Ãîäèøåí àëìàíàõ "Íàó÷íè èçñëåäâàíèÿ íà äîêòîðàíòè"

Îùå ñòàòèè îò òîçè áðîé

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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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  ÎÒÍÎÑÍÎ ÇÍÀ×ÅÍÈÅÒÎ ÍÀ ÂÚÒÐÅØÍÈß ÊÎÍÒÐÎË ÇÀ ÁÀÍÊÎÂÀÒÀ ÑÈÃÓÐÍÎÑÒ

  Âúïðåêè óòâúðäåíèòå è ïðèëàãàíè ïðàêòèêè è ìîäåëè çà êîíòðîë âúðõó áàíêîâàòà äåéíîñò, íàáëþäåíèÿòà â ïóáëè÷íîòî ïðîñòðàíñòâî ïðåç ïîñëåäíèòå ãîäèíè ïîêàçâàò, ÷å çà÷åñòÿâàò ðàçëè÷íèòå ôîðìè íà çëîóïîòðåáè îò ñòðàíà íà áàíêîâè èíñòèòóöèè ñïðÿìî äåïîçèòîðè è êëèåíòè íà èíñòèòóöèèòå. Ñúùåâðåìåííî íàðàñòâà áðîÿò íà ðèñêîâèòå áàíêîâè åêñïîçèöèè, êîåòî å ... Âúïðåêè óòâúðäåíèòå è ïðèëàãàíè ïðàêòèêè è ìîäåëè çà êîíòðîë âúðõó áàíêîâàòà äåéíîñò, íàáëþäåíèÿòà â ïóáëè÷íîòî ïðîñòðàíñòâî ïðåç ïîñëåäíèòå ãîäèíè ïîêàçâàò, ÷å çà÷åñòÿâàò ðàçëè÷íèòå ôîðìè íà çëîóïîòðåáè îò ñòðàíà íà áàíêîâè èíñòèòóöèè ñïðÿìî äåïîçèòîðè è êëèåíòè íà èíñòèòóöèèòå. Ñúùåâðåìåííî íàðàñòâà áðîÿò íà ðèñêîâèòå áàíêîâè åêñïîçèöèè, êîåòî å èíäèêàòîð çà ñúùåñòâóâàíåòî íà ïðîïóñêè, ðåñï. ñëàáîñòè â ñèñòåìàòà çà êîíòðîë. Âúâ âðúçêà ñ òîâà â ñòàòèÿòà ñå î÷åðòàâàò íÿêîè ïðîáëåìè ñ äîêóìåíòàëíàòà áåçîïàñíîñò íà áàíêîâàòà èíôîðìàöèÿ è ïî-êîíêðåòíî äîêóìåíòíè èçìàìè îò òðåòè ëèöà, äîêóìåíòíè èçìàìè îò âúòðåøíè çà áàíêàòà ëèöà, çàãóáà, êðàæáà èëè çëîóïîòðåáà ñ áàíêîâà è ôèðìåíà èíôîðìàöèÿ, êîíôëèêò íà èíòåðåñè, ñêèìèíã èçìàìè, ó÷àñòèå è ïðèêðèâàíå íà ôèíàíñîâè ïðåñòúïëåíèÿ è ò.í.

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  ÍÎÂÈÒÅ ÇÀÊÎÍÎÄÀÒÅËÍÈÒÅ ÏÐÎÌÅÍÈ ÏÎ ÇÀÑÒÐÀÕÎÂÊÀ „ÃÐÀÆÄÀÍÑÊÀ ÎÒÃÎÂÎÐÍÎÑÒ” ÍÀ ÀÂÒÎÌÎÁÈËÈÑÒÈÒÅ È ÂËÈßÍÈÅÒÎ ÈÌ ÂÚÐÕÓ ÔÈÍÀÍÑÎÂÀÒÀ ÑÒÀÁÈËÍÎÑÒ ÍÀ ÁÚËÃÀÐÑÊÈß ÇÀÑÒÐÀÕÎÂÀÒÅËÅÍ ÏÀÇÀÐ

