HND大综合案例
The Early Years
Diamond 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。该公司最初称为英国CarCom和控制从邮局传递到当时国有的英国电信。此时
头部英国CarCom办公室迁往爱丁堡。在1984年，英国政府出售英国电信公
司的多数股权，并整个销售英国CarCom的。份额的控制在英国CarCom的购
买由总部设在伦敦的风险投资家组成的财团，与主要银行和中小投资者，其余
股份被放置。新的业主看到了商机，开放电信市场解除管制的结果。放松管制
涉及去除许多政府规章和鼓励竞争的市场，是一个过程，要满腔热情地被许多
国家采纳。根据英国电信，英国CarCom专业车载电话技术开发。在出售前已
经开始研究和开发手机和网络技术公司与新业主很好地利用迅速变化和发展的
电信市场。
British Telecom had allowed UK CarCom to operate under a number of names
in different European countries, where they worked in partnership on small
projects with the then mainly state owned telecommunications firms. In 1985 the new owners decided to end this fragmented brand approach and at the same time decided that the name UK CarCom was no longer appropriate. They adopted a single name that could be used on the international stage, and rebranded the firm Diamond Telecommunications Plc.
英国电信已经允许英国CarCom的一些名字在不同的欧洲国家，在那里他们与
主要国有电信公司曾在小型项目合作下运作。 1985年，新业主决定结束这种
分散的品牌战略，并在同一时间决定该名英国CarCom不再适合。他们通过一
个单一的，可用于在国际舞台上，并更名公司钻石电讯有限公司的名称。
The Dawn of the Mobile Era
Throughout the remainder of the 1980s Diamond strengthened its links with state telecoms firms across Europe. A major breakthrough came in 1985 with a contract to help maintain and expand the world’s first cellular telephone
network operated by the Nordic Mobile Telephone (NMT) service. The
network operated across several Nordic countries and was the first to allow
customers the use of their mobile phones in any location (international roaming) regardless of which country they were in. the NMT network proved
a catalyst and cellular networks rapidly began to develop across Europe and the developed world.
纵观20世纪80年代剩下的钻石加强其与国有电信公司在整个欧洲。一个主要
的突破是在1985年的合同，以帮助保持和扩大了世界上第一个蜂窝电话网络
由北欧移动电话（NMT）服务经营。网络在几个北欧国家，是第一个允许客户
使用他们的手机在任何地点（国际漫游），无论哪个国家，他们证明NMT网
络的催化剂和蜂窝网络迅速开始在整个欧洲发展和发达国家。
Diamond first commercially launched their hand-held mobile phones in 1986 and although they were heavy, bulky and difficult to use, their launch and subsequent success represented a significant step for the company. Their first hand-held phones were priced at about $4000 because of the high research and development costs and the need for highly specialized production facilities. Whilst the prices were high they were comparable with those of Motorola, and their early entry into the market gave them an advantage over later entrants.
钻石第一款商用在1986年推出自己的手持式移动电话，虽然他们重，体积大，很难使用，其发射和随后的成功代表为公司的一个重大步骤。他们的第一台手
持式手机售价在4000元左右，因为较高的研究和开发成本，并需要高度专业
化的生产设施。虽然价格高，他们与摩托罗拉相比，其早期进入市场给了他们
一个后来者的优势。
The Global System for Mobile communications (GSM) was adopted in 1987 as the European standard. This allowed for high-quality voice calls, the ability for customers to use their phones across international boundaries, and text messaging, thus laying the foundations for a worldwide boom in mobile phone use.
移动通信全球系统（GSM）于1987年通过的欧洲标准。这使得高品质的语音
通话，能够为客户跨越国际边界，短信，从而使用他们的手机在手机使用一个
世界性的热潮奠定了基础。
In the late 1980s and throughout the 90s further deregulation of the
telecommunications markets enabled Diamond to capitalize on a number of
opportunities. The company continued to work closely with several of the
former state telecoms firms in developing and operating mobile networks, further cementing its position as an influential player in the telecommunications market. Diamond’s main focus has remained in Europe, but they have ventured into the North and South American, and Asian
marketplaces. The recent ’opening-up’ of the Chinese market is currently providing Diamond with opportunities for further expansion both in the provision of networks and in sales of mobile devices. This expansion has, and
will continue to require substantial investment. In 1998 the owners sought
fresh capital from existing share holders to allow them to take advantage of the expansion opportunities.
