HND 大综合 第一部分Planing
HND大综合2stage1
Stage 1: PlanningTitle of the project:Hennes & Mauritz AB, known as H&M, and discuss its marketing policies and strategies in their country between the operational advantages and disadvantages.1 Objectives of the projectThe project aims to explore and explain the company Hennes & Mauritz AB, an investment company in product marketing and solutions, including the use of the Higher National Diploma courses to learn to discuss and explain. These goals include: the company's competitiveness in international markets, corporate training and development of the theory of selection, labor relations and human resource management strategies. Also shows that the company's partners and employees of the mental state and degree of employment security.2l Justification for the choice of business or businesses involvedSelect H & M's reasons for the company, because my uncle in the company's product marketing department work, so I can get first-hand investigation, help me to understand the company's information, so I have more in-depth understanding of the information in the company's product marketing I know some of the advanced methods, but let me see the inadequacies in the marketing and promotion of some products. So, I think this company is very suitable for my report, a more comprehensive first-hand information is more conducive to my written report. Addition, Mr. Wang, the company's human resources department, I was also very helpful.3l Statement of the issue to be investigated.The theories of screening and selection criteria, training and development, interna-tional compensation packages, labor relation and current HRM strategiesThese four points can investigate the company's human resources strategy and management more clearly, in the company's top management has made effective management tools, including the HR manager can ask about how to improve the utilization of human resources and the introduction of so. As organization battle to get the most from their existing people in an environment characterized by skill shortages, the role of HR practices in fostering employee en-gagement and commitment is paramount. As this we can make some of the company's environmental and human resources management relationship, and how staff work hard to promote the method. We will also research firm Strategic human resource management (SHRM) is at a critical point, poised between becoming a strategic business partner and receding into the background as a non-executive function. If SHRM is to tip the balance towards being perceived as a business partner, it appears that a consolidated approach towards identifying those HR practices that foster and support attachment to the organization is the key4l Reasons for the choice of issue which must be directly related to a topic or topics covered as part of the Group AwardSurvey of more than so many points, we will use the knowledge we have learned a lot, such as strategic human resource management, which includes a lot of us learned to use, for example(1) In the management concept that human resources are all resources the most valuable resource, through the appreciation of the development of human resources can add value, to give companies a huge profit.(2) In the management of content, focused on the development of human potential, to stimulate people's vitality, so that employees can be a positive, proactive, creative work.(3) In the management of the form, emphasizing the overall development, according to business goals and personal circumstances, for good career design, continuous training, and constantly adjust the position to fully develop their talents.(4) Management, to take human-oriented management, to consider people's feelings, self-esteem and value.(5) In the management of the means, human resources, information systems, etc. The results generated by the computer automatically, provide timely and accurate basis for decision making.(6) In the management level, human resource management in the decision-making, directly involved in the planning and decision-making.5l Explanation of the sources of information to be used and the reasons for their selectionAll information from my uncle's hand, to obtain first-hand information, because I feel that the information does not provide online value, and some important information is not online.Manager in this company, I also conducted a two-month time practice, I interviewed Mr. Wang of the Human Resources Department, has also been a lot of useful first-hand information on the company's staff questionnaire, geta lot of useful first-hand informationAt the same time I was the top Internet search company to take on issues related to product sales, including images, documents, forms, etc., there are some companies described above are also found on the InternetStaffs are the indispensable part of an organization. They can impel the devel-opment of the company and create value for the company. They can help the company to achieve the goal successfully. The performance of staff is also the reaction of cul-ture of the company. To get the information from staffs can be real reaction of the performance, and the information can be more fair and reality.6l Explanation of methods of investigation to be used and reasons for their se-lectionI have to do an investigation on the company's product sales, I will let the employees fill out some questionnaires, I will interview the sales department manager, call into question some of the problems related to product sales.This research tool consisting of a series of questions and other prompts for the purpose of gathering information from respondents. Use some other type of questionnaire surveys, they are cheap, does not require much effort from the questioner's verbal or telephone surveys, and often have standardized answers, which makes it simple to compile data. Survey department will achieve the company's managers can help to understand the company's situation.7l Statement of criteria to be used to assess implications of the issue and reasons for their selectionThe criteria to be used to assess implications should be the policy of human resource management theory, like Strategic human resource management policies SWOT, it can help companies to attract talent to human resource management to maximize efficiency, These can help to better know the operation of the company, and assess the company. For the objective of the company, human resources advantages and disadvantages. The criteria to be used can assess the company.As the company has subsidiaries, so you can save a lot of staff training costs, through the analysis of the company's strengths and weaknesses of human resources policies, SWOT company's role in a certain time can be a lot of information.Throughout the SWOT implementation of human resources position is the most important strategy of the company's success to get to meet a variety of elements, such as R & D capabilities, production capacity, financial management capacity, ultimately to the SWOT.In human resources management policy, the Company's employees is reflected in the impact of business objectives, wages, working conditions, job promotion, employment protection and the task itself. Employees affected in the above decision-making process mainly as follows: the extent to which employees engage and bear what responsibility; through what mechanisms involved; how to reflect their influence. But also reward system to reward employees involved in decision-making should involve all levels, should business strategy, management philosophy, employees are required to structure and human resource policies consistent.Finally have a working system in a company at all levels, managers have toface manpower planning, personnel information, technical personnel actions and personnel tasks. How to make the line departments, the general manager, human resources management in close cooperation, and efficient human resources management system.8 Timetable of InvestigationThe duration of this report is 6 weeks, and it between Feb.24, 2011 and Apr. 5, 2011. More specific, the activities every weeks are as followed.Time ActivitiesWeek 1 (Feb.24th to Mar. 2nd, 2011)setting up a theme and draw a brief report on plans and discuss them with my mentorWeek 2 (Mar 3rd to Mar. 9th, 2012)to collect information and H & M and an interview with the company's human resources department's management staffWeek 3 (Mar 10th to Mar 16th, 2011)to do the group discussion, and team members about in the conference room to discuss H & M's Product MarketingWeek 4（Mar 17th to 23th，2011）access to marketing information about H & M's, and with mentors to discuss resultsWeek 5（Mar 24th toFinish the main contents and communicate with tutorMar.30th,2011）Draw conclusion and justify Week 6(Mar 31th toApril 5th,2011 )。
HND金融大综合报告GU1 STAGE1 Planning报告参考
Unit Name: Financial Services: Graded Unit 1Unit Code: H0Y6 34Stage 1 Planning WX ➕AYi-StudiosTable of Contents1.1 Introduction (1)1.2 Strategy for carrying out project (1)1.3 Sources of information and procedure (1)1.3.1 Sources of information (1)1.3.2 Procedure (2)1.4 How to gather information (2)1.5 Timescale for project (3)1.6 Identification of potential barrier (4)1.1 IntroductionIn the head of this report, I will make a self-introduction.Duncan Kennedy, I am an official journalist of financial column of a newspaper office.I have read your letter and understand your needs.I will choose duty-free items or low tax rate items for you.1.2 Strategy for carrying out projectFirst, I would primarily introduce the process of execute the financial analysis project in detail. And there is a strategy I will plan for completing the whole project. It is divided into three major steps, which is plan, execute and evaluate.The first step is to make a plan and time table.The next step is to find the items and seek various relevant information and collect available information from some different types companies’ official website on the Internet.Through comparative analysis and tax computation, I would consider many factors and choose the low-risk financial products for you.1.3 Sources of information and procedures1.3.1 Sources of informationPrimarily,I will introduces three main approaches for seeking and collecting available information or statistics effectively.The first approach is to use the Internet to research.The advantage of using the internet is that you can easily find the information,and it is convenient.The disadvantage is that I don’t know whether it is true or not.Through the Internet, I am able to seek out a wide range of information of financial management products.The second approach is to have a face-to-face counseling.The advantage of having an interview is that through face-to-face counseling,I can deeply understand the information.The disadvantage is that sometimes,I can not make an appointment with the managers and advisers.Through interviewing, I can find out a wide range of information and professional financial knowledge.The next approach is to consult a number of relevant books and brochures in the library. The advantage of reading the brochures is that the information isrealistic and available.The disadvantage is that some information has been out of date.Through reading the brochures,I will know more about the policy and regulation of law on some certain financial products.The last approach is to send a mail.The advantage of sending mail is that I can receive the detailed description.The disadvantage is that I don’t know whether he will write back or not.Through the mail,I can find out a wide range of information of financial management products.1.3.2 ProcedureFirst of all,I will use the Internet to research.After that, I will consult a number of relevant books and brochures in the library.The next step is to send a mail to the provider and make an appointment.In the meantime,I will ask him for some useful information.After receiving the information,I will have an interview with a professional financial adviser.1.4 How to gather informationFirst of all,I will buy some newspapers like The Finance Times to seek out a wide range of information of financial management products.Second,I will browse many financial companies’ official website and search some useful information via the internet.I will use some powerful search engine like Google to consult the usability of financial products.Third,I will choose a library and enquire the book manager how to find the brochure about financial management and certain financial product.The final step is to have an interview.In order to make an appointment,I will make a phone call in advance.And then we will discuss the information about the product.1.5 Timescale for projectTable 1 Timescale for project1.6 Identification of potential barrierDuring the process of researching information, there are some potential obstacles and problems in the period of this time.The first potential barrier is lack of enough professional knowledge.During the process of researching information,I may notice there are some specialized knowledge that I don’t know.So I think the solution is to ask a professional financial adviser for help.The second potential barrier is that I may not make an appointment following my own wish.Because sometimes, the senior manager or adviser are very busy.So the solution is to make an appointment at least ahead of half a month.ReferencesInvestment. (2016). 2nd ed. Hanover: Scottish Qualification Authority, p.147.。
HND大综合1GU1答案
Section1Question 1:Part AGiven the competitive nature of the mobile telecommunications market analysethe likely advantagesand disadvantagesto Opal of establishinga partnershipagreement with another company.12Advantages:Firstly, the partnership agreementscan provide Opal with technology assistance.It allows Opal for the joint development of new products and the sharing of technology. Secondly, a Chinese partnershipnot only gives Opal access to local knowledge but also provides an air of acceptability that is important when conducting business in China. Thirdly, local firms 'well -reputation and wealth of experience will also help Opal to ensure that product development and customer service is specifically targeted at meeting the local needs and demands of the local market. Fourthly, companies in partnership can share the costs and reduce the risk.Disadvantages:As for the disadvantages, firstly, the own technology of Opal might be leaked because of the sharing of technology which may result in the loss of Opal 'csompetitive advantages. Secondly, in apartnership with others, the control power of Opal company might be distributed because of the consideration of other partners Thirdly, firms need to share the profits and there might be conflicts since those companies are profitable organizations.PART BIdentify and justify possible options the senior management may have which willenable Opal to maintain its current levels of success and profitability. 8Firstly, since Chinese market has enormous potential, Opal needs continue to invest in Chinese market to gain more market shares for its expansion.Secondly, Opal can sign the partnership agreementswith more companies, to gain more comprehensive market information and share the technology and develop new products.s be nThirdly, in order to maintain the characteristics and good reputation, Opal needs to keep the strong stance in relation to the environment, use more green and environmental materials to produce‘ environmentally friendly ' products and services and keep offering a comprehensive mobile phone recycling scheme.Fourthly, it is necessary to deepen the agreement with Huawei, since Huawei is a long established and well-respected player in the Chinese telecoms market. By doing so, Opal can achieve the further expansion.Question 2PART AAssessthe strengthsand weaknessesof Opal as they seek to expanding in thecoming years. 12StrengthsFirstly, the further deregulation of the telecommunications markets enabled Opal to capitalize on a number of opportunities.Secondly, Opal has its core markets, and the recent ‘ openin-gup'of the Chinese market is currently providing Opal with opportunities for further expansion.Thirdly, the mobile devices division has allowed Opal to sell their phones to competing networks allowing access to a much larger market.Fourthly, as their characteristic, Opal has adopted a strong stancein relation to the environment, and they were one of the first phone manufacturers in the world to offer a comprehensive mobile phone recycling scheme and offers environmentally friendly products and services.WeaknessesFirstly, the first hand-held phones were high priced because of the high research and development costs and the need for highly specialized production facilities. And this may cause the needs of a large amount of investment capital and the decrease in sales. Secondly, Opal is a medium sized producer of handsets, which means it owns limited produce resourcesand investment capital resources. It may not be able to meet the needs of cooperation with other companies.Thirdly, the regulatory complexities of operating within the Chinese market may hinder the development and expansion of Opal.Lastly, the regulatory complexities of operating within the Chinese market and the fierce competition may hinder the expansion of Opal and increase a certain level of risk.PART BChoose two Key values highlighted in Appendix 3 and for each, explain how ithas impacted upon the company ' s activities. 8Firstly, the customer deserves service excellence.Opal is a customer- focused organization. Enterprise's core value is to focus on customer service and its quality. By doing so, the customer satisfaction and loyalty can be established and then the growth of sales and profits can be achieved. According to the case, in order to enhance the quality and satisfaction of customer services, the Opal has established the Service Development Section and Customer Care Department. With the rapid development of technology, the Service Development Section is tasked to enhance the customer experience of the mobile and web-based services. And the Customer Care section is tasked to ensure that customer expectations are consistently met. Both of them are aim to provide customers with excellent services.Secondly, we accept that while we are driven by technology we will always aspire to drive technology. The development of technology can provide Opal with higher tech-competitiveness, and help it to develop new products and expand to larger market. As for Opal, they continue invest in other innovative products and market research, and has been very successful in identifying market trends and then using the latest technological developments to satisfy customer needs. And, there is a Special projects section in Opalwhich requires significant investment and provides the leading-edge technology required for mobile and others.Section 2Question1PART AEvaluate possible sources of finance that Gold could access as it seeks to expandits business operations.Firstly, issuing shares are a financing way that Opal can access. It can meet a part of the Opal 's capital needs during its expansion, even though the amount of share capital issued will be limited to the authorized share capital amount.Secondly, issuing debentures are a useful way too. Debentures are loans made to companies that carry a fixed rate of interest. However, the debenture holders need to repay the principles on time and they do not participate in the running of the company like shareholders do.Thirdly, even though both issuing shares and dividends are appropriate for Opal, there still some differences between them. The shareholders have the control right of the company, but the dividend holders do not. And, the dividends holders need to repay the principle on time, while it won' tbe necessary for shareholders. Lastly, the shareholders can get benefits from the dividends while the debenture holders can get them from the interests.PART B找到一类可以同时满足Opal 公司股东和Opal 在中国市场合作伙伴用来检验企业效率的财务数据信息. 请解释这类数据是如何满足这些利益相关者要求的。
