáëåìè ïðè ïðàêòè÷åñêîòî ïðèëîæåíèå íà Ïðîãðàìàòà çà îñèãóðÿâàíå íà êà÷åñòâîòî è óñúâúðøåíñòâà-íå. Íà áàçàòà íà ëè÷íèÿ ïðîôåñèîíàëåí îïèò íà àâòîðà å èçðàçåíî êîíêðåòíî êðèòè÷íî îòíîøåíèå êúì ïðîáëåìíèòå âúïðîñè îòíîñíî ïðàêòè÷åñêîòî ïðèëîæåíèå íà Ïðîãðàìàòà çà îñèãóðÿâàíå íà êà÷åñòâî è óñúâúðøåíñòâàíå íà âúòðåøíèÿ îäèò â ïóáëè÷íèÿ ñåêòîð.

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  FINANCIAL LITERACY LEVEL OF HIGH SCHOOL STUDENTS AND ITS ECONOMIC PATTERNS REFLECTIONS

  This study contributes to the understanding of the level of financial literacy of high school students in Israel. The research purpose is to describe the level of financial literacy among high school students in Israel aged 15-18 and to examine the implications that financial literacy has on their economic behaviour patterns. The study examines ... This study contributes to the understanding of the level of financial literacy of high school students in Israel. The research purpose is to describe the level of financial literacy among high school students in Israel aged 15-18 and to examine the implications that financial literacy has on their economic behaviour patterns. The study examines the different relationships between financial knowledge, attitudes and economic behaviour of students with different demographic characteristics. The working thesis of the paper is that the low educational level of students in the field of personal finance poses risks in their effective management in the future. One of the conclusions drawn from this finding is that students may need to have an additional toolbox, knowledge, and basic skills to cope with the new economic environment of the day. In addition, it is clear from the findings that a student's attitudes and beliefs have some influence on his / her financial knowledge and ability to solve financial issues, and have a greater impact on the adolescent's economic behaviour. The contribution is to the understanding that emphasis should be placed on financial education programs at school to provide tools to help students overcome psychological and emotional barriers, enhance a student's perception of competence, and teach him / her to avoid satisfaction and demonstrate self-discipline. This combination of providing cognitive and non-cognitive tools may raise the level of financial literacy of high school students in Israel and remain with them for a period.

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  ÊÀÏÈÒÀËÎÂÈ ÈÇÈÑÊÂÀÍÈß Â ÓÑËÎÂÈßÒÀ ÍÀ ÁÀÇÅË III È ÏËÀÒÅÆÎÑÏÎÑÎÁÍÎÑÒ II

  Ðàçâèòèåòî íà ôèíàíñîâèÿ ñåêòîð â óñëîâèÿòà íà çàñèëâàùè ñå ðåãóëàòîðíè èçèñêâàíèÿ è íàäçîðíè äåéíîñòè å ïîñòàâåíî ïðåä ðåäèöà ïðåäèçâèêàòåëñòâà, ñâúðçàíè ñ òÿõíàòà ìåòîäîëîãè÷íà èçäúðæàíîñò è âúçìîæíîñòè çà ïðèëîæåíèå. Íàñòîÿùàòà ñòàòèÿ èìà çà öåë äà ïðåäñòàâè ðåãóëàòîðíèòå èçèñêâàíèÿ, êîèòî òðÿáâà äà èçïúëíÿâàò áàíêîâèòå è çàñòðàõîâàòåëíèòå ... Ðàçâèòèåòî íà ôèíàíñîâèÿ ñåêòîð â óñëîâèÿòà íà çàñèëâàùè ñå ðåãóëàòîðíè èçèñêâàíèÿ è íàäçîðíè äåéíîñòè å ïîñòàâåíî ïðåä ðåäèöà ïðåäèçâèêàòåëñòâà, ñâúðçàíè ñ òÿõíàòà ìåòîäîëîãè÷íà èçäúðæàíîñò è âúçìîæíîñòè çà ïðèëîæåíèå. Íàñòîÿùàòà ñòàòèÿ èìà çà öåë äà ïðåäñòàâè ðåãóëàòîðíèòå èçèñêâàíèÿ, êîèòî òðÿáâà äà èçïúëíÿâàò áàíêîâèòå è çàñòðàõîâàòåëíèòå èíñòèòóöèè íà ïàçàðà. Ïðîâåäåíîòî èçñëåäâàíå ðàçãëåæäà åâîëþöèÿòà íà êàïèòàëîâèòå èçèñêâàíèÿ çà áàíêîâèÿ è çàñòðàõîâàòåëíèÿ ñåêòîð. Ïðåäñòàâåíè ñà ðåçóëòàòèòå îò ïðèëàãàíåòî íà äåéñòâàùàòà ðåãóëàòîðíà ðàìêà Áàçåë III çà áàíêèòå è Ïëàòåæîñïîñîáíîñò II çà çàñòðàõîâàòåëèòå.