Model essay on college students' personal business plan (1) 1, background
There are still many sub-sectors in the Internet finance industry that can be cut in and innovated. Last year, I thought about transformation and cut into the tourism finance industry. Later, due to other reasons, it went away, so I extracted some business plans I wrote before and shared them with you.
After nearly two years of rapid development, the industry has spawned a large number of P2P platforms, but the concentration of the industry is getting higher and higher, gradually forming a national and regional oligarchy, and the competition in the whole industry is becoming increasingly fierce and full of opportunities. The customer acquisition cost of the whole industry has also been pushed to a very high level. At present, the cost of acquiring an investment user in the industry has exceeded 3,000, while the per capita investment amount is only 30,000 to 50,000, not counting the loss of users. Therefore, if we want to get 10000 effective investment users, the marketing cost will exceed XX, 000, which has not taken into account the personnel cost, rent and other additional expenses.
The difficulty in getting customers in the industry is actually the result of blind imitation and over-marketing. We take cooperation with travel agencies as a starting point, give credit to travel agencies, and locate this group that pursues freedom and happiness after 1980s and 1990s. On the one hand, we will stage tourism consumption finance, on the other hand, we will manage their money and make a travel fund. Save them money and facilitate their travel. At the same time, the late development of app, cut into tourism socialization, design high-end routes, and tailor-made tourist routes for users.
2. Industry analysis
At present, the number of users in the entire p2p industry is nearly 2 million, and the number of Internet financial users has exceeded 654.38 billion. According to iResearch statistics, more than 90% of Internet finance users are post-70s, post-80s and post-90s, and these people not only have the habit of Internet finance, but more than 60% of them are parents for the first time, because when the competition in the Internet finance industry is becoming increasingly fierce, the industry is not lacking in innovation. Similar to the baby wallet positioned as a new father and a new mother, it is positioned as the handy savings of Jiufu, a moonlight family, and a worker's treasure of noah wealth, a senior white-collar worker and a middle class.
Baby wallet is specially designed for new parents who have Internet financial habits. Its positioning is the emotional marketing of parents who love their children. After being online for one month, it quickly gained more than 65438+ 10,000 registered users. There is not too much marketing promotion, just relying on friends' recommendation and viral marketing. When they quickly accumulate users, they can cut into the maternal and child e-commerce market in the future.
At present, the existing 1 100 million internet financial users are also the main users of the tourism market. According to statistics, more than 70% of the post-80s and post-90s travel more than once a year, while the domestic tourism market has an existing market share of nearly 3 trillion. More than 50% of post-80s and post-90s consumers travel more than twice a year. These users have a good credit environment and a certain repayment ability and willingness, including the current Tuniu. Including Huaxia Bank, Shanghai Pudong Development Bank has also begun to cut into travel agencies and cooperate with some large domestic ota companies to provide credit to its users.
At present, the market development of domestic consumer finance is less than xx, far below the level of Europe and the United States. Now, a large number of real estate companies, e-commerce companies and banks are already laying out and carefully reclaiming this blue ocean. According to the statistics of iResearch, the scale of domestic consumer finance market will reach xx trillion in 20xx. Tourism consumption finance will occupy a relatively large market share.
3. Our development direction
Different from other Internet financial platforms, we focus on tourism segmentation. A considerable number of Internet financial users, who are also tourists, cut into the tourism industry in stages through tourism consumption, increasing extra income for a large number of travel agencies, expanding the market and increasing profit points. At the same time, it is convenient for tourists to manage their wealth and assets, so that their wealth can appreciate. However, our platform is only an intermediary. Later, high-end tourist routes were developed to customize services for tourists.
In the later stage of the platform, an app will be developed, and functions such as making friends socially and applying for a travel agent by self-recommendation will be added. Through social ways and time sharing, it greatly increases the interest of travel, at the same time increases the brand of the company, increases the viscosity and usage frequency of customers, and precipitates a lot of content.
China tourism has experienced self-help tour and group tour. At present, the public has reached a certain level of affluence, so they are more in pursuit of spiritual experience, high-end tourism, vacation and leisure, and even such travel agencies. Relaxed and lively travel mode will be the mainstream in the future.
We plan to achieve a turnover of over xx billion within one year. Based on the average amount of xx, we need to achieve more than xx million. In the early stage, we mainly cooperated with travel agencies, so it is easy to expand the scale. In the later stage, in addition to the phased products of tourism consumption, financial products can also be designed for the arrears of travel agencies and hotels, which can better penetrate into the tourism industry.