大学英语新理念综合教程第一册综合实训教学大纲
大学英语新理念综合教程第一册综合实训教学大纲课程简介本教程是针对大学第一或第二年级英语课程的学生设计的一套教材。
该教程旨在帮助学生全面提高英语听、说、读、写和翻译等综合语言能力，同时增强学生文化素养和跨文化交际能力。
本课程共分为四个模块：•Unit 1: Introduction to English Learning•Unit 2: Campus Life•Unit 3: Globalization•Unit 4: Education每个模块包含不同的主题和语言要点，涵盖从日常生活到社会，文化和全球化等多个领域。
学生将通过阅读和讨论文本、参与课堂活动、撰写英文作文和翻译等方式，达到综合英语语言水平的提高。
本课程拥有完整的教学大纲，旨在为教师提供全面的指导和支持，以帮助教师在实践中更成功地教授这门课程。
教学目标本课程的教学目标分为以下几个方面：•学生将通过听、说、读、写、翻译等方式，全面提高其英语综合语言水平，包括语音、词汇、语法和表达能力等方面。
•学生将了解和学习不同主题和领域的文本，增强其文化素养和跨文化交际能力。
•学生将通过参与课堂活动和独立写作的方式，提高其批判思考和逻辑思维能力，培养其创造性思维和解决问题的能力。
•学生将通过翻译不同类型和领域的文本，提高其语言实际应用能力，培养跨语言文化的交流与合作能力。
课程设计本课程共分为四个模块，每个模块包含多个单元。
每个单元都涵盖不同的主题和语言点，旨在为学生提供一种真实、具体、生动的学习体验。
以下是每个模块的简要介绍：Unit 1: Introduction to English Learning本单元主要是为学生介绍英语学习的历史和现状，包括英语的地位和应用领域、多样的英语方言和音系等内容。
学生还将了解如何利用不同的资源来提高自己的英语水平。
Unit 2: Campus Life本单元旨在增强学生日常生活、校园生活和留学生活等方面的英语应用能力，学生将学习如何在不同的场景和情境中使用英语进行交流，从而更好地融入当地文化和生活。
HND大综合2planning详解(可编辑修改word版)
ContentsPersonal assessment of skills (2)Title of the project (2)Objectives of the project. (2)Statement of issues of investigate (3)Reasons for the choice of issue (4)Justification for the choice of business (5)Primary and secondary sources of information (6)Primary information (6)Secondary information (6)Methods and Justification (7)Plan (8)Negotiated dates for the planning, development and evaluation of the project and timescales for conducting the investigation (7)Identification of the resources including time needed to carry out the investigation (8)Personal assessment of skillsI have a lot of advantage, such as honest and optimism. Due to good group consciousness, I can make contribute to cooperation and cohesion so that achieve organization’s goal as early as possible. When teammates speak, I am able to listen to their communication. If having mistake or different opinion, I will talk about with them instead of directly asking. I can work alone and work with others having various character. Apart from these, I have better executive power. Mission belonging to me, will usually be achieved before deadline.Before project, I realize my weakness. I have obsessive compulsive disorder, When I want to solve one thing, if it is unfinished, I will never do the next thing. so, sometimes, my project’s speed of progress is uncertain. Arrang ing mission improperly often lead to low efficient. In addition, because of carelessness sometimes, there is high mistake odds in my work. The GU 2 is a opportunity that can help me improve my weakness on above aspect, at same time, GU2 also is good for improving these abilities such as, communication and expression.Title of the projectThe title of my report is Hazeline in China-- investigation on the marketing strategy of Hazeline.Objectives of the projectWhen planing to enter into Chinese market, Hazeline has to face the potential threats and opportunities. As world-famous corporation, Unilever must issue a series of measures about how enter into a new market and how obtain expected results for Hazeline. Therefore, my objectives of the report are giving as follows:1)Survey the internal and external situation of Hazeline.2)Identify opportunities and threats in Chinese market.a)By PEST Analysis, to realize Chinese market environment.b)Analyze the Hazeline’s Product life cycle and Corporation life cycle.3)Analyse the strategies used by Hazeline in China.a)4P analysisb)Standardize or adapt it’s marketing mix4)Assess the advantages and disadvantages used by company.Statement of issues of investigateFirst and foremost, Hazeline is Unilever’s subsidiary, and Unilever is world famous multinational corporation founded in Europe rather than China, however, now, we can see Unilever’s product in a number of supermarket, wh ich means that Unilever must have the progress which enters into China and in the progress, Hazeline also is participant. There are lots of reason which make contribution to the progress, such as domestic factor and foreign factor. I will investigate the interior circumstances and external circumstances, such as:●Local market●local competition condition●Foreigner market such as China●Foreigner competition condition◆Furthermore, when Hazeline decides to enter into China, senior manager mustadapt strategy Chinese market. To achieve this, they should pay attention to the following factor●Competitors existing in Chinese market●Business environment in Chinese market, such as political, economic,social,technology●Unilever’s advantage and weakness in China●Unilever’s Product life cycle and Corporation life cycle.◆Next, I plan to find out these information about the methods used by Hazeline toenter into Chinese market and relevant news or report.●Investment strategy - by purchasing local well-know company tooverseas investment.●Brand strategy - multi-brand●Distribution strategy - multi-distribution●Price strategy - skim or penetrate strategy●Promotion strategy - advertisementFinally, I will analyse these strategies’ superiority and disadvantages.●What effects these strategies have brought●Whether these strategies have some latent defects●Whether these strategies can be upgraded.Reasons for the choice of issueWith China's economy develop rapidly, more and more corporation plan to invest in China.Hazeline is member of Unilever, in that, the plan that which country should be noticed often is made by Unilever, and Hazeline just obeys it. Unilever is multinational corporation, when it enter into China, its main aim is to earn more, however, there must be obvious reason that facilitate Unilever breeds the decision about oversea- investment. The reason is likely to is exterior or interior.Besides obeying supreme plan, in some detailed aspect, Hazeline also operates independently. Though China is both large and potential market, China is strange condition where customers’ figure and aesthetics standard are not same as Western people, so Haze line ought to make survey before entry for instance, customers’ need, political, economic and social condition. Hazeline’s development history is useful to understand their culture and common strategies. Adaption and standardization is vital problem for corporation when make oversea-investment. Strategy also is value to investigate. Wise business strategy, such as suitable product strategy, rightdistribution strategy make contribute to obtain Chinese market easily.My study may involved these HND unit textbooks: International Marketing: The Mix, International Marketing: An introduction, Global Business Organizations, Business Culture and Strategy , Business Accounting and Business contract relationship.International Marketing: The Mix offer the definition of 4P, meanwhile the content also includes their advantages and disadvantages. What’s more, it also introduces some reasons which strategy should be chosen.Global Business Organizations explain how a company use business strategies.Business Accounting teach us how analyse a company’s business condition by the fluctuation of profit and loss statement, balance sheet and cash flow chart.Business Culture and Strategy provide PEST analysis and product life cycle for us to identify opportunities and threats in foreigner markets.Business contract relationship illustrates the way to solve and avoid serious labor conflict.International Marketing: An introduction is good for choosing entry mode.Justification for the choice of businessAs lots of Chinese customers know clearly, Hazeline is a well-know brand belonging to Unilever. During these years, Hazeline, existing shampoo industry competitively, upgrades itself by some strategies all the time. According its character, I think Hazelin e conforms to GU2’s requirement, at same time, If I regarded Unilever as my topic, it would have less problem in the progress.Primary and secondary sources of informationSource information includes primary information and secondary information.Primary informationPrimary information mainly includes questionnaire survey and inquiry.About questionnaire survey, first of all, I ought to make a questionnaire containing valuable questions about their need and opinion. The next step is to interview passerby in street. Recently, mobile phone is increasingly more popular, so to protect environment, I also use net questionnaire, which reduces the use of paper. By this method, I will know what level of Hazeline’s product is in customers’ mind. When the number of passerby asked is adequate, I can obtain required message that is benefit to make business strategies.In inquiry aspect, I will survey the salesmen of Hazeline’s product on the spot. On the one hand, these people have high odds be Hazeline’s consumers. On the other hand, if they are constant and industrious, besides Unilever’s informat ion, they also offer competitors’ condition. Apart from salesmen, managers also is good choice, however, it is hard for student to interview managers because of scarce social resources.Secondary informationThe prime way to acquire secondary information is internet, news and textbooks.About news, Hazeline must be reported when they adopt new strategies or happen to important event as Unilever’s subsidiary, so news is one of alternative way. But, news has deficiency, for example, European news always do not pass to Asia simultaneously. Internet solved the problem.About internet, it is much convenient to collect relevant message. By internet, I can get abundant message without time or geography limitation. Meanwhile, internet can offer some message that I can not get in local market.About textbooks, they provide us with theories and manner to analyze annual report. By textbooks, I understand which strategies Hazeline should choose and how to carry out it further.Methods and JustificationComprehensive questionnaire is the way that can collect an amply amount of valuable and required data from customers directly without human intervention. By these authentic data, I can understand customers’ state for Hazeline and others congeneric product.Surveying on the spot has similar advantage with questionnaire. Interior staff can offer me customer’s feedback, besides, sales department is able to provide the percentage that Hazeline account for total shampoo sales volume. According to the informatio n, Hazeline’s life cycle can be inferred.Official website has Unilever as well as Hazeline’ development progress, annual report which conduce to analyse business condition and strategies used recently.Plan1.Negotiated dates for the planning, development and evaluation ofthe project and timescales for conducting the investigationa)The planning stage begins will be finished by 9th Mar. 2016, during this period, the following investigation will be carried out.i.Survey the internal and external situation of Hazeline.ii.Collecting the company’s relevant informationiii.Submit the draft of planning by Mar.9th.b)This report covers four objectives which will be conducted as follows:i.Find out Hazeline’s relevant strategy. (Mar. 10th –Mar. 13th)ii.Analyse the strategies used by Hazeline in China. (Mar. 14th - Mar. 18th)iii.Assess the advantages and disadvantages used by company.(Mar. 19th –Mar. 21th)iv.Submit the first draft of the investigation report at the end of Mar. 25st.v.Submit the final investigation report at the end of Apr. 8thc)Evaluate the report and submit the first draft of the evaluation stage by the end of Apr. 17th2.Identification of the resources including time needed to carry out the investigationThe competition environment, the product information and a bit of feedback from customers exist in internet.Survey on spot is very important. This is able to help me to make up the loopholes inthe above information and realize some unexpected information.Because Hazelineis a subsidiary of Unilever, so I obtain some relevant data from the official website of Unilever where financial report is. As an auxiliary, borrowing books from library also is option. During this period, those information such as background, common strategies and recent business strategies also can be known. These work will be completed before 19th MarThe questionnaires survey should be finished before 1st Mar. I takes 3 days to Conceive and fabricate the questionnaires, 4 days to execute the survey and 2 days to analyse result and get conclusion.Activities log。
(完整版)HND大综合2planning详解(可编辑修改word版)
ContentsPersonal assessment of skills (2)Title of the project (2)Objectives of the project. (2)Statement of issues of investigate (3)Reasons for the choice of issue (4)Justification for the choice of business (5)Primary and secondary sources of information (6)Primary information (6)Secondary information (6)Methods and Justification (7)Plan (8)Negotiated dates for the planning, development and evaluation of the project and timescales for conducting the investigation (7)Identification of the resources including time needed to carry out the investigation (8)Personal assessment of skillsI have a lot of advantage, such as honest and optimism. Due to good group consciousness, I can make contribute to cooperation and cohesion so that achieve organization’s goal as early as possible. When teammates speak, I am able to listen to their communication. If having mistake or different opinion, I will talk about with them instead of directly asking. I can work alone and work with others having various character. Apart from these, I have better executive power. Mission belonging to me, will usually be achieved before deadline.Before project, I realize my weakness. I have obsessive compulsive disorder, When I want to solve one thing, if it is unfinished, I will never do the next thing. so, sometimes, my project’s speed of progress is uncertain. Arrang ing mission improperly often lead to low efficient. In addition, because of carelessness sometimes, there is high mistake odds in my work. The GU 2 is a opportunity that can help me improve my weakness on above aspect, at same time, GU2 also is good for improving these abilities such as, communication and expression.Title of the projectThe title of my report is Hazeline in China-- investigation on the marketing strategy of Hazeline.Objectives of the projectWhen planing to enter into Chinese market, Hazeline has to face the potential threats and opportunities. As world-famous corporation, Unilever must issue a series of measures about how enter into a new market and how obtain expected results for Hazeline. Therefore, my objectives of the report are giving as follows:1)Survey the internal and external situation of Hazeline.2)Identify opportunities and threats in Chinese market.a)By PEST Analysis, to realize Chinese market environment.b)Analyze the Hazeline’s Product life cycle and Corporation life cycle.3)Analyse the strategies used by Hazeline in China.a)4P analysisb)Standardize or adapt it’s marketing mix4)Assess the advantages and disadvantages used by company.Statement of issues of investigateFirst and foremost, Hazeline is Unilever’s subsidiary, and Unilever is world famous multinational corporation founded in Europe rather than China, however, now, we can see Unilever’s product in a number of supermarket, wh ich means that Unilever must have the progress which enters into China and in the progress, Hazeline also is participant. There are lots of reason which make contribution to the progress, such as domestic factor and foreign factor. I will investigate the interior circumstances and external circumstances, such as:●Local market●local competition condition●Foreigner market such as China●Foreigner competition condition◆Furthermore, when Hazeline decides to enter into China, senior manager mustadapt strategy Chinese market. To achieve this, they should pay attention to the following factor●Competitors existing in Chinese market●Business environment in Chinese market, such as political, economic,social,technology●Unilever’s advantage and weakness in China●Unilever’s Product life cycle and Corporation life cycle.◆Next, I plan to find out these information about the methods used by Hazeline toenter into Chinese market and relevant news or report.●Investment strategy - by purchasing local well-know company tooverseas investment.●Brand strategy - multi-brand●Distribution strategy - multi-distribution●Price strategy - skim or penetrate strategy●Promotion strategy - advertisementFinally, I will analyse these strategies’ superiority and disadvantages.