置力融资理财顾问公司商业计划书 摘要 目前,我国经济蓬勃发展,尤其是中小企业更是为社会进步添砖加瓦但目前的中 小企业也面临困境,尤其是中小企业融资难已经成为阻碍其发展的最大瓶颈例如调查 中可以发现仅就沈阳市中小企业来说,融资形势不容乐观,通过银行实现的融资仅为8% 左右,其余为企业之间借款,还有许多企业由于资金问题,即使有自主技术也面临发展 的制约当然原因是多方面的,但企业对融资渠道信息的匾乏以及融资过程的不科学性 是导致企业无法有效融通资金的最根本原因 企业需要融资,个人需要理财,随着个人收入的日益增多,有效的个人理财需求不 断增加,人们已经不满足于只是购买商业银行或是证券保险公司的金融产品,更加倾向 于能够得到根据自身状况量身定做出一整套科学合理的财务规划基于以上的需求分 析,计划在辽沈地区开创一家融资理财顾问公司)置力融资理财顾问公司,依靠专业 的金融人才一和国家政策的扶持,会给当地中小企业的发展带来一个质的飞跃,促进国民 经济发展,流通银行的储蓄资金;另外依托辽宁省内顶级高校的产品研发和培训优势, 整合融资理财的信息!产品和机构资源,为越来越多的高端个人客户进行理财服务,最 终形成社会!政府!中小企业!金融机构!战略合作伙伴!高端个人客户和置力融资理 财公司多赢得效果 本报告通过分析辽沈地区中小企业的融资需求和高端个人客户的理财需求,采用实 地考察!信息反馈!综合归纳!间接调查!SWOT分析等研究方法,结合目前各商业银 行的服务内容,制定了成立置力融资理财公司的商业计划书,从商业模式!市场!管理! 财务!营销等各个方面深入全面的了解企业的优势和劣势,为公司的战略决策提供依据 和保障,为创业团队指明今后努力的方向,从而更好的获得政府和相关机构的支持 本文共分七章,第一章是引言,第二章是创业企业商业计划的相关理论综述,第三 章是置力融资理财顾问公司的基本情况,第四章是置力融资理财顾问公司的战略目标和 融资策略,第五章是置力融资理财顾问公司的市场分析和运营预测,第六章是置力融资 理财顾问公司的财务风险及分析,第七章是投资退出方式与报酬,最后是结束语全文 对置力融资理财顾问公司的创立!公司的运营和利润预测做出了市场分析;财务分析; 风险分析等;并针对人员管理!业务模式等问题提出了实施方案的步骤和应注意的问题 关键词:融资理财顾问公司,商业计划,设计与实施,中小企业融资东北大学硕士学位报告Abslraet TheBusinessPlanofEnergyPlazaFinanceConsultant CorPoration Abstraet AtPresent,there,5agreateeonomiealboomingdeveloPmentinourcountry.Aswellas thesmallandmedium一sizedenterprisesaremakingagreateontributionforthesoeial eeonomiealProgress,theyarealsofinaneiallymeetalotofdifficulties. 认陌maydiseoverthatinsomeinvestigationthefinancialereditsituation15notoPtimistic inShenyangasfarasthesmallandmid一sizedenterpriseseoncemed. TheLoantransactionrateismerelyab6uts%,theotherfinaneialereditloansaredid mutuallytheenterprises.Evenifmanyofthesmallandmid一sizedent仰riseshavethe indePendentteehnology,theystillean,tdeveloPhealthilyasaresultoffinaneialProblem. TherearelotsofreasonsforthisPhenomenon, butthemostbasiereason15thelaekingofloansehannelinformationandtheunseientifie finaneingProeess. Theenterpriseandindividualallneedtheeffeetivefinancialmanagementmethod. PeoPlearenotsatisfiedwithonlyPurchasingfinaneialProduetfromtheeommereialbank.and thenegotiablesecuritiesinsuraneeeomPany,butevenmorefavorsinonewholesetseienee reasonablefinaneePlanWhicharemadesPeeifieallyaeeofdingtotheirownfinancial condition. Basedonaboveanalysis,weeandrawthiseonelusion:it,5reasonabletodoafinaneial eonsultantCorp.A且d1didone,named,the俪tefinaneingeonsultantCorp. DePendsuPonthesPeeializedfinaneialtalentsandthenationalPolicysuPPort,this eomPanyeanbringtheenormoushelPtotheloealsmallandmedium一sizedenterprise,s,to PromotesthenationaleeonomydeveloPment,tocirculatesthedePositfundinthebank; Moreoverd即endsonthetopuniversit犷5produetresearchanddevelo帅entandthetrainihg suPeriority,theinformation,theProductandtheorganizationresoureesinLiaoningProvinee wecanofl七rmoreandbetterservieesforadvancedindividualcustomertomanagetheir finaneialissue. Thefinaleffect15thesoelet丫thegovern们nent,thermallandmedium一sizedenterprise, thefinaneialorgan,thestrategyPartn毯theadvaneedindividualcustomerandtheUnite fi,laneialCorp.wouldbeallbenefitfromthisProjeet. 一111- 乒东北大学硕士学位报告Abstract The:PreseniPaPerthroughanalyZesthefinaneialdemandandthehigh一endindividual customerfinancialmanagementdemandinShenyangCity,LiaoningProvinee.Itusesvarious researchmethodsineludingthein一the一sPotinvestigation,informationfeedbaek,synthesis inductio一1,indirectinvestigation,SWOTanalysis.ItalsorelatesthePresentvarious eommer-:ialbank,5serviceeontent,toformulatethecommereialPlan,asthebasietheoryof theCorp..5establishment,oPerationmanagementandthemarketingdeeision一making. Thisartielealtogether15dividedintosevenchaPters,thefirstchaPter15anintroduetion, theseeondchaPter15thesummaryoftheenterprise.5eommercialProgrameorrelation theories,tlzethirdehaPter15thebriefintroduetionofthefinaneialconsultantCorp.Thefourth chaPterthestrategietargetandthefinancingstrategyoftheCorp.,thefifthehaPter15its market:InalysisandtheoPerationforeeast,thesixthehaPter15thefinaneialriskandthe analysis,theseventhchaPter15theeommereialProgramimPlementationandthenotable questions.TheeighthchaPter15eoneludingremark. Thefulltexthasmadethemarketanalysis;financialanalysis;riskanalysisandalso ProPosedtheimPlementationPlanstePandnotablequestionsontheeomPany,5establishlnent, oPeratio]1andtheProfitforeeast. / Keywords:financialeonsultanteomPany,eommercialProgram,designandimPlementation, smallandmedium一sizedenterprisefinaneing IV东北大学硕士学位报告目录 目录 独创性声明......................................................................................................................I 摘要....................................,...;..........................................................................H AbStraCt.........................................................................................,...........................111 第一章绪论...........................................................................................................1 1.1本文研究背景及意义..................................................#.1 1.2本文研究方法................................................................................................2 1.2.1实地考察法.........................................................................................#一2 1.2.2综合归纳分析法....................................,3 1.2.3信息反馈法.........................,...........,......,.......,.#3 1.2.4间接调查法............................................................................................#.#3 1.2.5swoT分析法....................................................,............,.........#3 1.3本文的研究内容.....................................................................................#品3 第二章创业企业及商业计划相关理论综述...............................................5 2.1创业企业的涵义及特征...............................................,..................................5 2.1.1创业企业的涵义....................................................#.#5 2.1.2创业企业的特征...................,........................#5 2.2商业计划的相关概念.........................................................................