4. Company planning.
In the early stage, the company mainly developed mobile phone WeChat, cooperated with travel agencies, designed financial products and set up a marketing team. At present, the mobile Internet is a trend, and mobile phones connect people with various consumption scenarios. Through the cut-in of mobile WeChat, we can get traffic and users through product innovation and new media marketing, and connect all travel agencies through this product. The initial plan of the team is 8- 10 people, including business personnel negotiating with travel agencies, new media operation, customer service, financial product design, risk control personnel, art technicians, etc.
5. Proportion of each business segment.
In the later stage, we will design high-end tourist routes, increase new profits by organizing tours and other all-round services, and develop an app with the functions of tourism socialization and community sharing, and encourage users to be active through the points system and tourist coins. The accumulated travel money can be exchanged for some outdoor products and even rewarded for free travel. Through the sharing of words, pictures and travel diaries, there is a lot of content in the platform, which can be spread and marketed through WeChat and self-media.
It is planned to achieve a turnover of xx billion yuan during the year, and at the same time, we will independently design exclusive tourist routes 10-20, with more than 1000 trips and more than 654.38+10,000 users. At the same time, venture capital will be introduced for the A round. Then expand the market, including setting up its own risk control team, collection team, marketing and brand, and cooperating with tourism real estate companies to design holiday tours and other products. I hope to keep the balance of payments within one year and occupy a certain market share. And can continue to make profits.
6. Profitability analysis.
According to our planned transaction volume of 65.438 billion yuan and 4% interest margin, our gross profit from travel agencies can reach xx million, and the gross profit rate of customized routes is 654.38+05% based on thousands of people. Gross profit is nearly xx million. It is conservatively estimated that the revenue can reach xx million within one year. According to the calculation of 10PE, venture capital was introduced in round A, and the company's valuation exceeded 100 million.
If capital is introduced in the later stage, it will accelerate the introduction and development, expand business, especially get through travel agencies all over the country. Different from Tuniu, we started as a tourist consumer finance, and later we can integrate lines to provide value-added services. According to the forecast, we can break even within one year. Compared with domestic ota companies, we have a very clear profit model from the beginning, which can differentiate competition instead of falling into the strange circle of burning money to obtain users.
The later business segment can also involve cooperation with hotels, tourism real estate, holidays and other projects to create additional value for users, but it is only expected for the time being, and its income-generating capacity is unpredictable.
At present, the penetration rate of domestic online travel companies to the tourism industry has not exceeded 10%, but it has exceeded 50% in European and American countries, and there is still much room for improvement. With the continuous improvement of domestic income level, outbound travel and high-end customized travel will break out in the future. Among them, the market share of tourism consumption finance, outdoor and holiday tourism will continue to increase. In the next decade, tourism will be a rapidly developing industry.
Model essay on college students' personal business plan (II) I. Industry overview
I will walk out of the ivory tower next year. Because of the impact of the economic crisis, I am interested in the catering industry. I plan to open a cake shop after graduation. Cake shops have great prospects for development. Now people have a good life, high consumption level and high pursuit of quality of life. Comprehensive cake shops have become a major trend of urban consumption.
Second, the cake shop overview
1. Our restaurant belongs to the catering service industry and is named "Maggie Afternoon Tea". It is a sole proprietorship enterprise. Mainly provide people with cakes, bread, ice cream and drinks and other desserts.
Our store will open in the community commercial street. The initial stage is a mid-range cake shop, which is ready to gradually develop into cake chain stores like Anderson and Xiangyang Square.
3. Our store needs a venture capital of xx million yuan.
Third, the business objectives
Because in the geographical location of the commercial street, there are relatively rich customers, but there are also many competitors. In particular, our store has just opened. If we want to open the market, we must work hard on service quality and product quality, further expand the business scope and meet the different needs of consumers. The short-term goal is to gain a foothold in the commercial street and recover the cost 1 year. The long-term goal is to gradually develop into a cake chain company with strong economic strength and a certain market share, and to break through a world among many cake brands and become a well-known brand in the cake market.
Fourth, market analysis.
1. Tourist source: The target customers of our store are: ordinary consumers who go shopping and entertainment in commercial streets, accounting for about 50%; Students from nearby schools, store employees and community residents account for about 50%. The number of tourists is sufficient and the consumption level is low.