●What effects these strategies have brought●Whether these strategies have some latent defects●Whether these strategies can be upgraded.Reasons for the choice of issueWith China's economy develop rapidly, more and more corporation plan to invest in China.Hazeline is member of Unilever, in that, the plan that which country should be noticed often is made by Unilever, and Hazeline just obeys it. Unilever is multinational corporation, when it enter into China, its main aim is to earn more, however, there must be obvious reason that facilitate Unilever breeds the decision about oversea- investment. The reason is likely to is exterior or interior.Besides obeying supreme plan, in some detailed aspect, Hazeline also operates independently. Though China is both large and potential market, China is strange condition where customers’ figure and aesthetics standard are not same as Western people, so Haze line ought to make survey before entry for instance, customers’ need, political, economic and social condition. Hazeline’s development history is useful to understand their culture and common strategies. Adaption and standardization is vital problem for corporation when make oversea-investment. Strategy also is value to investigate. Wise business strategy, such as suitable product strategy, rightdistribution strategy make contribute to obtain Chinese market easily.My study may involved these HND unit textbooks: International Marketing: The Mix, International Marketing: An introduction, Global Business Organizations, Business Culture and Strategy , Business Accounting and Business contract relationship.International Marketing: The Mix offer the definition of 4P, meanwhile the content also includes their advantages and disadvantages. What’s more, it also introduces some reasons which strategy should be chosen.Global Business Organizations explain how a company use business strategies.Business Accounting teach us how analyse a company’s business condition by the fluctuation of profit and loss statement, balance sheet and cash flow chart.Business Culture and Strategy provide PEST analysis and product life cycle for us to identify opportunities and threats in foreigner markets.Business contract relationship illustrates the way to solve and avoid serious labor conflict.International Marketing: An introduction is good for choosing entry mode.Justification for the choice of businessAs lots of Chinese customers know clearly, Hazeline is a well-know brand belonging to Unilever. During these years, Hazeline, existing shampoo industry competitively, upgrades itself by some strategies all the time. According its character, I think Hazelin e conforms to GU2’s requirement, at same time, If I regarded Unilever as my topic, it would have less problem in the progress.Primary and secondary sources of informationSource information includes primary information and secondary information.Primary informationPrimary information mainly includes questionnaire survey and inquiry.About questionnaire survey, first of all, I ought to make a questionnaire containing valuable questions about their need and opinion. The next step is to interview passerby in street. Recently, mobile phone is increasingly more popular, so to protect environment, I also use net questionnaire, which reduces the use of paper. By this method, I will know what level of Hazeline’s product is in customers’ mind. When the number of passerby asked is adequate, I can obtain required message that is benefit to make business strategies.In inquiry aspect, I will survey the salesmen of Hazeline’s product on the spot. On the one hand, these people have high odds be Hazeline’s consumers. On the other hand, if they are constant and industrious, besides Unilever’s informat ion, they also offer competitors’ condition. Apart from salesmen, managers also is good choice, however, it is hard for student to interview managers because of scarce social resources.Secondary informationThe prime way to acquire secondary information is internet, news and textbooks.About news, Hazeline must be reported when they adopt new strategies or happen to important event as Unilever’s subsidiary, so news is one of alternative way. But, news has deficiency, for example, European news always do not pass to Asia simultaneously. Internet solved the problem.About internet, it is much convenient to collect relevant message. By internet, I can get abundant message without time or geography limitation. Meanwhile, internet can offer some message that I can not get in local market.About textbooks, they provide us with theories and manner to analyze annual report. By textbooks, I understand which strategies Hazeline should choose and how to carry out it further.Methods and JustificationComprehensive questionnaire is the way that can collect an amply amount of valuable and required data from customers directly without human intervention. By these authentic data, I can understand customers’ state for Hazeline and others congeneric product.Surveying on the spot has similar advantage with questionnaire. Interior staff can offer me customer’s feedback, besides, sales department is able to provide the percentage that Hazeline account for total shampoo sales volume. According to the informatio n, Hazeline’s life cycle can be inferred.Official website has Unilever as well as Hazeline’ development progress, annual report which conduce to analyse business condition and strategies used recently.Plan1.Negotiated dates for the planning, development and evaluation ofthe project and timescales for conducting the investigationa)The planning stage begins will be finished by 9th Mar. 2016, during this period, the following investigation will be carried out.i.Survey the internal and external situation of Hazeline.ii.Collecting the company’s relevant informationiii.Submit the draft of planning by Mar.9th.b)This report covers four objectives which will be conducted as follows:i.Find out Hazeline’s relevant strategy. (Mar. 10th –Mar. 13th)ii.Analyse the strategies used by Hazeline in China. (Mar. 14th - Mar. 18th)iii.Assess the advantages and disadvantages used by company.(Mar. 19th –Mar. 21th)iv.Submit the first draft of the investigation report at the end of Mar. 25st.v.Submit the final investigation report at the end of Apr. 8thc)Evaluate the report and submit the first draft of the evaluation stage by the end of Apr. 17th2.Identification of the resources including time needed to carry out the investigationThe competition environment, the product information and a bit of feedback from customers exist in internet.Survey on spot is very important. This is able to help me to make up the loopholes inthe above information and realize some unexpected information.Because Hazelineis a subsidiary of Unilever, so I obtain some relevant data from the official website of Unilever where financial report is. As an auxiliary, borrowing books from library also is option. During this period, those information such as background, common strategies and recent business strategies also can be known. These work will be completed before 19th MarThe questionnaires survey should be finished before 1st Mar. I takes 3 days to Conceive and fabricate the questionnaires, 4 days to execute the survey and 2 days to analyse result and get conclusion.Activities log。
新标准大学英语(第二版)综合教程 精读1 课后参考翻译
新标准大学英语综合教程1课后参考翻译Unit 1英译汉：T oday, a gap year refers mostly to a year taken before starting university or college. During their gap year, American students either engage in advanced academic courses or do some volunteer work to improve their knowledge, maturity, decision-making, leadership, independence, self-sufficiency and more, thus improving their résumés before going to college. British and European students, however, take a much more holiday-style approach to the gap year by generally working for 3–6 months and then travelling around the world before college begins. This is intended to expand their minds, personal confidence, experiences and interests prior to college. It is a much less structured approach than taken in the United States, and is generally viewed by parents as a formative year for young adults to become independent and learn a great deal of responsibility prior to engaging in university life.参考译文：如今，间隔年最为普遍的含义是指上大学前的一年。
研究生英语综合教程课件与课后答案Unit 1
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8
Starting out
Task 3
Read the following two pieces of parental advice on page 3 and discuss with your partner which one you would follow.. Nhomakorabea9
Starting out—Task 3
1. The unemployment rate of people at 20 to 42 age bracket in May was 14.7%, five tenths percentage points lower than the national rate .
2. According to NACE, employment situation in 2007 was more optimistic, with more college graduates finding jobs and with a higher starting pay than in this year.
2. We don’t care what you set out to study; just make sure it’s something you enjoy.
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10
Starting out
Job market in US This year’s college graduates in US are faced with a hard test of job market . Listen carefully to a report on the high unemployment rate for American youth this summer and do the following exercise:
新思路大学英语综合教程第一册(第四版)课件Section A, Unit 1
BOOK1
Unit1
Main ideas of each paragragh of Text A
Para. 5 College is _m__o_re__th_a_n_f_u_n___. Para. 6 _E_x_p_e_ri_e_n_c_es_ to find the _p_u_rp_o_s_e of college education. Para. 7 _E_x_a_m__p_le_s_o_f_r_e_a_s_o_n_s _ for entering college. Para. 8 To experiment and consider the purpose for college education and its significance to their future life.
BOOK1
Unit1
Effects:
The narrator describes what “you” do and lets you into your own thoughts and background.
In books popular with younger readers, it allows the reader to “be” the central character in the story provides an immersive（沉浸式） reading experience, enhancing what is at stake for the character and reader.
BOOK1
Unit1
Task 2:Text to Life
Directions: Discuss with a partner the following questions. Share your thoughts and comments with the class. Do you like your major? Why did you choose your major? Do you want to choose a job in related career fields? Do you think it is possible to combine profession and passion?
(完整版)HND大综合2planning详解
ContentsPersonal assessment of skills (2)Title of the project (2)Objectives of the project (2)Statement of issues of investigate (3)Reasons for the choice of issue (4)Justification for the choice of business (5)Primary and secondary sources of information (6)Primary information (6)Secondary information (6)Methods and Justification (7)Plan (8)Negotiated dates for the planning, development and evaluation of the project and timescales for conducting the investigation (7)Identification of the resources including time needed to carry out the investigation (8)Personal assessment of skillsI have a lot of advantage, such as honest and optimism. Due to good group consciousness, I can make contribute to cooperation and cohesion so that achieve organization’s goal as early as possible. When teammates speak, I am able to listen to their communication. If having mistake or different opinion, I will talk about with them instead of directly asking. I can work alone and work with others having various character. Apart from these, I have better executive power. Mission belonging to me, will usually be achieved before deadline.Before project, I realize my weakness. I have obsessive compulsive disorder, When I want to solve one thing, if it is unfinished, I will never do the next thing. so, sometimes, my project’s speed of progress is uncertain. Arranging mission improperly often lead to low efficient. In addition, because of carelessness sometimes, there is high mistake odds in my work. The GU 2 is a opportunity that can help me improve my weakness on above aspect, at same time, GU2 also is good for improving these abilities such as, communication and expression.Title of the projectThe title of my report is Hazeline in China-- investigation on the marketing strategy of Hazeline.Objectives of the projectWhen planing to enter into Chinese market, Hazeline has to face the potential threats and opportunities. As world-famous corporation, Unilever must issue a series of measures about how enter into a new market and how obtain expected results for Hazeline. Therefore, my objectives of the report are giving as follows:1)Survey the internal and external situation of Hazeline.2)Identify opportunities and threats in Chinese market.a)By PEST Analysis, to realize Chinese market environment.b)Analyze the Hazeline’s Product life cycle and Corporation life cycle.3)Analyse the strategies used by Hazeline in China.a) 4P analysisb) Standardize or adapt it’s marketing mix4)Assess the advantages and disadvantages used by company.Statement of issues of investigateFirst and foremost, Hazeline is Unilever’s subsidiary, and Unilever is world famous multinational corporation founded in Europe rather than China, however, now, we can see Unilever’s product in a number of supermarket, which means that Unilever must have the progress which enters into China and in the progress, Hazeline also is participant. There are lots of reason which make contribution to the progress, such as domestic factor and foreign factor. I will investigate the interior circumstances and external circumstances, such as:●Local market●local competition condition●Foreigner market such as China●Foreigner competition condition◆Furthermore, when Hazeline decides to enter into China, senior manager mustadapt strategy Chinese market. To achieve this, they should pay attention to the following factor●Competitors existing in Chinese market●Business environment in Chinese market, such as political, economic,social,technology●Unilever’s advantage and weakness in China●Unilever’s Product life cycle and Corporation life cycle.◆Next, I plan to find out these information about the methods used by Hazeline toenter into Chinese market and relevant news or report.●Investment strategy - by purchasing local well-know company tooverseas investment.●Brand strategy - multi-brand●Distribution strategy - multi-distribution●Price strategy - skim or penetrate strategy●Promotion strategy - advertisementFinally, I will analyse these strategies’ superiority and disadvantages.●What effects these strategies have brought●Whether these strategies have some latent defects●Whether these strategies can be upgraded.Reasons for the choice of issueWith China's economy develop rapidly, more and more corporation plan to invest in China.Hazeline is member of Unilever, in that, the plan that which country should be noticed often is made by Unilever, and Hazeline just obeys it. Unilever is multinational corporation, when it enter into China, its main aim is to earn more, however, there must be obvious reason that facilitate Unilever breeds the decision about oversea-investment. The reason is likely to is exterior or interior.Besides obeying supreme plan, in some detailed aspect, Hazeline also operates independently. Though China is both large and potential market, China is strange condition where customers’figure and aesthetics standard are not same as Western people, so Hazeline ought to make survey before entry for instance, customers’ need, political, economic and social condition. Hazeline’s development history is useful to understand their culture and common strategies. Adaption and standardization is vital problem for corporation when make oversea-investment. Strategy also is value to investigate. Wise business strategy, such as suitable product strategy, right distributionstrategy make contribute to obtain Chinese market easily.My study may involved these HND unit textbooks: International Marketing: The Mix, International Marketing: An introduction, Global Business Organizations, Business Culture and Strategy , Business Accounting and Business contract relationship.International Marketing: The Mix offer the definition of 4P, meanwhile the content also includes their advantages and disadvantages. What’s more, it also introduces some reasons which strategy should be chosen.Global Business Organizations explain how a company use business strategies.Business Accounting teach us how analyse a company’s business condition by the fluctuation of profit and loss statement, balance sheet and cash flow chart.Business Culture and Strategy provide PEST analysis and product life cycle for us to identify opportunities and threats in foreigner markets.Business contract relationship illustrates the way to solve and avoid serious labor conflict.International Marketing: An introduction is good for choosing entry mode.Justification for the choice of businessAs lots of Chinese customers know clearly, Hazeline is a well-know brand belonging to Unilever. During these years, Hazeline, existing shampoo industry competitively, upgrades itself by some strategies all the time. According its character, I think Hazeline conforms to GU2’s requirement, at same time, If I regarded Unilever as my topic, it would have less problem in the progress.Primary and secondary sources of informationSource information includes primary information and secondary information.Primary informationPrimary information mainly includes questionnaire survey and inquiry.About questionnaire survey, first of all, I ought to make a questionnaire containing valuable questions about their need and opinion. The next step is to interview passerby in street. Recently, mobile phone is increasingly more popular, so to protect environment, I also use net questionnaire, which reduces the use of paper. By this method, I will know what level of Hazeline’s product is in customers’ mind. When the number of passerby asked is adequate, I can obtain required message that is benefit to make business strategies.In inquiry aspect, I will survey the salesmen of Hazeline’s product on the spot. On the one hand, these people have high odds be Hazeline’s consumers. On the other hand, if they are constant and industrious, besides Unilever’s information, they also offer competitors’ condition. Apart from salesmen, managers also is good choice, however, it is hard for student to interview managers because of scarce social resources.Secondary informationThe prime way to acquire secondary information is internet, news and textbooks.About news, Hazeline must be reported when they adopt new strategies or happen to important event as Unilever’s subsidiary, so news is one of alternative way. But, news has deficiency, for example, European news always do not pass to Asia simultaneously. Internet solved the problem.About internet, it is much convenient to collect relevant message. By internet, I can get abundant message without time or geography limitation. Meanwhile, internet can offer some message that I can not get in local market.About textbooks, they provide us with theories and manner to analyze annual report. By textbooks, I understand which strategies Hazeline should choose and how to carry out it further.Methods and JustificationComprehensive questionnaire is the way that can collect an amply amount of valuable and required data from customers directly without human intervention. By these authentic data, I can understand customers’ state for Hazeline and others congeneric product.Surveying on the spot has similar advantage with questionnaire. Interior staff can offer me customer’s feedback, besides, sales department is able to provide the percentage that Hazeline account for total shampoo sales volume. According to the information, Hazeline’s life cycle can be inferred.Official website has Unilever as well as Hazeline’development progress, annual report which conduce to analyse business condition and strategies used recently.Plan1.Negotiated dates for the planning, development and evaluation ofthe project and timescales for conducting the investigationa) The planning stage begins will be finished by 9th Mar. 2016, during this period, the following investigation will be carried out.i. Survey the internal and external situation of Hazeline.ii. Collecting the company’s relevant informationiii. Submit the draft of planning by Mar.9th.b) This report covers four objectives which will be conducted as follows:i. Find out Hazeline’s relevant strategy. (Mar. 10th –Mar. 13th)ii. Analyse the strategies used by Hazeline in China. (Mar. 14th - Mar. 18th)iii. Assess the advantages and disadvantages used by company.(Mar. 19th –Mar. 21th)iv. Submit the first draft of the investigation report at the end of Mar. 25st.v. Submit the final investigation report at the end of Apr. 8thc) Evaluate the report and submit the first draft of the evaluation stage by the end of Apr. 17th2. Identification of the resources including time needed to carry out the investigationThe competition environment, the product information and a bit of feedback from customers exist in internet.Survey on spot is very important. This is able to help me to make up the loopholes inthe above information and realize some unexpected information.Because Hazelineis a subsidiary of Unilever, so I obtain some relevant data from the official website of Unilever where financial report is. As an auxiliary, borrowing books from library also is option. During this period, those information such as background, common strategies and recent business strategies also can be known. These work will be completed before 19th MarThe questionnaires survey should be finished before 1st Mar. I takes 3 days to Conceive and fabricate the questionnaires, 4 days to execute the survey and 2 days to analyse result and get conclusion.Activities log。