#.#6 2.2.1商业计划的涵义.........................................6 2.2.2商业计划的类型..............................................................#6 2.2.3创业企业与商业计划的关系...............................................................几..,7 2.3创业企业的营销策略............................................................................................7 2.3.1联合策略.....................................................................................................7 2.3.2差异化策略......................................................................................#7 2.3.3品牌策略.....................................................................................................7 2.4市场研究相关理论.............................二............8 2.4.1市场调查相关理论..............................#8 2.4.2市场预测相关理论..............................,8 第三章置力融资理财顾问公司的基本概况...............................................9 不东北大学硕士学位报告目录 3.1公司组织结构及决策程序....................................................................................9 3.1.1公司组织结构...................................................................,...................9 3.1.2公司决策程序..,........................................................................10 3.2公司性质及业务范围......................................................................,.............10 3.2.1公司性质...............................,:..................................,.............10 3.2.2公司业务范围,.....................................................................................H 3,3管理团队.,.,......,......................................................................................H 3.3.1企业法定代表人基本情况........................................................................H 3.3.2团队主要成员...........................................................................................12 3.3.3企业人员开发能力情况...........................................................................13 第四章置力融资理财顾问公司战略定位!发展目标及营销策略巧 4.1公司SWOT分析................................................................................................巧 4.2公司战略定位及发展目标..................................................................................16 4.2.1公司战略定位.......................................,.............................................16 4.2.2公司发展目标几..........................................................................................17 4.3公司营销策略和营销手段..................................................................................17 4.3.1营销策略选择...........................................................................................18 4.3.2营销手段...................................................................................................19 4.3.3营销优化...................................................................................................23 第五章置力融资理财顾问公司市场分析及运营预测.........................27 5.1公司项目的市场定位及目标..............................................................................27 5.2市场现状及竞争格局......................................................................,.............27 5.2.1中小企业融资市场...................................................................................27 5.2.2个人理财市场...........................................................................................28 5.2.3市场竞争分析...........................................................................................29 5.3市场需求者分析..................................................................二29 5.3.1市场需求者分析.......................................................................................29 5.3.2影响市场需求的因素分析...................................................!.............29 5.4市场运营预测......................................................................................................30 5.4.1市场调查...................................................................................................30 5.4.2运营预测....................................................................................,........31 厂 VI东北大学硕士学位报告目录 第六章置力融资理财顾问公司财务分析及风险对策.........................33 6.1资金筹措及使用计划..............................,.................................................33 6.2投资预算............................................................................,...........................33 6.3财务指标分析..................................................................................................33 6.4财务指标分析....................................................................................,...........39 6.4.1净现值的确定.........................,.......................................,.............39 -6.4.2投资回收期...............................................................................................39 6.4.3盈利能力指标.................................,...................................................39 6.5盈亏平衡分析......................................................................................................40 6.6风险及对策.........................................................................,..........................40 6.6.1经营风险与对策.......................................................................................40 6.6.2市场风险与对策.......................................................................................41 第七章投资退出方式与报酬......................................................,..............43 7.1IPO上市...........................,............................................................................43 7.2股份转让.......................................................................................................43 7.3股份回购..........................-.............................................................................43 7.4股利分配..............................................................................................................44 第八章结束语....................................................,..............................................45