2. Competitors: According to the survey results, there are many domestic brand cake shops, and there are many chain cake shops in Fuzhou alone, such as Anderson, Xiangyang Square, Hongye and Angel. So there is a lot of competition.
Verb (abbreviation for verb) business plan
1. Go to several nearby cake shops to "inquire about information" and find out the cost price of different kinds and sizes of cakes. Understand the business philosophy and "tricks" of all kinds of cake shops.
2. After the increase in the opening price, we began to "dig corners" in major cake shops. You can't dig "blatantly". When there are few people in the shop, you should sneak over and discuss with the master in the shop. It is very important to hire a pastry chef and open a cake shop chef, which should be carefully considered.
It is understood that there is a group of consumption rates that are found like this: "Customers never have the cheapest price." You can lower a few dollars today, and tomorrow there may be competitors competing with you for orders at a lower price. "From this, I realized a certain competitive strategy in the product market:" Price reduction promotion is not a long-term business strategy. Only by making the best cakes with the best materials can we attract and retain customers. "
The cake shop is mainly for the public, so the price will not be too high, which belongs to the middle and low price.
Some advertising leaflets can be printed and distributed in the form of coupons to achieve the effect of advertising.
6. Cake shops can specially open up leisure areas and set up many chairs with unique shapes. Customers can buy some snacks and sit in the cake shop and taste them slowly, which further strengthens the leisure function of the cake shop.
7. After many investigations, due to the needs of competition and other aspects, many cake shops have introduced some snack foods that have little to do with cakes, so as to form new profit growth points. Many shopkeepers have some innovative measures in the variety of business: for example, in hot summer, ice porridge and shaved ice, as well as milk tea and juice drinks, which are very popular at present, are very popular with customers.
8. Establish a membership card system. The name of the member is printed on the card. The discount rate of membership card is not high, such as 15% discount. On the one hand, it can give consumers a sense of respect, on the other hand, it is convenient for waiters to address consumers. Especially if the consumer is with someone else, the waiter can address him (her) as Mr. or Miss * in public, and they will feel very respected.
9. Put some publicity materials and magazines on the table, with knowledge and stories about cakes and drinks. On the one hand, it can enhance the taste, set off the atmosphere and increase consumers' goodwill towards the brand.
10. No matter from the storefront decoration, the image of the clerk, or the cake making, it is necessary to give customers a sense of health and hygiene. The cake shop must strictly implement the national food hygiene law, which is its foothold. The content comes from Xuzhou Convenience Network to serve you sincerely.
1 1. The food industry has special job skills requirements: employees must hold "health certificates".
Financial estimation of intransitive verbs
Start-up assets: about xx million yuan.
Equipment investment: 1. The rent is RMB xx.
2. The facade decoration is about xx yuan (including storefront decoration and light boxes).
3. I will probably invest xx yuan in the shelves and sales tables.
4. Employees (2 employees) need xx yuan for uniform clothing.
5. The maximum investment of machinery and equipment: xx million yuan (including the complete set of utensils for making cakes). First time purchase: raw materials such as flour and cream, about xx yuan.
Monthly sales (average): xx yuan. According to experts' assessment, after such a small cake shop is on the right track, its monthly sales can reach xx yuan.
Monthly expenditure: xx yuan. Rent: the best location is in densely populated residential areas, community commercial streets, and lots near children (such as kindergartens or playgrounds), about xx yuan.
Commodity cost: about 30%, about xx yuan. Salary: a small shop of 10 square meter needs 1 cake maker and 1 waiter, and the salary is RMB * * *.
Miscellaneous expenses such as water and electricity: xx yuan, equipment depreciation expense: calculated according to 5 years, monthly profit of xx yuan: about xx yuan. According to this estimate, the investment can be recovered in about one year.
Seven. Analysis of risks and constraints
Because the cake shop is not the first shop in the street or community, it is difficult for customers to change their consistent tastes, so they have to spend more financial and material resources and "tricks" to attract customers.
Model essay on college students' personal business plan (3) 1. business experience
According to the investigation of China women's jewelry market by domestic authoritative organizations, the per capita share of women's jewelry market in China is less than 5%, while that in developed countries is generally around 45%, and the highest in Tokyo is 98%. According to experts' prediction, the consumption rate of female products in China is increasing at an annual rate of 19%, especially among students at school. With the development of society, the demand for accessories is getting higher and higher, and the huge market space that can be expected is in sharp contrast with the poor market share. At present, there are not many products that can satisfy consumers, and the products and storefront forms on the market are also uneven. Therefore, the market development space of jewelry industry is very large.