HND大综合
1.Planning—Action Plan1.1 Likely resources to be usedI am a bank's investment manager. Our target customers are David and his wife Martha Collins. This is the first phase of the report, including strategy, the main resources and the timing of the project. In this report I will use some resources are as follows : the main research: I will use surveys and observational studies, to David and Martha plan to close the lowest risk profit maximum programme. Secondary research: I will search for online information search, information books, buy a newspaper, the questionnaire survey way, I will also use ( questionnaire in the appendix), then I realized that any customer is old people who are over the age of 70to obtion low risk financial plan. Also researchers to generate a financial plan from 2011 to2013. I have a group, we will have a discussion group. This information can understand the new rate, new product information, some banks, I can with my group to provide the best customer project.1.2 Strategy for carrying out reportProduct life cycle is a marketing study, which can help customers know, they can get the maximum profit investment. In the first instance, I will consult by telephone to understand the idea of the David`s and Martha`s in mind and make a household survey. So that they may be more understanding of the financial construction order to understand their needs.On the one hand, according to their family is saving, pensions and any other expenditure. I will make a list of funds, then analyze and identify the financial risks and other kind of risk like this investment was failed and so on.Different portfolio based on different stages of lifetime, customers can choose according to their own situation of different products. Group discussion, there are many staff to customer service and we can discuss the best solution for customers1.3 How the project will be managedI spend 4 months to complete this report and make 3 year plan for them,In this project divided into three parts,planning,developing and evolution.In the plan I will introduce some basic information, such as the resources and strategies, I will use my report, structure, time for my report, I how to arrange a time to finish my report, and help resources. I will introduce some of the key factors in the situation, summary customer financial demand include deposit, loan demand, protection needs. Suggestions for improvement, potential suppliers, I will list relevant products and services, and benefit-need analysis, comparison between suppliers, for tax position, I'll give you a reason to choose. In the evaluation, an evaluation standard, in this part there is a standard to evaluate the financial planning can help clients to understand my planning more clearly, the changes made to the project than the original plan, and the effectiveness of the process. The last is the conclusion, in which I can ensure thatthe final financial plan for my clients.I got the information from newspapers and the Internet or other place, it can help me get good news, interested, I can better enable customers to maximize the benefits, according to all their money, I could help them do the low risk investment, I will know something about the phone, their family members and all of the assets and make a questionnaire survey, understand their needs,group discussion is a kind of can get some useful information from the different things, can you help me to put the best project, my client, these important information can be provided to couple to solve the problem quickly.questionnaire survey1: your general in what time period to the bank for business:A Monday to five9:00-12:00-14:00-16:30 17.69%B Monday to five12:00-14:00 0%C weekend or holiday 1076.92%D Other2: you choose which way for banking business?A go to the bank counter service 323.08%B in the Internet bank business0%C use ATM automatic teller machine for business3: Do you think the bank queue is serious?A yesB no4. How much returns of investment do you expect to obtain through the financial plan designed by us?A. ≤3%B. 3%-6%C. ＞6%2 .Developing—case study report2.1 Key factors in case study1. Fundament situation of clientsDavid Collins, who is 73 years old, he is a retired former Army Colonel.Martha Collins, Davids' wife,aged 70 and also retired, was formerly a legal secretary.Both of them keep in very good health and enjoy a good standard os living form their generous pensions.The couples have two grown-up children Jonathan and Jeanette.Jonathan is 51 years old and has never married. Jeanette is 48 years old having four children aged between 24 and 14 years of age2. Family statement of income and expenditureThe couples have a three-bedroom townhouse in a fairly popular part of town,which has been estimated at a value of 310,000 and which their own outright.They have 4,500 cheque account and 12.00 instant access savings accounts in Cadogan Bank.having 40,00 national saving capital bonds, 2500 national saving income bonds and 10,000 premium bonds. They couples also have treasury stoke which has had at a value 15,00 until 20143. Financial situationDavid retired former Army Colonel,his annual income is 70,000. Martha Collin retired form a legal secretary, her annual income is 50,00.Collin's annual income os 120.000.I will make a detail diagram.Annual income after tax Value PercentageDavid £70,000 58%Martha £50.000 41%Total income £120000 100%4. David and Martha Collins family tree5,According to the case ,taking some assumption(1)Inflation rateAccording to this year report,the highest inflation rate is 4.4% in February,but the government Controls great,so the rate fall to 1.9% just under the expectation. From my perspective, the inflation rate will be 3%during 2011 to 2013(2)Emerge cash available:Considering the Collin`s both senior,so they must keep some emerge cash to resolve accident.I argue they could keep £40,000.（3）Life expenses:I maintain the couple life expenses are £3600.（4）Bills：Collin is bill are £4800.(5)Traveling expenses:They traveling expenses are £3000(6)Some other expenditure is £1000.(7)The rent of three-bedroom townhouse in a fairly popular part of town is £12000(8)The two bedroom house value is £250000.2.2 Likely financial needs of the clients2.2.1 SavingsThe collins expect to have an additional 40，000 in cash available for savings, after purchase and all associated legal and removal costs, David and Martha both are senior so their financial portfolio are low risk and their have been careful savers throughout their lifetime and have tended to investments that carry any risk.2.2.2 Mortgage needsAccording to they relies that, as they are not getting any younger so they planning to move to sheltered accommodation and have identified a two-bedroom property nearer to Jeanette's home.2.2.3 Protection needsDavid and Martha are determined that their grandchildren should benefit form their estate when the couple die and are concerned that should they ever need to go into a nursing home, that their financial assets will be drained to pay for the costs. They do not wish to place the burden of paying for care on their children..they are aware that the value of their estate is such that this may lead to the payment of inheritance tax. They are anxious to avoid this.2.3 Suggestions for improvementAccording to David and Martha is financial needs ,I make this suggestions for three parts savings,Mortgage and their protection needs.Saving:For helping the couple know more about the risk of saving and the profit of saving,I make a list and a diagram.The types of savin Risk Profit interest rateChequy Account low low 0%Saving Account low low 0.50%Capital bonds middle middle 2.50%Income bonds middle middle 1.75%Treasury stock hight hight 10%Premium bonds low low 0.90%I will do some adjustment in their savings portfolio.I insist the couple leave £4000 in their Cheque Account because the couple need that in cash available. Leaving £5000 in their Instant Access Saving Account because the couple could handle some emerge things and withdraw all cash £10000 in Premium Bonds.Transferring all this cash in Capital Bonds and Treasury Stoke.The adjustment saving portfolio is:£4000Cadogan Bank Cheque Account£5000Cadogan Bank Instant Access Savings Account£60000National Savings Capital Bounds£5000National Savings Income Bounds£32500Treasury Stock 2014Total:£106500Mortgage:Strategy 1:The couples buy the second house which is sheltered accommodation and have identified a two bedroom property nearer to Jeanette is home and their do not move to nursing house.Strategy 2:The couples will nit buy the second house, they just move to the nursing house.Strategy 3:The couples buy the second house and the couple pay full, because they are not young to burden such loan, they do not suit have liability in this age .living in the house two years because they near to Jeanette is home and Jeannette don not married, so she can could company the couples and gives them best care and rent the first house. Nevertheless Jeannette is not younger, so I maintain that the couples go to the nursing house in the third years, that can save two years capital spending in nursing house, So the couple will not worry that their financial will be drained to pay for the costs.Strategy 4The couple mortgage their three bedroom house and loan 70% of the value of the three bedroom house. Their three bedroom value is £310000,so they can loan £210000 to the bank and the two bedroom house is £250000 the couple could pay 30% of the second house which is £80000 and I recognize the repayment will be handle by their grandchildren who are graduated. That means Jack and Church and I recommend that couple transfer the three bedroom to their another 2 children.ProtectionI make three strategies in Mortgage,if the couples choose 1 or 3 ,I insist their can register grandchildren is name to buy the second house. That can avoid the transfer fee and the high inheritance tax and they could buy some education insurance for their grandchildren. The couple also could buy some gold to deal with the inflation and sent them to their grandchildren.Other suggestions:The couples could open the e-bank in order to help them dealing with the varices bills, because they are old ,they don have physical power to handle such things.They could open a card which can transfer the other countries currency because the couple like travel.2.4 Likely providersBanks:BarclaysBarclays PLC is a global financial services company headquartered un London,United Kingdom.As of 2010,it is the world is 10th-largest banking and financial service group and 21st-largest company according to a composite measure by Forbes magazine.One of the four private banks in the United Kingdom, ranked third, is the world's largest banks. Barclays Capital, Barclays's investment banking department in 2008, the acquisition of old U.S. investment bank Lehman Brothers. The first quarter of 2012, Barclays Capital, M & A, second in Asia. 1896 Barclay, Bevan, Tritton, the Lanza Bull Fremont companies, banks merged the shares of Barclays Bank. After the merger and continue to other banks, the increasing scale of its current name in 1917. Operate a wide range of financial services, including clearing, investment, insurance, leasing, export credits, property management. London six clearing banks to issue credit cards in the UK in 1966. Has a number of subsidiaries of Barclays International Bank, Barclays Finance Corporation in the international community has a number of branches, and investing in Spain, Bermuda, Belgium, the big banks, the formation of a large international consortium of banks. In the domestic shipbuilding, shipping, machine manufacturing industry and the Press Trust of close ties.Company business: Barclays Bank through bank branches, ATMs, phone, Internet to UK personal customers and small business sector in Africa, some of the Group offers a range of services. In addition, Barclays Bank but also for the world of rich people to provide property management services, especially investment, asset evaluation, long-term financial planning business.Company size: Barclays Bank to Britain as the center, to provide financial services, is the main business of banking and investment. If the asset is measured, Barclays Bank is the UK's largest financial bank. The Barclays Bank in many other countries with branches, is a huge multinational bank. Barclays Bank PLC has a history of over 300 years, the business scope of coverage to more than 60 countries, including all of the financial center. By 2000June, Barclays Bank employees around the world about 70300, one of the 52300working in the uk.HSBC:Headquartered in London,HSBC is one of the largest banking and financial service organisations in the word.HSBC is international network comprises around 7500 offices in 87 countries and territories in Europe,the Asia-Pacific region,the Americas the Middle East and Africa.With listings on the London. HongKong,New York,Paris and Bermuda stock exchanges, shares in HSBC holdings plc are held by over 221.000 shareholders in 127 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts.HCBC provides a comprehensive range of financial service to around 95 million customers through four customer groups and global businesses:Personal Financial service;Commercial Banking: Global Banking and Markets;Global Private Banking.City BankMidland BankMidland Bank Plc was one of the Big four banking groups in the United Kingdom for most of the 20th century. It is now part of HSBC The bank was founded as the Birmingham and Midland Bank in Union Street, Birmingham England in August 1836. It expanded in the Midlands absorbing many local banks, and merged with the Central Bank of London Ltd in 1891, becoming the London City and Midland Bank. After a period of nationwide expansion, including the acquisition of many smaller banks, the name Midland Bank Ltd was adopted in 1923. By 1934 it was the largest deposit bank in the world. It was listed on the London Stock Exchange and was once a constituent of the FTSE 100 Index but in 1992 it was taken over by HSBC Holdings plc.2.5 Relevant products and servicesI will give the details of the financial products as following. Two banks,a nursing home and a insurance company.Barclays:Foreign Currency Account·Bank in the currency of your choice·Make and receive foreign payments with case·Reduce your exchange rate risk·You need a Barclatys sterling account before you can open a Foreign CurrencyWhat can get·An account that helps you reduce the risk of fluctuating exchange rates·Choose from a wide range of foreign currencies·Cheque book·Regular statements to help you keep track of your moneyIn general, there are three types of property insurance coverage, LITE-ON and medical care. They have a wide range of coverage and effective transfer of risk to customers. It is particularly worth mentioning is, how to guarantee the life insurance, it is the only policy, make the elderly over 70 years old in Corinth insurance, although the insured amount shall not reached average level. In addition to ensure life insurance, private health insurance is what is believed to be necessary, because it can greatly reduce customer costs, medical care in light of its increasingdisease risk.2.6 Benefit-needs analysisIn this sector,I will give a lot of data and chat to analysis Collin`s benefit-needs.The chat of Collin is portfolio before adjustmentThe chat of Collin is portfolio after adjustment:The annual income and annual expenditure I mentioned in 2.1,so the saving rate is (120.000-96.000)/120.00=0.2 so the family could put 20% income in investment,but the family want buy second house, I do not suggest to increase the capital in some new investment plan.have no need to repay the loans. Their ability still zero.is during the three years plan, the finial assets reach at £181250.Annual surplus ratio:annual surplus/annual income ,so the ratio are 90.8%(2011),1.7%(2012),38.3%(2013),2.6%(2014)respectively.2.7 Comparison among providersFirstly, I will compare the mortgage loan repayment in different banksBank name type Rate Max LTV% Monthly repayment Repayment period Barclays 2year fixed 2.98% 70% £941.11 20yearsHSBC 2year fixed 3.89% 70%£1.020 20yearsNow I will focus on the format above to do the SWOT analysis to 2 banks respectivelySWOT graphStrength:the repayment is lower Opportunities:max LTV%can reach 70% Weak: web information is less Threaten:the form is simpleHSBCStrength:web information is adequate Opportunities:the form is detail,max LTV% reach 70%Weak: the repayment is higher Threaten:the rate also higherFor the collin is family, they must more concentrate on monthly repayment, Barclays monthly repayment is £941.11 which is lower than that HSBC bank.So I recommend choose Barclay to get the loan.2.8 Effect on tax positionAccording to HM treasury, inheritance Tax is usually paid on an estate when somebody dies. It is also sometimes payable on trusts or gifts made during someone is lifetime. Most estates do not have to pay Inheritance Tax because they are valued at less than the threshold.To illustration, the Collins possess assets is amount £395,425. According to the formula, the tax payable is 28.570That is huge money, so we should get some ideas to avoid that. Some cash gifts are exempt from tax regardless of the seven year rule. They include:wedding gifts of up to £5000 to each of your children:wedding gifts of £2500 to each grandchild, and wedding gifts of £1000 to anyone else:other gifts of up to £3000 a year :gifts of up to £250 each to any number of people each year: gifts to charities. The National Trust, national museums, the main political parties and most registered housing associations.Any gifts between husbands and wives are exempt from IHT whether they were made while they were both still living or left to the surviving spouse on the death of the first.Tax will be due eventually when the surviving spouse dies if the value of their estate is more than the combined, currently £650000Death within the seven year periodAccording Potential Exempt Transfers, If gifts are made that affect liability to IHT and the giver dies less than seven years later, a special relief known as taper relief may be available. The relief reduces the amount of tax payable on a gift.So i will draw the graph to show that clearly.Years after gift IHT payable0-3years 40%3-4yaers 32%4-5years 24%5-6years 16%6-7years 8%7years later exemption2.9 Justification for selectionsIn order to minimizing the inheritance tax, the Collin is must do several method to avoid the inheritance tax.Transfer the ownership of two housesCollin is should use their elder grandchildren is named Jack and Chuck to buy the two bedroom house.In addition, they also should transfer the ownership of their three bedroom house to their younger grandchildren Jim and BlairGive gift to the whole familyAccording to IHT, the gift send to family members up to £3000, but wedding gifts of up to £5000 to each of your children; wedding gifts of £2500 to each grandchild. So Collin should give £5000 to each of their children and give £2500 to each grandchild. To conclusion, the Collin is give £20000(£5000×2+£2500×4=£20000）Sent goldIn the 2.3, I have given suggestion the Collin is can buy