在20世纪80年代后期和90年代整个电信市场的进一步开放，使钻石把握了
一些机会。该公司继续紧密合作，与一些前国有电信企业在开发和运营移动网络，进一步巩固了其作为一个有影响力的球员在电信市场的地位。钻石的主要焦点仍然在欧洲，但他们已经进军北美和南美，亚洲交易市场。最近的“开放的中国市场目前提供的钻石，无论是在提供网络和移动设备的销售额为进一步扩张的机会。这种扩张，将继续需要大量的投资。 1998年业主开始寻找新鲜的
资本从现有的股份持有人，让他们利用扩张机会。
The Internet Era
In 2000 Diamond was a medium sized producer of handsets which could connect to the internet (3G technology). This significant development ensured that consumers had the products that met and continue to meet their growing telecommunications needs, ranging from downloading music, watching TV, web browsing to multiplayer online gaming. Diamond has invested heavily in market research and has been very successful in identifying market trends and then using the latest technological developments to satisfy customer needs.
在2000年，钻石是一个中型的手机生产商，可以连接到互联网（3G技术）。这显着的发展，确保消费者的产品能够满足并不断满足他们日益增长的通信需求，包括从网上下载音乐，看电视，多人在线游戏的网页浏览。钻石已经投入巨资进行市场调研，并在识别市场趋势，然后用最新的技术发展，以满足客户的需求一直是非常成功的。
Intense competition and rapid changes in mobile technologies have resulted in very large research and development costs. New products are continually being developed, and market expectations demand a steady stream of innovative products. As a consequence diamond has entered into partnership agreements with Siemens and Nokia to allow for the joint development of new products and the sharing of technology. At the same time they have entered into several partnership agreements with other Network operators to jointly develop networks in emerging markets. Diamond is working with its partners to continue to develop and market cutting-edge products and to raise its standards of service as a major Network operator. In addition, a number of working agreements have been made with industry bodies (see Appendix 1) involved in establishing common specifications and protocols within the industry. The company views partnership agreements as a crucial part of its strategy in entering new markets and in particular the Chinese market which has enormous potential.
激烈的竞争和移动通信技术的快速变化已经导致非常大的研究及开发成本。新
产品不断被开发，市场预期需要源源不断的创新产品。其结果是钻石与西门子
和诺基亚签订合作协议，以允许联合开发的新产品和技术的共享。与此同时，
他们已经进入了几个与其他网络运营商的合作协议，共同开发在新兴市场的网络。钻石正与它的合作伙伴，继续发展和市场的尖端产品和服务标准，以提高
其作为一个主要的网络运营商。此外，一些工作协议已在行业内建立共同的规
范和协议所涉及的行业机构（见附件1）。该公司认为作为一个重要组成部分，其战略合作伙伴关系协议，在进入新的市场，特别是中国市场具有巨大的潜力。Reorganization
Diamond underwent a reorganization in 2001 rearranging itself into a number of core business areas (see Appendix 2). Prior to this, the production of mobile devices and operating mobile networks had been run as a single
division.
钻石在2001年进行了重组，重新安排到了一些核心业务领域（见附录2）。在此之前，已生产的移动设备和运营移动网络运行作为一个单一的分裂。
Increasing competition led Diamond to separate these two core parts of the business, creating a division for each. Diamond networks had until 2001 exclusively used Diamond phones. Sales of Diamond phones to other networks had been restricted to small networks in emerging markets to keep the phones largely exclusive to Diamond network customers. This was severely restricting growth, and this combined with intense competition between networks and between mobile phone manufacturers meant that change was essential.
日益激烈的竞争导致钻石分开这两个核心部分业务，为每个创建的一个部门。
钻石网络独家使用，直到2001年的钻石手机。被限制小型网络到其他网络销
售的钻石手机在新兴市场中，主要是独有的钻石网络客户保持手机。这严重制
约增长，并结合网络和手机厂商之间的激烈竞争意味着改变是必不可少的。After the reorganization, the Diamond networks were allowed to sell phones produced by other manufacturers, providing greater choice for their network customers. At the same time the mobile devices division was permitted to sell their phones to competing networks allowing access to a much larger market. Sales of Diamond phones have gradually grown since the change in strategy, and new customers have been attracted to the Diamond networks because of the greater handset choice.