Second, the project overview
Personalized jewelry stores originated in the United States and are popular in Japan, which means unique, more professional and more creative jewelry stores. Today, when shops are flying all over the sky, personality is the soul and life of shops. Because students have a great demand for ornaments, we will mainly sell students' ornaments, provide various ornaments that meet students' requirements, supplemented by toys and various home decorations, and provide various toys and personalized decorations.
Third, the market analysis
China is a country with a large population. With the development of China's economy, people's requirements for life are getting higher and higher, especially for children's novel toys and ornaments. The requirements of primary and secondary school students for ornaments are no longer beautiful, simple and cheap, but also novel. Girls love beauty. Most girls have long flowing hair, and the headdress flower has become their essential jewelry. Generosity and beauty have naturally become their minimum requirements for jewelry. Speaking of toys, every child has them. Most girls among college students like toys. After investigation, many girls will spend 30%~40% of their total money on accessories, which is a good market. However, because there are many jewelry stores and the competition is great, we must provide the latest exotic jewelry, the most personalized jewelry and the best service in order to develop in this market. Therefore, we provide opportunities for them to learn to make all kinds of jewelry by themselves, so that they can not only feast their eyes, but also experience the fun of making jewelry by themselves!
Fourth, the market environment
Opening a shop online has many advantages, the most important of which are the following outstanding advantages: less investment, quick recovery and indifferent inventory, so it is especially suitable for small shops and individuals to start businesses online.
(1) From the perspective of start-up capital, the traditional ground store opening, facade rent plus decoration fee, and the first batch of purchase funds need at least tens of thousands of start-up capital. But the start-up capital needed to open a shop online is much less. According to our plan, as long as you have a computer with Internet access and your diligence (managing your own website), you can open a shop! Online stores are much lower than ground stores of the same size. On the internet, there is no need to increase the rent to increase the business area, and there is no need to increase the cost to extend the business hours.
(2) From the perspective of liquidity, the purchase funds of traditional shops range from several thousand yuan to tens of thousands of yuan, while online shops do not need to press funds, and they can purchase goods with orders.
Verb (abbreviation of verb) Company introduction
1, the company's business purpose and objectives.
Companies adhere to the integrity-based, customer interests first business purposes. We will always pay attention to customer needs, take the company website as a platform, pay attention to customer feedback information, and provide customers with various consulting services. And market-oriented, speed up the upgrading of products, so as to ensure the quality and fashion of our jewelry and meet people's desire to pursue individuality, simplicity and fashion. Relying on small profits but quick turnover, running smoothly, relying on quality and design, earning customer recognition, this is our way of operation. I believe that with the efforts of company members, our products will win a good reputation, and at the same time, they will help customers create a warm and comfortable home atmosphere. Achieving a win-win situation for both the company and customers is our goal!
2. Company profile.
(1) Company Name: xx Jewelry
(2) Business scope: all kinds of headdresses, toys and home accessories, such as wall hangings, vases, fabric cushions, ceramic paintings, ceramic vases, carpets, electrical appliances, etc.
3. Company management.
(1) management thought: under the guidance of quality management theory, people and products are required to constantly improve, learn and grow, and at the same time, business processes are thoroughly reconsidered and redesigned, so as to make a major breakthrough in performance measurement standards and complete enterprise reengineering. The company adopts a networked hierarchical management system, which unifies stability and change, centralization and diversification.
(2) Management team: with the general manager as the management center, there are product service director, marketing director, website technical director, financial director, jewelry designer, etc.
(3) Management decision-making: hold a company meeting with the general manager as the core and the heads of various departments to discuss the company's related affairs. The general manager has the highest decision-making power when it comes to the choice of the company's strategic direction, the determination of the independent labor scope and boundary of different work units. While emphasizing unified command and a certain degree of centralization, enterprise management also pays attention to decentralization. The front-line personnel in the work unit, that is, the heads of various departments, have the right to independently handle possible emergencies within the scope of the company's strategic parameters.