gold to avoid the inheritance tax and in 2.6 the balance sheet I recommend the Collin is buy gold £30000 each year since 2012~2014, Send this gold this gold to their children and their grandchildren without tax.3 Evaluation3.1 Criteria for evaluationNow, the project's conclusion, we will provide the most comprehensive report. Should check the factors, as follows:Living standards and improve the quality of life, in order to create a good financial management to meet customer demand, I do Collins financial management, financial reporting. This management can guarantee the high quality of life, this strategy can get the family wealth maximization.Customer needs and requirements is correctly identified, advanced through the interviews with clients the preparation stage of the financial plan,I suggest that Collins may cancel the cheque account, capital, revenue bonds and bond premium bond. They want to buy a house, I suggest that they sell the house,Then buy second houses, to match the needs of relevant exemption of inheritance tax, second house to buy their granddaughter's name. If they do this, they will not have any loan.Life insurance senior people like Collins is very urgent and necessary to.The comparison of the policy, the insurance cover the growing health care costs due to common diseases and disorders, to ensure a one-time compensation to compensate for the loss of the family.Understanding of the couple is cautious investors through questionnaires,By sorting out the most reputable insurance providers, enabling comparison of the policy, the insurance cover thegrowing health care costs due to common diseases and disorders, to ensure a one-time compensation to compensate for the loss of the family.I plan to avoid all the risk, they also don't want to get any risk, I this plan can make no money to spend there won't be any special circumstances Collins. I this plan is can evade any risk plan 3.2 Changes made during project compared to original cation plan In order to make the plan is better, I did some optimization scheme.Buying or selling a homeIn the beginning of my plan, I'd like to suggest a house to buy mortgages. Collins house, but Collins is more than 70 years old, so it's best to let they don't have any loans, so if they sell a house, with the money earned bought the house can be a good way to help they don't have any loans. And then they can to nursing homes. When they buy a house should use the names of the children, it can avoid the estate tax-which they children a gift.Adjust customer combinationCollins have a checking account, capital bonds, debentures, bonds and 10% i asa treasury shares 2014, to adjust interest rates according to my portfolio Collins. I decided to check accounts and bond premium. Checking account and the bond interest rate of 0%, it has no profit Collins. But in the end I found through my capital bonds and bonds is of no use Collins. This is a better use of money to invest in other high interest rate, and some combination does not fit my two-year financial plan. So I decided to reduce the fourth results.Real estate 310,000 10,000As can be seen by comparing, asset decrease in total, this is because the Corinth financial plans don't earn much money, the purpose is to avoid the Corinth financial planning inheritance, so most assets into gold, charity, investment and insurance，We have reason to believe, they follow my plan to let them get their desired effectIn short, this is a feasible and effective financial plan,Sincerely hope Mr and Mrs Collins achieve the financial goals in future.4. ConclusionsFinancial plan design is a two-year plan before I carried out a series of studies, observational studies, and retrieve information from the Internet, looking for information books, surveys, and some of the strategic report on the financial analysis and risk analysis. Timescalse also report on the mission planning of this project. In the case of this report examines the factors of development, clear Collins needs for the needs of customers continue to report and planning. Understand their requirements, I have done a comprehensive analysis of background information on the couple and their family members and the collection of relevant data. Later, I came up with a complete blueprint for complex financial plan, after a week to consider the plan proposed the name of the customer to buy a house, their daughter, rather than buy their own homes so as not to inherit the house. Directional contour generation, focused on providing financial products. There is no doubt, I chose the most famous parts of the world's financial institutions such as Royal Bank of Scotland, HBOS, legal and general and sincere. , The choice of financial products, the benefit-needs analysis, ratio analysis and financial analysis of the specific numbers are involved. Later, I did a lot reference to genetic information and related tax provisions of exemption followed to improve the core strategy to address the inheritance tax. Finally, I suggest that Collins will continue to drink we keep in touch, according to the changing environment to constantly adjust the financial plan.Encountered in a timely manner to address and adjust.。
HND大综合
1.Planning—Action Plan1.1 Likely resources to be usedI am a bank's investment manager. Our target customers are David and his wife Martha Collins. This is the first phase of the report, including strategy, the main resources and the timing of the project. In this report I will use some resources are as follows : the main research: I will use surveys and observational studies, to David and Martha plan to close the lowest risk profit maximum programme. Secondary research: I will search for online information search, information books, buy a newspaper, the questionnaire survey way, I will also use ( questionnaire in the appendix), then I realized that any customer is old people who are over the age of 70to obtion low risk financial plan. Also researchers to generate a financial plan from 2011 to2013. I have a group, we will have a discussion group. This information can understand the new rate, new product information, some banks, I can with my group to provide the best customer project.1.2 Strategy for carrying out reportProduct life cycle is a marketing study, which can help customers know, they can get the maximum profit investment. In the first instance, I will consult by telephone to understand the idea of the David`s and Martha`s in mind and make a household survey. So that they may be more understanding of the financial construction order to understand their needs. On the one hand, according to their family is saving, pensions and any other expenditure.I will make a list of funds, then analyze and identify the financial risks and other kind of risk like this investment was failed and so on.Different portfolio based on different stages of lifetime, customers can choose according to their own situation of different products. Group discussion, there are many staff to customer service and we can discuss the best solution for customers1.3 How the project will be managedI spend 4 months to complete this report and make 3 year plan for them,In this project divided into three parts,planning,developing and evolution.In the plan I will introduce some basic information, such as the resources and strategies, I will use my report, structure, time for my report, I how to arrange a time to finish my report, and help resources. I will introduce some of the key factors in the situation, summary customer financial demand include deposit, loan demand, protection needs. Suggestions for improvement, potential suppliers, I will list relevant products and services, and benefit-need analysis, comparison between suppliers, for tax position, I'll give you a reason to choose. In the evaluation, an evaluation standard, in this part there is astandard to evaluate the financial planning can help clients to understand my planning more clearly, the changes made to the project than the original plan, and the effectiveness of the process. The last is the conclusion, in which I can ensure that the final financial plan for my clients.1.4 Timescales for projectStages Weeks Data Arrangement Activity content1 planning W1-4 2.22-2.28 Introduction to the case study andunderstand the structure of the report2.28-3.7 Group discussion and carry outinvestigation for collecting sources,designing schedule of the report3.7-3.21 The completion of planned actions2 developing W5-10 3.21-3.28 For example, a financial plan, identifykey factors in the situation, know thefinancial needs of customers3.28-4.4 Have the group discussion,suggestions for improvements, andanalysis likely providers4.4-4.11 Relevant products and services,benefit-needs analysis4.11-4.18 Comparison between suppliers, fortax position, the completion of thesecond stage assessment4.18-4.25 Justification for selections andcompletion of 2nd stage andassessment4.25-5.2 Recompose my report3 Evaluatio n and conclusions W11-14 5.2-5.9 Teacher explanation of the final part,criteria for evaluation5.9-5.16 Changes made during projectcompared to original action plan,effectiveness of process, and ask theteacher the questions about the report5.16-5.30 Finish an evaluation report1.5 Sources of informationI got the information from newspapers and the Internet or other place, it can help me get good news, interested, I can better enable customers to maximize the benefits, according to all their money, I could help them do the low risk investment, I will know something about the phone, their family members and all of the assets and make a questionnaire survey, understand their needs, group discussion is a kind of can get some useful information from the different things, can you help me to put the best project, my client, these important information can be provided to couple to solve the problem quickly.questionnaire survey1: your general in what time period to the bank for business:A Monday to five9:00-12:00-14:00-16:30 17.69%B Monday to five12:00-14:00 0%C weekend or holiday 1076.92%D Other2: you choose which way for banking business?A go to the bank counter service 323.08%B in the Internet bank business0%C use ATM automatic teller machine for business3: Do you think the bank queue is serious?A yesB no4. How much returns of investment do you expect to obtain through the financial plan designed by us?A. ≤3%B. 3%-6%C. ＞6%2 .Developing—case study report2.1 Key factors in case study1. Fundament situation of clientsDavid Collins, who is 73 years old, he is a retired former Army Colonel.Martha Collins, Davids' wife,aged 70 and also retired, was formerly a legal secretary. Both of them keep in very good health and enjoy a good standard os living form their generous pensions.The couples have two grown-up children Jonathan and Jeanette.Jonathan is 51 years old and has never married. Jeanette is 48 years old having four children aged between 24and 14 years of age2. Family statement of income and expenditureThe couples have a three-bedroom townhouse in a fairly popular part of town,which has been estimated at a value of 310,000 and which their own outright.They have 4,500 cheque account and 12.00 instant access savings accounts in Cadogan Bank.having 40,00 national saving capital bonds, 2500 national saving income bonds and 10,000 premium bonds. They couples also have treasury stoke which has had at a value 15,00 until 20143. Financial situationDavid retired former Army Colonel,his annual income is 70,000. Martha Collin retired form a legal secretary, her annual income is 50,00.Collin's annual income os 120.000.I will make a detail diagram.Annual income after tax Value PercentageDavid ￡70,000 58%Martha ￡50.000 41%Total income ￡120000 100%4. David and Martha Collins family tree5,According to the case ,taking some assumption(1)Inflation rateAccording to this year report,the highest inflation rate is 4.4% in February,but the governmentControls great,so the rate fall to 1.9% just under the expectation. From my perspective, the inflation rate will be 3%during 2011 to 2013(2)Emerge cash available:Considering the Collin`s both senior,so they must keep some emerge cash to resolve accident.I argue they could keep ￡40,000.（3）Life expenses:I maintain the couple life expenses are ￡3600.（4）Bills：Collin is bill are ￡4800.(5)Traveling expenses:They traveling expenses are ￡3000(6)Some other expenditure is ￡1000.(7)The rent of three-bedroom townhouse in a fairly popular part of town is ￡12000(8)The two bedroom house value is ￡250000.2.2 Likely financial needs of the clients2.2.1 SavingsThe collins expect to have an additional 40，000 in cash available for savings, after purchase and all associated legal and removal costs, David and Martha both are senior so their financial portfolio are low risk and their have been careful savers throughout their lifetime and have tended to investments that carry any risk.2.2.2 Mortgage needsAccording to they relies that, as they are not getting any younger so they planning to move to sheltered accommodation and have identified a two-bedroom property nearer to Jeanette's home.2.2.3 Protection needsDavid and Martha are determined that their grandchildren should benefit form their estate when the couple die and are concerned that should they ever need to go into a nursing home, that their financial assets will be drained to pay for the costs. They do not wish to place the burden of paying for care on their children..they are aware that the value of their estate is such that this may lead to the payment of inheritance tax. They are anxious to avoid this.2.3 Suggestions for improvementAccording to David and Martha is financial needs ,I make this suggestions for three parts savings,Mortgage and their protection needs.Saving:For helping the couple know more about the risk of saving and the profit of saving,I make a list and a diagram.The types of savin Risk Profit interest rateChequy Account low low 0%Saving Account low low 0.50%Capital bonds middle middle 2.50%Income bonds middle middle 1.75%Treasury stock hight hight 10%Premium bonds low low 0.90%I will do some adjustment in their savings portfolio.I insist the couple leave ￡4000 in their ChequeAccount because the couple need that in cash available. Leaving ￡5000 in their Instant Access Saving Account because the couple could handle some emerge things and withdraw all cash ￡10000 in Premium Bonds.Transferring all this cash in Capital Bonds and Treasury Stoke.The adjustment saving portfolio is:￡4000Cadogan Bank Cheque Account￡5000Cadogan Bank Instant Access Savings Account￡60000National Savings Capital Bounds￡5000National Savings Income Bounds￡32500Treasury Stock 2014Total:￡106500Mortgage:Strategy 1:The couples buy the second house which is sheltered accommodation and have identified a two bedroom property nearer to Jeanette is home and their do not move to nursing house.Strategy 2:The couples will nit buy the second house, they just move to the nursing house. Strategy 3:The couples buy the second house and the couple pay full, because they are not young to burden such loan, they do not suit have liability in this age .living in the house two years because they near to Jeanette is home and Jeannette don not married, so she can could company the couples and gives them best care and rent the first house. Nevertheless Jeannette is not younger, so I maintain that the couples go to the nursing house in the third years, that can save two years capital spending in nursing house, So the couple will not worry that their financial will be drained to pay for the costs.Strategy 4The couple mortgage their three bedroom house and loan 70% of the value of the three bedroom house. Their three bedroom value is ￡310000,so they can loan ￡210000 to the bank and the two bedroom house is ￡250000 the couple could pay 30% of the second house which is ￡80000 and I recognize the repayment will be handle by their grandchildren who are graduated. That means Jack and Church and I recommend that couple transfer the three bedroom to their another 2 children.ProtectionI make three strategies in Mortgage,if the couples choose 1 or 3 ,I insist their can register grandchildren is name to buy the second house. That can avoid the transfer fee and the high inheritance tax and they could buy some education insurance for their grandchildren. The couple also could buy some gold to deal with the inflation and sent them to their grandchildren.Other suggestions:The couples could open the e-bank in order to help them dealing with the varices bills,because they are old ,they don have physical power to handle such things.They could open a card which can transfer the other countries currency because the couple like travel.2.4 Likely providersBanks:BarclaysBarclays PLC is a global financial services company headquartered un London,United Kingdom.As of 2010,it is the world is 10th-largest banking and financial service group and 21st-largest company according to a composite measure by Forbes magazine.One of the four private banks in the United Kingdom, ranked third, is the world's largest banks. Barclays Capital, Barclays's investment banking department in 2008, the acquisition of old U.S. investment bank Lehman Brothers. The first quarter of 2012, Barclays Capital, M & A, second in Asia. 1896 Barclay, Bevan, Tritton, the Lanza Bull Fremont companies, banks merged the shares of Barclays Bank. After the merger and continue to other banks, the increasing scale of its current name in 1917. Operate a wide range of financial services, including clearing, investment, insurance, leasing, export credits, property management. London six clearing banks to issue credit cards in the UK in 1966. Has a number of subsidiaries of Barclays International Bank, Barclays Finance Corporation in the international community has a number of branches, and investing in Spain, Bermuda, Belgium, the big banks, the formation of a large international consortium of banks. In the domestic shipbuilding, shipping, machine manufacturing industry and the Press Trust of close ties.Company business: Barclays Bank through bank branches, ATMs, phone, Internet to UK personal customers and small business sector in Africa, some of the Group offers a range of services. In addition, Barclays Bank but also for the world of rich people to provide property management services, especially investment, asset evaluation, long-term financial planning business.Company size: Barclays Bank to Britain as the center, to provide financial services, is the main business of banking and investment. If the asset is measured, Barclays Bank is the UK's largest financial bank. The Barclays Bank in many other countries with branches, is a huge multinational bank. Barclays Bank PLC has a history of over 300 years, the business scope of coverage to more than 60 countries, including all of the financial center. By 2000June, Barclays Bank employees around the world about 70300, one of the 52300working in the uk.HSBC:Headquartered in London,HSBC is one of the largest banking and financial service organisations in the word.HSBC is international network comprises around 7500 offices in 87 countries and territories in Europe,the Asia-Pacific region,the Americas the Middle East and Africa.With listings on the London. HongKong,New York,Paris and Bermuda stock exchanges, shares in