  Ïîâèøàâàíåòî íà ôèíàíñîâàòà óñòîé÷èâîñò íà áúëãàðñêèòå çàñòðàõîâàòåëíè êîìïàíèè, êîèòî ïðàêòèêóâàò çàñòðàõîâêà „Ãðàæäàíñêà îòãîâîðíîñò” íà àâòîìîáèëèñòèòå ÷ðåç ïðåçàñòðàõîâàíåòî, e çàäúëæèòåëíî óñëîâèå, êîåòî ùå ãàðàíòèðà ïî-äîáðè âúçìîæíîñòè çà íàâðåìåííà ðåàêöèÿ è èçäðúæëèâîñò íà íåïðåäâèäåíè ïðåäèçâèêàòåëñòâà íà çàñòðàõîâàòåëíèÿ ïàçàð ó íàñ. Ñ ... Ïîâèøàâàíåòî íà ôèíàíñîâàòà óñòîé÷èâîñò íà áúëãàðñêèòå çàñòðàõîâàòåëíè êîìïàíèè, êîèòî ïðàêòèêóâàò çàñòðàõîâêà „Ãðàæäàíñêà îòãîâîðíîñò” íà àâòîìîáèëèñòèòå ÷ðåç ïðåçàñòðàõîâàíåòî, e çàäúëæèòåëíî óñëîâèå, êîåòî ùå ãàðàíòèðà ïî-äîáðè âúçìîæíîñòè çà íàâðåìåííà ðåàêöèÿ è èçäðúæëèâîñò íà íåïðåäâèäåíè ïðåäèçâèêàòåëñòâà íà çàñòðàõîâàòåëíèÿ ïàçàð ó íàñ. Ñ Äèðåêòèâà Ïëàòåæîñïîñîáíîñò II îò 2016 ã. ñå âúâåæäàò ïî-âèñîêè èçèñêâàíèÿ ïðåä çàñòðàõîâàòåëíèòå êîìïàíèè íà åâðîïåéñêèÿ ïàçàð çà êàïèòàëîâà àäåêâàòíîñò, îöåíêà íà ðèñêà è ïëàòåæîñïîñîáíîñòòà. Òàêà òå ùå ñà ïîäãîòâåíè çà òðóäíî ïðåäâèäèìè êðèçèñíè ñèòóàöèè, êîèòî ñúùåñòâóâàò è íà áúëãàðñêèÿ çàñòðàõîâàòåëåí ïàçàð. Ïîñëåäíèòå ïîäîáíè ôèíàíñîâè ïðåäèçâèêàòåëñòâa ñå ÿâÿâàò ïðèëàãàíå íà áúëãàðñêè âàðèàíò íà ñèñòåìàòà „áîíóñ-ìàëóñ” ïðè ïðàêòèêóâàíåòî íà çàñòðàõîâêà „Ãðàæäàíñêà îòãîâîðíîñò” è òúëêóâàòåëíîòî ðåøåíèå íà Âúðõîâíèÿ êàñàöèîíåí ñúä 1/2016 îò 2018 ã, ñ êîåòî ñå ðàçøèðÿâà êðúãúò íà ëèöàòà, èìàùè ïðàâî äà ïîëó÷àò çàñòðàõîâàòåëíî îáåçùåòåíèå çà íåèìóùåñòâåíè âðåäè îò ñìúðòòà ïðè ÏÒÏ íà òåõíè áëèçêè – ñúãëàñíî ñêëþ÷åíà çàäúëæèòåëíà çàñòðàõîâêà „Ãðàæäàíñêà îòãîâîðíîñò“ íà àâòîìîáèëèñòèòå. Îò íàñòîÿùîòî èçñëåäâàíå ìîæå äà ñå èçâåäå êàòî îñíîâåí èçâîä, ÷å íà ôîíà íà ãîëÿìàòà êîíêóðåíöèÿ ìåæäó çàñòðàõîâàòåëíèòå êîìïàíèè êàêòî â Áúëãàðèÿ, òàêà è â ìåæäóíàðîäåí ïëàí è âñå ïî-òðóäíî ïðåäâèäèìèòå êðèçèñíè ñèòóàöèè íà çàñòðàõîâàòåëíèÿ ïàçàð, ïîñòèãàíåòî íà ôèíàíñîâàòà óñòîé÷èâîñò íà çàñòðàõîâàòåëíèòå äðóæåñòâà å íåìèñëèìî áåç ïðåçàñòðàõîâàíåòî.