Market and competition of intransitive verbs
According to the development of society, since most families now have only one child, this child will naturally be loved by everyone, and there will be competition between parents because they love their children. Of course, all kinds of children's toys will also pursue innovation, so the company will launch the latest toys to meet the requirements of parents. For students who can control their own money, buying exquisite ornaments is also a kind of competition for them, and higher cost performance can better reflect their pursuit, so the company will have a great market.
Now most boutiques are storefront stores. In order to earn store rent, many shops will raise product prices to make profits, and our company will clearly mark all goods. Because our company is an online shop, there is no storefront fee, so the price of goods is naturally lower than the market price. Customers can decide whether it is worth buying online by comparing prices online. This is the competitive advantage of our company with other market stores!
Judging from the development of network, most families now have computers. Shopping online is much more convenient than going to the market. Shopping in the market should not only consider whether it is crowded, but also worry about whether we will meet thieves, so that we can't choose our favorite items wholeheartedly. As an online shopping company, our company will not be crowded in the market and will not worry about our wallets. In addition, our company is cash on delivery, and customers pay only when they are satisfied with our products, so that customers can feel more at ease when buying products in our company and don't have to worry about being cheated.
Seven. marketing
Honesty, fashion, loyalty and exquisiteness.
—— Brand connotation of XX jewelry
According to market analysis, market competition and the company's business objectives, the company has determined its own brand marketing strategy, which is mainly divided into three stages. In the first stage, I spent a year building my own brand image online. At this stage, the publicity planning mainly takes "exquisite, beautiful and generous" as the theme to create a brand-new corporate image, so that consumers can understand our brand, pay attention to our brand and fall in love with our brand. The second stage is to establish the brand's credibility in the publicity stage, increase the brand connotation on the basis of brand trust, strengthen the brand imagination, and inject the concept of "honesty, fashion, loyalty and exquisiteness" into the brand. In the third stage, we will make our brand fashionable, let people know more about and trust our brand, and then build a free experience base station. We will hire specialized designers to give lectures to consumers who like jewelry design, so that customers can "feast their eyes" and "have fun".
At the same time, Nishang Jewelry Store has formulated a more detailed marketing strategy, which is divided into three stages. First, the establishment period of the company's image and the introduction period of the products: using the network as a tool to vigorously promote the image of the company's products; Second, the company's image growth period, and product growth period: mainly through online publicity, supplemented by media advertising; Third, the company's image maturity and product maturity: through the first two stages, the company's image has been basically established in people's minds, and people are relatively familiar with products. In this case, extensive relationship marketing network publicity is used to expand brand awareness and influence and strong brand effect. According to different stages, the company will adopt different marketing methods for extensive publicity. In addition, the company will adhere to the brand road, establish brand strategy once, strengthen brand strategy and extend brand strategy. Among them, the establishment of brand strategy is the key stage. After completing the corporate image design, the company will gradually establish a good brand image through various publicity activities.
Eight. Risks and countermeasures
Advance despite difficulties, slow and steady, and persevere.
-management attitude of ——XX jewelry
Market economy is bound to have both risks and benefits. What Nishang ornaments should do is to avoid risks scientifically and formulate correct countermeasures. We think there are mainly the following risks: first, market risks, mainly the question of whether our products and services can be accepted by the market. Strict market research and scientific data analysis can help us reduce this risk, but it mainly depends on our sensitivity to market changes and our grasp of market opportunities. Market refinement and product positioning accuracy are the key. Second, management risks are mainly management problems caused by decision-making mistakes and enterprise scale expansion. The countermeasure of this risk is that decision makers must pay close attention to the industry trends, enhance the execution of enterprises, and use appropriate management listening and mode to transform human resources into strategic departments of enterprises. Third, financial risks. Although the company has no window rent, there are still financial risks, mainly because improper financing methods may imply traps. To resolve such risks, we must pay attention to the choice of debt when raising funds. Fourth. Network risk, the company is built on the network, but now there are many network hackers, and the network system is likely to be attacked. Once the network system is attacked, our enterprise will be paralyzed. The strategy to solve this risk is to pay attention to the maintenance of the network system, check and maintain the network system regularly, and ensure the normal operation of the network system, so as to achieve the integrity of consumers and win their trust.
In the attitude of being responsible to customers, we objectively and fairly analyzed the possible risks and put forward corresponding solutions. "Make progress despite difficulties, make progress steadily and persevere" is the attitude of Nishang Jewelry in the face of risks.