HSBC holdings plc are held by over 221.000 shareholders in 127 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts.HCBC provides a comprehensive range of financial service to around 95 million customers through four customer groups and global businesses:Personal Financial service;Commercial Banking: Global Banking and Markets;Global Private Banking.City BankMidland BankMidland Bank Plc was one of the Big four banking groups in the United Kingdom for most of the 20th century. It is now part of HSBC The bank was founded as the Birmingham and Midland Bank in Union Street, Birmingham England in August 1836. It expanded in the Midlands absorbing many local banks, and merged with the Central Bank of London Ltd in 1891, becoming the London City and Midland Bank. After a period of nationwide expansion, including the acquisition of many smaller banks, the name Midland Bank Ltd was adopted in 1923. By 1934 it was the largest deposit bank in the world. It was listed on the London Stock Exchange and was once a constituent of the FTSE 100 Index but in 1992 it was taken over by HSBC Holdings plc.2.5 Relevant products and servicesI will give the details of the financial products as following. Two banks,a nursing home anda insurance company.Barclays:Foreign Currency Account·Bank in the currency of your choice·Make and receive foreign payments with case·Reduce your exchange rate risk·You need a Barclatys sterling account before you can open a Foreign CurrencyWhat can get·An account that helps you reduce the risk of fluctuating exchange rates·Choose from a wide range of foreign currencies·Cheque book·Regular statements to help you keep track of your moneyIn general, there are three types of property insurance coverage, LITE-ON and medical care. They have a wide range of coverage and effective transfer of risk to customers. It is particularly worth mentioning is, how to guarantee the life insurance, it is the only policy, make the elderly over 70 years old in Corinth insurance, although the insured amount shall not reached average level. In addition to ensure life insurance, private health insurance is what is believed to be necessary, because it can greatly reduce customer costs, medical care in light of its increasing disease risk.2.6 Benefit-needs analysisIn this sector,I will give a lot of data and chat to analysis Collin`s benefit-needs.The chat of Collin is portfolio before adjustmentThe cha t of Coll in is port foli o afte r adj ust me nt: The Savin Portfolios Amount Interest rate Revenue Percentage Cadogan BankCheque Account￡4.500 0% 0 4.20Cadogan BankInstant AccessSavings Account￡12.000.50% 60 11.20National SavingsCapital Bonds￡40.002.50% 1000 37.50National SavingsIncome Bonds￡25.001.75% 437.5 23.40Treasury Stock ￡15.0010% 1500 14Premium Bonds ￡10.000.90% 90 9.30Total ￡106.500·····3087.5 100Savin Portfolios Amount Interest rate Revenue Percentage Cadogan BankCheque Account￡4.000 0% 0 3.70Cadogan BankInstant AccessSavings Account￡5.000 0.50% 25 4.60National SavingsCapital Bonds￡60.002.50% 1500 56.30National SavingsIncome Bonds￡5.000 1.75% 87.5 4.60Treasury Stock ￡32.5010% 3250 30.50 Premium Bonds ￡0 0.90% 0 0Total ￡106.500·····4862.5 100annual income and annual expenditure I mentioned in 2.1,so the saving rate is (120.000-96.000)/120.00=0.2 so the family could put 20% income in investment,but the family want buy second house, I do not suggest to increase the capital in some new investment plan.Following table is the assets and ability:Year 2011 Aprilbeforeadjustment 2012 Aprilafteradjustment2013 April 2014 AprilTotal assets 419587.5 141362.5 171362.50 201362.50Cash andcash equality1650000 900000 9000 9000Prepotentassets310000 0 0 0Financial 93087.50 102362.50 102362.50 102362.50Gold 0 30000 60000 90000Liabilities 0 0 0 0Net assets 419587.50Because the couple decided that the loan will repay by 2 of them grandchildren, so the couple have no need to repay the loans. Their ability still zero.I will draw the Balance sheet of Collins:Year 2011.4ba 2012af 2013af 2014afInitial fundIncome 136862.50 136862.50 136862.50Pension 120000 120000 120000 120000Received 3087.5 4862.5 4862.5 4862.5Rent 12000 12000 12000 12000Expenses 12400 134400 84400 133216Livingexpenditure3600 3600 3600 3600Bill 4800 4800 4800 4800Travelexpense3000 3000 3000 3000Otherexpense1000 1000 1000 1000Primarypayment forsecond house80000Goldpurchase30000 30000 30000Nursing home 18816Educationinsurancepremium12000 12000 12000Cash flow atthe end of2462.50 82462.50 63646.50yearThe chat shown that the detail information about income and expense of Collin is during the three years plan, the finial assets reach at ￡181250.Annual surplus ratio:annual surplus/annual income ,so the ratio are 90.8%(2011),1.7%(2012),38.3%(2013),2.6%(2014)respectively.2.7 Comparison among providersFirstly, I will compare the mortgage loan repayment in different banksBank name type Rate Max LTV% Monthly repayment Repayment periodBarclays 2year fixed 2.98% 70% ￡941.11 20years HSBC 2year fixed 3.89% 70%￡1.020 20years Now I will focus on the format above to do the SWOT analysis to 2 banks respectively SWOT graphStrength:the repayment is lower Opportunities:max LTV%can reach 70%Weak: web information is less Threaten:the form is simpleHSBCStrength:web information is adequate Opportunities:the form is detail,max LTV% reach 70%Weak: the repayment is higher Threaten:the rate also higherFor the collin is family, they must more concentrate on monthly repayment, Barclays monthly repayment is ￡941.11 which is lower than that HSBC bank.So I recommend choose Barclay to get the loan.2.8 Effect on tax positionAccording to HM treasury, inheritance Tax is usually paid on an estate when somebody dies. It is also sometimes payable on trusts or gifts made during someone is lifetime. Most estates do not have to pay Inheritance Tax because they are valued at less than the threshold.To illustration, the Collins possess assets is amount ￡395,425. According to the formula, the tax payable is 28.570That is huge money, so we should get some ideas to avoid that. Some cash gifts are exempt from tax regardless of the seven year rule. They include:wedding gifts of up to ￡5000 to each of your children:wedding gifts of ￡2500 to each grandchild, and wedding gifts of ￡1000 to anyone else:other gifts of up to ￡3000 a year :gifts of up to ￡250 each to any number of people each year: gifts to charities. The National Trust, national museums, the main political parties and most registered housing associations.Any gifts between husbands and wives are exempt from IHT whether they were made while they were both still living or left to the surviving spouse on the death of the first.Tax will be due eventually when the surviving spouse dies if the value of their estate is more than the combined, currently ￡650000Death within the seven year periodAccording Potential Exempt Transfers, If gifts are made that affect liability to IHT and the giver dies less than seven years later, a special relief known as taper relief may be available. The relief reduces the amount of tax payable on a gift.So i will draw the graph to show that clearly.Years after gift IHT payable0-3years 40%3-4yaers 32%4-5years 24%5-6years 16%6-7years 8%7years later exemption2.9 Justification for selectionsIn order to minimizing the inheritance tax, the Collin is must do several method to avoid the inheritance tax.Transfer the ownership of two housesCollin is should use their elder grandchildren is named Jack and Chuck to buy the two bedroom house.In addition, they also should transfer the ownership of their three bedroom house to their younger grandchildren Jim and BlairGive gift to the whole familyAccording to IHT, the gift send to family members up to ￡3000, but wedding gifts of up to ￡5000 to each of your children; wedding gifts of ￡2500 to each grandchild. So Collin should give ￡5000 to each of their children and give ￡2500 to each grandchild. To conclusion, the Collin is give ￡20000(￡5000×2+￡2500×4=￡20000）Sent goldIn the 2.3, I have given suggestion the Collin is can buy gold to avoid the inheritance tax and in 2.6 the balance sheet I recommend the Collin is buy gold ￡30000 each year since 2012~2014, Send this gold this gold to their children and their grandchildren without tax.3 Evaluation3.1 Criteria for evaluationNow, the project's conclusion, we will provide the most comprehensive report. Shouldcheck the factors, as follows:Living standards and improve the quality of life, in order to create a good financial management to meet customer demand, I do Collins financial management, financial reporting. This management can guarantee the high quality of life, this strategy can get the family wealth maximization.Customer needs and requirements is correctly identified, advanced through the interviews with clients the preparation stage of the financial plan,I suggest that Collins may cancel the cheque account, capital, revenue bonds and bond premium bond. They want to buy a house, I suggest that they sell the house,Then buy second houses, to match the needs of relevant exemption of inheritance tax, second house to buy their granddaughter's name. If they do this, they will not have any loan.Life insurance senior people like Collins is very urgent and necessary to.The comparison of the policy, the insurance cover the growing health care costs due to common diseases and disorders, to ensure a one-time compensation to compensate for the loss of the family.Understanding of the couple is cautious investors through questionnaires,By sorting out the most reputable insurance providers, enabling comparison of the policy, the insurance cover the growing health care costs due to common diseases and disorders, to ensure a one-time compensation to compensate for the loss of the family.I plan to avoid all the risk, they also don't want to get any risk, I this plan can make no money to spend there won't be any special circumstances Collins. I this plan is can evade any risk plan3.2 Changes made during project compared to original cation planIn order to make the plan is better, I did some optimization scheme.Buying or selling a homeIn the beginning of my plan, I'd like to suggest a house to buy mortgages. Collins house, but Collins is more than 70 years old, so it's best to let they don't have any loans, so if they sell a house, with the money earned bought the house can be a good way to help they don't have any loans. And then they can to nursing homes. When they buy a house should use the names of the children, it can avoid the estate tax-which they children a gift. Adjust customer combinationCollins have a checking account, capital bonds, debentures, bonds and 10% i asa treasury shares 2014, to adjust interest rates according to my portfolio Collins. I decided to check accounts and bond premium. Checking account and the bond interest rate of 0%, it has no profit Collins. But in the end I found through my capital bonds and bonds is of nouse Collins. This is a better use of money to invest in other high interest rate, and some combination does not fit my two-year financial plan. So I decided to reduce the fourth results.Buy some insuranceAt the beginning of the financial plan, I just asked the Corinth buy insurance because they are over 70 years of age, the insurance can not only protect their health can also avoid inheritance. But in the end considering the better to avoid inheritance I also suggested that Collins bought some Child Trust Fund as a gift to their grandchildren, because they have a 14-year-old grandson, the age limit for the Children's Trust Fund, so buy the Children's Trust Fund is always a good way .3.3 Effectiveness of processOur goal is to ensure that the quality of life of Collins will not fall, not loans, establish reasonable financial strategy, achieve 2 years plan. In our basic assumption is the same, if Collins take my2 year follows family assets financial plan:Item 2011.3 2013.3Total assets 299,800 150,800Cash 1,000 4,000106,500 150,800Financialassets (inv.Portfolioprofits)Real estate 310,000 10,000As can be seen by comparing, asset decrease in total, this is because the Corinth financial plans don't earn much money, the purpose is to avoid the Corinth financial planning inheritance, so most assets into gold, charity, investment and insurance，We have reason to believe, they follow my plan to let them get their desired effectIn short, this is a feasible and effective financial plan,Sincerely hope Mr and Mrs Collins achieve the financial goals in future.4. ConclusionsFinancial plan design is a two-year plan before I carried out a series of studies, observational studies, and retrieve information from the Internet, looking for information books, surveys, and some of the strategic report on the financial analysis and risk analysis. Timescalse also report on the mission planning of this project. In the case of this report examines the factors of development, clear Collins needs for the needs of。
HND-大综合1-GU1答案
Section1Question 1:Part AGiven the competitive nature of the mobile telecommunications market analyse the likely advantages and disadvantages to Opal of establishing a partnership agreement with another company.12 Advantages:Firstly, the partnership agreements can provide Opal with technology assistance. It allows Opal for the joint development of new products and the sharing of technology. Secondly, a Chinese partnership not only gives Opal access to local knowledge but also provides an air of acceptability that is important when conducting business in China. Thirdly, local firms’ well-reputation and wealth of experience will also help Opal to ensure that product development and customer service is specifically targeted at meeting the local needs and demands of the local market. Fourthly, companies in partnership can share the costs and reduce the risk.Disadvantages:As for the disadvantages, firstly, the own technology of Opal might be leaked because of the sharing of technology which may result in the loss of Opal’s competitive advantages. Secondly, in a partnership with others, the control power of Opal’s own company might be distributed because of the consideration of other partners’ benefits. Thirdly, firms need to share the profits and there might be conflicts since those companies are profitable organizations.PART BIdentify and justify possible options the senior management may have which will enable Opal to maintain its current levels of success and profitability. 8Firstly, since Chinese market has enormous potential, Opal needs continue to invest in Chinese market to gain more market shares for its expansion.Secondly, Opal can sign the partnership agreements with more companies, to gain more comprehensive market information and share the technology and develop new products.Thirdly, in order to maintain the characteristics and good reputation, Opal needs to keep the strong stance in relation to the environment, usemore green and environmental materials to produce ‘environmentally friendly’ products and services, and keep offering a comprehensive mobile phone recycling scheme.Fourthly, it is necessary to deepen the agreement with Huawei, since Huawei is a long established and well-respected player in the Chinese telecoms market. By doing so, Opal can achieve the further expansion.Question 2PART AAssess the strengths and weaknesses of Opal as they seek to expanding in the coming years. 12StrengthsFirstly, the further deregulation of the telecommunications markets enabled Opal to capitalize on a number of opportunities.Secondly, Opal has its core markets, and the recent ‘opening-up’ of the Chinese market is currently providing Opal with opportunities for further expansion.Thirdly, the mobile devices division has allowed Opal to sell their phonesto competing networks allowing access to a much larger market. Fourthly, as their characteristic, Opal has adopted a strong stance in relation to the environment, and they were one of the first phone manufacturers in the world to offer a comprehensive mobile phone recycling scheme and offers environmentally friendly products and services.WeaknessesFirstly, the first hand-held phones were high priced because of the high research and development costs and the need for highly specialized production facilities. And this may cause the needs of a large amount of investment capital and the decrease in sales.Secondly, Opal is a medium sized producer of handsets, which means it owns limited produce resources and investment capital resources. It may not be able to meet the needs of cooperation with other companies. Thirdly, the regulatory complexities of operating within the Chinese market may hinder the development and expansion of Opal.Lastly, the regulatory complexities of operating within the Chinese market and the fierce competition may hinder the expansion of Opal and increase a certain level of risk.PART BChoose two Key values highlighted in Appendix 3 and for each, explain how it has impacted upon the company’s activities. 8 Firstly, the customer deserves service excellence.Opal is a customer- focused organization. Enterprise's core value is to focus on customer service and its quality. By doing so, the customer satisfaction and loyalty can be established and then the growth of sales and profits can be achieved.According to the case, in order to enhance the quality and satisfaction of customer services, the Opal has established the Service Development Section and Customer Care Department. With the rapid development of technology, the Service Development Section is tasked to enhance the customer experience of the mobile and web-based services. And the Customer Care section is tasked to ensure that customer expectations are consistently met. Both of them are aim to provide customers with excellent services.Secondly, we accept that while we are driven by technology we will always aspire to drive technology.The development of technology can provide Opal with higher tech-competitiveness, and help it to develop new products and expand to larger market. As for Opal, they continue invest in other innovative products and market research, and has been very successful in identifying market trends and then using the latest technological developments to satisfy customer needs. And, there is a Special projects section in Opal which requires significant investment and provides the leading-edge technology required for mobile and others.Section 2Question1PART AEvaluate possible sources of finance that Gold could access as it seeks to expand its business operations.Firstly, issuing shares are a financing way that Opal can access. It can meet a part of the Opal’s capital needs during its expansion, even though the amount of share capital issued will be limited to the authorized share capital amount.Secondly, issuing debentures are a useful way too. Debentures are loans made to companies that carry a fixed rate of interest. However, the debenture holders need to repay the principles on time and they do not participate in the running of the company like shareholders do.Thirdly, even though both issuing shares and dividends are appropriate for Opal, there still some differences between them. The shareholders have the control right of the company, but the dividend holders do not. And, the dividends holders need to repay the principle on time, while it won’t be necessary for shareholders. Lastly, the shareholders can get benefits from the dividends while the debenture holders can get them from the interests.PART B找到一类可以同时满足Opal 公司股东和Opal 在中国市场合作伙伴用来检验企业效率的财务数据信息. 请解释这类数据是如何满足这些利益相关者要求的。
HND大二金融,大综合第一部分
Communication: Analyzing and Presenting Complex Communication DE3N 34 Outcome 1 Candidate Name: Fan Juntian Grade and Class: F2 Table of ContentsI. Planning--Action Plan.............................................................................. 11.1 Likely resources to be used ........................................................................ 11.2 Strategy for carrying out report 1.3 How the project will be managed ...................................................................... 1.4 Timescales for project ........................................................................................ ....................................................................................... 1.5 Sources of information Ⅱ. Developing—Case Study Report2.1 Key factors in case study ................................................................................... 2.2 Likely financial needs of the clients .................................................................. 2.2.1 Saving ......................................................................................................... 2.2.2 Mortgage needs ........................................................................................... 2.2.3 Protection needs .......................................................................................... ........................................................................... 2.3 Suggestions for improvements 2.4 Likely providers and Relevant product and services ......................................... 2.5 Benefit-needs analysis ....................................................................................... 2.6 Comparison among providers ............................................................................ 2.7 Effect on tax position ......................................................................................... .................................................................................. 2.8 Justification for selections Ⅲ. Evolution3.1 Criteria for Evaluation ....................................................................................... 3.2 Change made during project compared to original action plan ......................... 3.3 Effectiveness of process ..................................................................................... / http: /// / / / / /1.3 How the project will be managed Ⅰ. Individual Saving Accounts(ISA) Bank/Company Product National Savings and Investments 1:Cash ISA 2: Easy Access Savings Account 3: Premium Bonds 4: Guaranteed Income Bonds The Royal Bank of Scotland instant access ISA Standard Chartered Bank e-ISA Clydesdale Bank fixed rate bonus ISA HSBC Cash ISA Ⅱ. MortgageBank/Company ProductLloyds TSB Group 1.Fixed-Rate Mortgages 2. Buy-to-Let Mortgages Clydesdale Bank Fee free mortgages Standard Chartered Bank Personal pension Mortgages National Savings and Investments ISA Mortgage The Royal Bank of Scotland Fixed-Rate Mortgages Health Problems insurance Bank/Company Product Association of British insurers 1:Health and Protection Insurance 2:Holiday Insurance Legal & General 1:Health and Protection Insurance 2:Holiday Insurance Prudential 1:Health and Protection Insurance 2:Holiday Insurance Winston insurance Health and Protection Insurance Old Mutual Children's Health Insurance Ⅳ. Property damage insurance Bank/Company ProductOld Mutual Household Insurance Lloyds TSB Car Insurance Association of British insurers 1:Flooding and Insurance 2: Household Insurance 3:home contents insuranceLegal & General 1:Flooding and Insurance 2: Household Insurance 3:home contents insurancePrudential 1:Flooding and Insurance 2: Household Insurance 3:home contents insurance 4: Ideal life property insurance 5: Investment and wealth property insurance 6: Endless interest property insuranceDeath insurance Bank/Company Product Association of British insurers 1:Life Insurance 2:Endowent Insurance Legal & General 1:Life Insurance 2:Endowent Insurance PRUDENTIAL 1:Life Insurance 2:Endowent Insurance Lloyds TSB Life & Critical Illness Insurance 1.4 Timescales for project Time The things I do 4.27-5,4 I carefully read the information on Flynn, including his family, and learned that his company, his loan in the short term to meet him. I have a detailed understanding of the economic situation.5.4-5.11 Through the use of the Internet to find many excellent insurance companies and banks in the United Kingdom to learn about the best products of these institutions, I believe this information will make pressure on Alexander satisfaction.5.11-5.18 I started to do some substantial planning, I understand that Flynn for more information from their own savings, if there is no choice year must pay taxes a lot, so I will of tax avoidance products, a give some reasonable suggestions.5.18-5.25 Through case studies, the results of the survey according to the first two weeks, began specifically Flynn has his family to develop programs at the same time began to think of way to convince.5.25-6.2 Learn more about the loans measured by Mr. Flynn, of £ 450,000 is not a small sum, but at the same time, Flynn r not only to continue their investment, but also do some of the things they want. And develop a range of solutions based on detailed economic situation in Flynn.6.2-6.9 Study found that the insurance required by the Flynn and his family including his three children or adults need some insurance to protect they belong to minors, the value of the house of Mr. Alexander in 125 pounds very expensive house, so I recommend his family's home insurance.6.9-6.16 According to Mr. Flynn, he is the first two years of unemployment, I spent a long time derived Flynn is the economic pillar of the entire family, he needs a stable flow of funds, income protection insurance is worth I recommended to him6.16-6.22 I found Mr. Flynn can do better place, savings, insurance, mortgage, I will elect some of his savings, insurance, mortgage, good banks and insurance companies, they are very good financial products, I decided to before Flynn choose to buy or not buy.1.5 Sources of information Primary data or raw data refers to the enterprises for the first time in person to collect and scripted processing of the data, raw data is usually collected by the researchers for the immediate problem for this particular purpose. Primary data can answer the secondary data can not answer specific questions, and more timely and credible at the same time the company's own collection, belonging to the company, so easy to confidentiality The secondary data is for certain purposes, rather than the issues at hand collected data. Including the information provided by commercial and government agencies, marketing research firms and computer databases. Secondary data can provide economic, quick background information. The secondary data will help to quickly solve the problems faced by researchers, can save time and reduce costs at the same time help to regulate the expression in the form specified in the survey methodology, and other data needed to solve the problem, can also help researchers learn how to go close to the object of research to understand the research object position in the market which, as a basis for comparison with other data。
HND大综合2stage1
HND大综合2stage1Stage 1: PlanningTitle of the project:Hennes & Mauritz AB, known as H&M, and discuss its marketing policies and strategies in their country between the operational advantages and disadvantages.1 Objectives of the projectThe project aims to explore and explain the company Hennes & Mauritz AB, an investment company in product marketing and solutions, including the use of the Higher National Diploma courses to learn to discuss and explain. These goals include: the company's competitiveness in international markets, corporate training and development of the theory of selection, labor relations and human resource management strategies. Also shows that the company's partners and employees of the mental state and degree of employment security.2l Justification for the choice of business or businesses involvedSelect H & M's reasons for the company, because my uncle in the company's product marketing department work, so I can get first-hand investigation, help me to understand the company's information, so I have more in-depth understanding of the information in the company's product marketing I know some of the advanced methods, but let me see the inadequacies in the marketing and promotion of some products. So, I think this company is very suitable for my report, a more comprehensive first-hand information is more conducive to my written report. Addition, Mr. Wang, the company's human resources department, I was also very helpful.3l Statement of the issue to be investigated.The theories of screening and selection criteria, training and development, interna-tional compensation packages, labor relation and current HRM strategiesThese four points can investigate the company's human resources strategy and management more clearly, in the company's top management has made effective management tools, including the HR manager can ask about how to improve the utilization of human resources and the introduction of so. As organization battle to get the most from their existing people in an environment characterized by skill shortages, the role of HR practices in fostering employee en-gagement and commitment is paramount. As this we can make some of the company's environmental and human resources management relationship, and how staff work hard to promote the method. We will also research firm Strategic human resource management (SHRM) is at a critical point, poised between becoming a strategic business partner and receding into the background as a non-executive function. If SHRM is to tip the balance towards being perceived as a business partner, it appears that a consolidated approach towards identifying those HR practices that foster and support attachment to the organization is the key4l Reasons for the choice of issue which must be directly related to a topic or topics covered as part of the Group Award Survey of more than so many points, we will use the knowledge we have learned a lot, such as strategic human resource management, which includes a lot of us learned to use, for example(1) In the management concept that human resources are all resources the most valuable resource, through the appreciation of the development of human resources can add value, to givecompanies a huge profit.(2) In the management of content, focused on the development of human potential, to stimulate people's vitality, so that employees can be a positive, proactive, creative work.(3) In the management of the form, emphasizing the overall development, according to business goals and personal circumstances, for good career design, continuous training, and constantly adjust the position to fully develop their talents.(4) Management, to take human-oriented management, to consider people's feelings, self-esteem and value.(5) In the management of the means, human resources, information systems, etc. The results generated by the computer automatically, provide timely and accurate basis for decision making.(6) In the management level, human resource management in the decision-making, directly involved in the planning and decision-making.5l Explanation of the sources of information to be used and the reasons for their selectionAll information from my uncle's hand, to obtain first-hand information, because I feel that the information does not provide online value, and some important information is not online.Manager in this company, I also conducted a two-month time practice, I interviewed Mr. Wang of the Human Resources Department, has also been a lot of useful first-hand information on the company's staff questionnaire, geta lot of useful first-hand informationAt the same time I was the top Internet search company to take on issues related to product sales, including images, documents, forms, etc., there are some companies describedabove are also found on the InternetStaffs are the indispensable part of an organization. They can impel the devel-opment of the company and create value for the company. They can help the company to achieve the goal successfully. The performance of staff is also the reaction of cul-ture of the company. To get the information from staffs can be real reaction of the performance, and the information can be more fair and reality.6l Explanation of methods of investigation to be used and reasons for their se-lectionI have to do an investigation on the company's product sales, I will let the employees fill out some questionnaires, I will interview the sales department manager, call into question some of the problems related to product sales.This research tool consisting of a series of questions and other prompts for the purpose of gathering information from respondents. Use some other type of questionnaire surveys, they are cheap, does not require much effort from the questioner's verbal or telephone surveys, and often have standardized answers, which makes it simple to compile data. Survey department will achieve the company's managers can help to understand the company's situation.7l Statement of criteria to be used to assess implications of the issue and reasons for their selectionThe criteria to be used to assess implications should be the policy of human resource management theory, like Strategic human resource management policies SWOT, it can help companies to attract talent to human resource management to maximize efficiency, These can help to better know the operation of the company, and assess the company. For the objective of thecompany, human resources advantages and disadvantages. The criteria to be used can assess the company.As the company has subsidiaries, so you can save a lot of staff training costs, through the analysis of the company's strengths and weaknesses of human resources policies, SWOT company's role in a certain time can be a lot of information.Throughout the SWOT implementation of human resources position is the most important strategy of the company's success to get to meet a variety of elements, such as R & D capabilities, production capacity, financial management capacity, ultimately to the SWOT.In human resources management policy, the Company's employees is reflected in the impact of business objectives, wages, working conditions, job promotion, employment protection and the task itself. Employees affected in the above decision-making process mainly as follows: the extent to which employees engage and bear what responsibility; through what mechanisms involved; how to reflect their influence. But also reward system to reward employees involved in decision-making should involve all levels, should business strategy, management philosophy, employees are required to structure and human resource policies consistent.Finally have a working system in a company at all levels, managers have toface manpower planning, personnel information, technical personnel actions and personnel tasks. How to make the line departments, the general manager, human resources management in close cooperation, and efficient human resources management system.8 Timetable of InvestigationThe duration of this report is 6 weeks, and it between Feb.24, 2011 and Apr. 5, 2011. More specific, the activities every weeks are as followed.Time ActivitiesWeek 1 (Feb.24th to Mar. 2nd, 2011)setting up a theme and draw a brief report on plans and discuss them with my mentor Week 2 (Mar 3rd to Mar. 9th, 2012)to collect information and H & M and an interview with the company's human resources department's management staffWeek 3 (Mar 10th to Mar 16th, 2011)to do the group discussion, and team members about in the conference room to discuss H & M's Product MarketingWeek 4（Mar 17th to 23th，2011）access to marketing information about H & M's, and with mentors to discuss results Week 5（Mar 24th toFinish the main contents and communicate with tutorMar.30th,2011）Draw conclusion and justify Week 6(Mar 31th toApril 5th,2011 )。
(完整word版)HND大综合2planning详解
ContentsPersonal assessment of skills (2)Title of the project (2)Objectives of the project (3)Statement of issues of investigate (3)Reasons for the choice of issue (5)Justification for the choice of business (6)Primary and secondary sources of information (6)Primary information (6)Secondary information (7)Methods and Justification (8)Plan (9)Negotiated dates for the planning， development and evaluation of the project and timescales for conducting the investigation 。
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7Identification of the resources including time needed to carry out the investigation (9)Personal assessment of skillsI have a lot of advantage, such as honest and optimism。
Due to good group consciousness, I can make contribute to cooperation and cohesion so that achieve organization’s goal as early as possible. When teammates speak， I am able to listen to their communication。
HND大综合2planning详解
ContentsPersonal assessment of skills (1)Title of the project (2)Objectives of the project (2)Statement of issues of investigate (3)Reasons for the choice of issue (4)Justification for the choice of business (5)Primary and secondary sources of information (5)Primary information (5)Secondary information (6)Methods and Justification (6)Plan (7)Negotiated dates for the planning, development and evaluation of the project and timescales for conducting the investigation (7)Identification of the resources including time needed to carry out the investigation (7)Personal assessment of skillsI have a lot of advantage, such as honest and optimism. Due to good group consciousness, I can make contribute to cooperation and cohesion so that achieve organization’s goal as early as possible. When teammates speak, I am able to lis ten totheir communication. If having mistake or different opinion, I will talk about with them instead of directly asking. I can work alone and work with others having various character. Apart from these, I have better executive power. Mission belonging to me, will usually be achieved before deadline.Before project, I realize my weakness. I have obsessive compulsive disorder, When I want to solve one thing, if it is unfinished, I will never do the next thing. so, sometimes, my project’s speed of progress is uncertain. Arranging mission improperly often lead to low efficient. In addition, because of carelessness sometimes, there is high mistake odds in my work. The GU 2 is a opportunity that can help me improve my weakness on above aspect, at same time, GU2 also is good for improving these abilities such as, communication and expression.Title of the projectThe title of my report is Hazeline in China-- investigation on the marketing strategy of Hazeline.Objectives of the projectWhen planing to enter into Chinese market, Hazeline has to face the potential threats and opportunities. As world-famous corporation, Unilever must issue a series of measures about how enter into a new market and how obtain expected results for Hazeline. Therefore, my objectives of the report are giving as follows:1)Survey the internal and external situation of Hazeline.2)Identify opportunities and threats in Chinese market.a)By PEST Analysis, to realize Chinese market environment.b)Analyze the Hazeline’s Product life cycle and Corporation life cycle.3) Analyse the strategies used by Hazeline in China.a) 4P analysisb) Standardize or adapt it’s marketing mix4)Assess the advantages and disadvantages used by company.Statement of issues of investigateFirst and foremost, Hazeline is Unilever’s subsidiary, and Unilever is world famous multinational corporation founded in Europe rather than China, however, now, we can see Unilever’s product in a number of supermarket, which means that Unilever must have the progress which enters into China and in the progress, Hazeline also is participant. There are lots of reason which make contribution to the progress, such as domestic factor and foreign factor. I will investigate the interior circumstances and external circumstances, such as:●Local market●local competition condition●Foreigner market such as China●Foreigner competition condition◆Furthermore, when Hazeline decides to enter into China, senior manager mustadapt strategy Chinese market. To achieve this, they should pay attention to the following factor●Competitors existing in Chinese market●Business environment in Chinese market, such as political, economic,social,technology●Unilever’s advantage and weakness in China●Unilever’s Product life cycle and Corporation life cycle.◆Next, I plan to find out these information about the methods used by Hazeline toenter into Chinese market and relevant news or report.●Investment strategy - by purchasing local well-know company tooverseas investment.●Brand strategy - multi-brand●Distribution strategy - multi-distribution●Price strategy - skim or penetrate strategy●Promotion strategy - advertisementFinally, I will analyse these strategies’ superiority and disadvantages.●What effects these strategies have brought●Whether these strategies have some latent defects●Whether these strategies can be upgraded.Reasons for the choice of issueWith China's economy develop rapidly, more and more corporation plan to invest in China.Hazeline is member of Unilever, in that, the plan that which country should be noticed often is made by Unilever, and Hazeline just obeys it. Unilever is multinational corporation, when it enter into China, its main aim is to earn more, however, there must be obvious reason that facilitate Unilever breeds the decision about oversea-investment. The reason is likely to is exterior or interior.Besides obeying supreme plan, in some detailed aspect, Hazeline also operates independently. Though China is both large and potential market, China is strange condition where cu stomers’ figure and aesthetics standard are not same as Western people, so Hazeline ought to make survey before entry for instance, customers’ need, political, economic and social condition. Hazeline’s development history is useful to understand their culture and common strategies. Adaption and standardization is vital problem for corporation when make oversea-investment. Strategy also is value to investigate. Wise business strategy, such as suitable product strategy, right distribution strategy make contribute to obtain Chinese market easily.My study may involved these HND unit textbooks: International Marketing: The Mix, International Marketing: An introduction, Global Business Organizations, Business Culture and Strategy , Business Accounting and Business contract relationship.International Marketing: The Mix offer the definition of 4P, meanwhile the content also includes their advantages and disadvantages. What’s more, it also introduces some reasons which strategy should be chosen.Global Business Organizations explain how a company use business strategies.Business Accounting teach us how analyse a company’s business condition by the fluctuation of profit and loss statement, balance sheet and cash flow chart.Business Culture and Strategy provide PEST analysis and product life cycle for us to identify opportunities and threats in foreigner markets.Business contract relationship illustrates the way to solve and avoid serious labor conflict.International Marketing: An introduction is good for choosing entry mode.Justification for the choice of businessAs lots of Chinese customers know clearly, Hazeline is a well-know brand belonging to Unilever. During these years, Hazeline, existing shampoo industry competitively, upgrades itself by some strategies all the time. According its character, I think Hazeline conforms to GU2’s requirement, at same time, If I regarded Unilever as my topic, it would have less problem in the progress.Primary and secondary sources of informationSource information includes primary information and secondary information.Primary informationPrimary information mainly includes questionnaire survey and inquiry.About questionnaire survey, first of all, I ought to make a questionnaire containing valuable questions about their need and opinion. The next step is to interview passerby in street. Recently, mobile phone is increasingly more popular, so to protect environment, I also use net questionnaire, which reduces the use of paper. By this method, I will know what level of Hazeline’s product is in customers’ mind. When the number of passerby asked is adequate, I can obtain required message that is benefit to make business strategies.In inquiry aspect, I will survey the salesmen of Hazeline’s product on the spot. On the one hand, these people have high odds be Hazeline’s consumers. On the other hand, if they are constant and industrious, besides Unilever’s information, they also offercompetitors’ condition. Ap art from salesmen, managers also is good choice, however, it is hard for student to interview managers because of scarce social resources.Secondary informationThe prime way to acquire secondary information is internet, news and textbooks.About news, Hazeline must be reported when they adopt new strategies or happen to important event as Unilever’s subsidiary, so news is one of alternative way. But, news has deficiency, for example, European news always do not pass to Asia simultaneously. Internet solved the problem.About internet, it is much convenient to collect relevant message. By internet, I can get abundant message without time or geography limitation. Meanwhile, internet can offer some message that I can not get in local market.About textbooks, they provide us with theories and manner to analyze annual report. By textbooks, I understand which strategies Hazeline should choose and how to carry out it further.Methods and JustificationComprehensive questionnaire is the way that can collect an amply amount of valuable and required data from customers directly without human intervention. By these authentic data, I can understand customers’ state for Hazeline and others congeneric product.Surveying on the spot has similar advantage with questionnaire. Interior staff can offer me customer’s feedback, besides, sales department is able to provide the percentage that Hazeline account for total shampoo sales volume. According to the information, Hazeline’s life cycle can be inferred.Official websi te has Unilever as well as Hazeline’ development progress, annual report which conduce to analyse business condition and strategies used recently.Plan1.Negotiated dates for the planning, development and evaluation ofthe project and timescales for conducting the investigationa) The planning stage begins will be finished by 9th Mar. 2016, during this period, the following investigation will be carried out.i. Survey the internal and external situation of Hazeline.ii. Collecting the company’s relevan t informationiii. Submit the draft of planning by Mar.9th.b) This report covers four objectives which will be conducted as follows:i. Find out Hazeline’s relevant strategy. (Mar. 10th – Mar. 13th)ii. Analyse the strategies used by Hazeline in China. (Mar. 14th - Mar. 18th)iii. Assess the advantages and disadvantages used by company.(Mar. 19th –Mar. 21th)iv. Submit the first draft of the investigation report at the end of Mar. 25st.v. Submit the final investigation report at the end of Apr. 8thc) Evaluate the report and submit the first draft of the evaluation stage by the end of Apr. 17th2. Identification of the resources including time needed to carry out the investigationThe competition environment, the product information and a bit of feedback from customers exist in internet.Survey on spot is very important. This is able to help me to make up the loopholes inthe above information and realize some unexpected information.Because Hazelineis a subsidiary of Unilever, so I obtain some relevant data from the official website of Unilever where financial report is. As an auxiliary, borrowing books from library also is option. During this period, those information such as background, common strategies and recent business strategies also can be known. These work will be completed before 19th MarThe questionnaires survey should be finished before 1st Mar. I takes 3 days to Conceive and fabricate the questionnaires, 4 days to execute the survey and 2 days to analyse result and get conclusion.Activities logPh1st– 5th Feb. Choosing companyase 16th– 10th Feb. Finishing personal skills, objective and objects11th– 18th Feb. Collecting the company’s relevant information19th Feb –20th Feb. Finishing initial reportPh21th–23th Feb. Conceiving and fabricating questionnairease 224th– 27th Feb. Executing questionnaire survey28th Feb–1st Mar. Analysing questionnaires2nd– 4th Mar. Collecting information in internet5th – 6th Mar. Inquiring salesman and other staff7th Mar– 9th Mar. Researching Chinese business condition10th– 13th Mar. Finding out Hazeline’s relevant strategy14th – 18th Mar. Analysing Hazeline’s business strategy19th– 21th Mar Analysing the strategies’ superiority and disadvantages 22th– 25th Mar. Finishing initial developing reportP26th– 30th Mar. Waiting tutor’s advicehase31st Apr – 8th Apr Modifying final developing reportP9th– 12th Apr. Finishing reporthase413th– 16th Apr Reviewing report17th April. Submitting evaluation。
HND大综合案例
H N D大综合案例(总9页) -CAL-FENGHAI.-(YICAI)-Company One1-CAL-本页仅作为文档封面，使用请直接删除The Early YearsDiamond communications was established in 1971 as a wholly owned subsidiary of the post office, then a public corporation. The company was originally called UK CarCom and control passed from the Post Office to the then state owned British Telecom. At this time the head office for UK CarCom were relocated to Edinburgh. In 1984 the UK government sold a majority stake in British Telecom, and sold the whole of UK CarCom. A controlling share in UK CarCom was purchased by a consortium of London based venture capitalists, with the remaining shares being placed with the main banks and small investors. The new owners had seen the opportunities that were opening up as a result of the deregulation of telecommunication markets. Deregulation involved the removal of many government rules and regulations and the encouragement of competition in the market, a process that was to be enthusiastically adopted by many countries. Under British Telecom, UK CarCom had specialized in developing car phone technology. And prior to the sale had started to research and develop mobile phone and network technologies the company with its new owners was well placed to take advantage of the rapidly changing and developing telecommunications markets.钻石通信成立于1971年，作为一家全资附属公司的邮局，然后一家公众公司。
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1.0 Planning―Action Plan1.1 IntroductionI'm working in Cadogan Bank plc which provide investment service.I will provide Alexander Flynn,his wife Janet Flynn and three children some personal financial products.As an Investment Services Manager,the main responsibility is to help people providing personal financial products.In whole of this financial service, my expectation is follow up the customer needs,at the same time help customer to achieve maximum profits.In England is including two kinds of Investment Services Manager which are Tied Adviser and Independent Financial Adviser.A Tied Adviser is only provide some products which is from their own bank.Independent Financial Advisers can provide products from the whole of the UK market. In England Alexand er’s family is a middle class.In England,the middle class annual income is ￡350.000.Therefore they are too busy to have no time to management of their property.At the same time they are also well-to-do.Therefore they can not worry about some product is too expensive to afford.So I can provide the best suitable provider.Cadogan Bank is a commercial bank,moreover is one of the institution by Financial Service Authority (FSA) regulation.In UK,FSA only supervise nineteen bank.If the bank's business is bad or default,FSA can undertake compensation.These are fully demonstrates that Cadogan Bank is reliable.A commercial bank provides savings,money market accounts,mortgage and so on.Because of this cause,I can help client to find some investment and financial product.In England,there have five kinds of provider.I will use three of these provider in whole of this report. The client needs saving,borrowing and personal insurance.Due to customer needs has variance,the provision of products are possible to satisfied customer.This is why we should find other provider in UK to satisfied customer needs.1.2 Likely resources to be used1.2.1 Primary researchIn primary research,the main method is including interview,field study and focus group.I will interview Bruce Van Saun who is a finance supervisor of The Royal Bank of Scotland(RBS) ask about the information of financial products.Because this bank is famous for financial service and has many kinds of financial product,moreover it has good reputation.After that I will discuss in group.1.2.2 Secondary researchIn secondary research,the main method is including internet, HND textbooks and newspaper.I will search the website of Barclay about saving,investment and protection.Because the information of internet and newspaper is always update so that I can take much latest information.Through these methods,I can find more and more suitable financial product to help Alexander Flunn to management of their property.1.3 Strategy for carrying out reportI have six step strategy to finish this report.Firstly,I will read the case carefully.And then go to discuss with group number.Through discuss,we can know the living and property status of this family.After that,I can get know what they need.The reason for me to arrange this step is make me better and faster to find suitable financial product.Secondly,I will analysis this case.Through this way we will know this family needs what kinds of product.Thus help me to make sure the range of search resource. Thirdly,I will use primary research and secondary research to collecting professional information on financial products.After that collation of data,because useful data can make sure the information accuracy.Further more,I will use interview method ortelephone survey to communicate with client,in this way,I can get some perspective from client to ensure these data more reliable.Fourthly,I will discuss with my group number,choosing the suitable product which is accord with client needs and their economic condition.All of these aspect can make clients get a suitable products and gain a maximum profit.Fifthly,after screening the products,it is still have some loophole,so I must check and repair it.I will read the case carefully again,in addition I will communicate with client again to gain more detail of customer needs.In this way,we can ensure the products is the most suitable for customer needs.Sixthly,I will check step one to five carefully to make sure they are good for this family.If their are not suitable,I will correct them immediately.Finally,I will hand in this report.And then hope this report can take benefit with this family.1.4 How the project will be managedI will spent six weeks to manage the project.In the first place,I will carefully to reading and analyzing the case which will spent me two weeks.It will help me know actual demand of clients.In addition I will use the newspaper method to ensure what kinds of this family's economic condition in society,in this way I will rapidly to find product.In the second place,I will collect information and find product which will spent me two weeks.In this stage I will using internet and field study to collect information which relate to saving,mortgage and ing internet can make me quickly to get information and data,moreover these information are the latest.In addition it will make me all-around understanding many kinds of institution's financial product,and then choose the ing field study can gain more accurate information about financial product,at the same time I can ask about the detail of related product.Finally,I will spent two weeks to communicate with clients and classify these information.I will use interview to communicate with Alexanderand his wife Janet about these information,listen to their opinion and then modify these information.In this manner,it will improve this project and the family may get more benefit from it.1.5 Timescales for projectSee Apprendix11.6 Sources of information1.6.1 Primary researchIn primary research,I intend to interview Bruce Van Saun who is the finance supervisor of The Royal Bank of Scotland(RBS). I hope he can give me some information about financial ing interview,my optimal harvest is get some financial suggest about savings product and investment protection.I hope these suggestion can help me find our suitable products for this family.1.6.2 Secondary researchIn secondary research,I will use internet and HND textbooks.The websites are:/1/2/home/investment/isa/index-tracking-ISAwww. I will use Financial Services to help me finish this report.It include many kinds of saving product,mortgage products and protection products,and have detailed explanation.The reason for this is the contents of HND textbook is most comprehensive and has authoritative.The HND textbooks include:Financial SectorPersonal Financial ServicesCreating a Culture Of Customer CareI will use Internet to search the website of National Westminster Bank ,FSA,Scottish Widows and Legalandgeneral.In this way,I will through the website of National Westminster Bank to know some information about product.It is one of the four clearing bank.Their Investment Services is very excellent.The reason for me to find FSA is that it can protect the interests of investors,at the same time it can help investor to risk assessment.The biggest luminescent is when the bank's business is bad or default,FSA can undertake compensation.I will search the website of Scottish Widows.This bank is very authoritative and their products and services is also a first-class.It has savings and mortgages and some life Insurance. Their mortgages is very good.The Legalandgeneral's endowment insurance is very excellent.The company has more than 250 million customers and every year pay more than 20 million to customers endowment insurance gold,moreover the company also has lots of over 20 years of long-term insurance policies.。