重组后，钻石网络销售其他制造商生产的手机，他们的网络客户提供更大的选择。与此同时，移动设备部门被允许出售自己的手机，允许获得更大的市场竞
争网络。钻石手机的销售逐渐增长，因为在战略上的变化，而被吸引到新客户
的钻石网络，因为更大的手机选择。
Growth has also been vigorously pursued through the use of imaginative promotional campaigns, which while successful have led to a relatively slow growth in turnover and profit. The main problem has been the need to cut
prices fo mobile devices as a result of highly competitive offerings form other
firms. Similar competitive pressure has led to a reduction in the tariffs
Diamond can charge their network customers. Whilst the number of handsets sold has risen, and more network users have been signed up, the downward pressure on prices has led to lower profit margins and a reduced rate of growth in turnover.(See Appendix 4)
增长也得到了大力推行通过富有想象力的促销活动，导致营业额和利润的增长
相对缓慢，而成功的使用。主要的问题一直需要降价FO作为一个高度竞争力
的产品，形成其他公司的移动设备。类似的竞争压力已经导致关税的减少钻石
可以收取他们的网络客户。虽然售出的手机数量已经上升，并已签署了更多的
网络用户，价格下调的压力已导致较低的利润率和营业额增长减按（见附件4）As part of its overall marketing strategy Diamond has adopted a strong stance in relation to the environment, and actively seeks to promote social responsibility and environmental sustainability. They were one of the first phone manufacturers in the world to offer a comprehensive mobile phone recycling scheme. They offer a mobile application that provides information and offers discounts on ‘environmentally friendly’ products and services. Prototype products made from plant-based plastics, and recycled metals and alloys are nearing readiness for launch. The development of a sensory wrist strap made from solar cells that provides information about the local environment and health information and which can interact with Diamond mobiles is also nearing completion, Diamond continues to invest money in other innovative products but will only do so if the products will have a positive impact upon people’s quality of life and a minimal impact upon the environment. (See Appendix 3 )
作为其整体营销战略的钻石已经采取了强硬立场，在有关环境，并积极寻求促
进社会责任和环境可持续性。他们是一个在世界第一手机制造商提供了一个全
面的手机回收计划。他们提供了一个移动应用程序，提供信息和提供环保的产
品和服务的折扣。即将准备推出原型产品由植物基塑料，再生金属和合金。感
官的发展腕带由太阳能电池提供的信息对当地的环境和健康信息，并可以与钻
石手机也接近尾声，钻石将继续投入资金等创新产品，但只能这样做，如果产
品将产生积极的影响后，人们的生活质量和对环境的影响微乎其微。（见附录3）
Expansion into the Chinese Market
China is potentially the largest global telecommunications market. It leads
both the US and India in size and provides Diamond with an unrivalled opportunity to generate growth. There are currently upwards of 750,000,000 mobile subscribers in China with an additional 8,000,000 being added each month. There is still room for massive expansion and projections from market
analysts suggest that a further 600,000,000 subscribers in China will be enlisted within the next five years. Competition is likely to be severe with 43 foreign national manufacturers and network providers already having a
presence in China and a further 25 medium to large firms set to enter the market over the coming 3 years.
中国是潜在的全球最大的电信市场。这导致美国和印度的大小，提供了无与伦比的机会，去创造经济增长的钻石。目前有向上750,000,000中国移动用户，而每月也会添加一个额外的8,000,000。仍有大规模扩张和市场分析师的预测
表明，在中国进一步600,000,000用户在未来五年内将被征集服现役。竞争与全国43家外国制造商和网络运营商已经在中国和另外25个中大型企业进入市场，在未来3年有可能是严重的。
Diamond has joined forces with Siemens and they are working in partnership
in China with Huawei Technologies. The regulatory complexities of operating within the Chinese market make the use of a local partner practically essential and Hauwei is a long established and well respected player in the Chinese telecoms market. Significant cultural differences exist, and a Chinese partnership not only gives access to local knowledge but also provides an air of acceptability that is important when conducting business in China. Huawei’s wealth of experience will also help to ensure that product development and customer service is specifically targeted at meeting the local needs and demands of the Chinese market.
钻石与西门子联手，他们正在与华为在中国的合作伙伴关系。在中国市场经营的监管复杂性，切实必要使用一个本地的合作伙伴，并在中国电信市场Hauwei 是一个历史悠久的和备受尊敬的球员。存在明显的文化差异，与中国的合作伙伴关系不仅给当地的知识，但也提供了一个可接受的空气是非常重要的，在中国开展业务时。华为的丰富经验也将有助于确保产品开发和客户服务是专门针对满足当地的需求和对中国市场的需求。
Through its partnership working agreement with Huawei, Diamond and
Siemens have established manufacturing facilities within China and have
invested almost $200 million to provide a state of the art production facility. The new plant has a capacity not only capable of meeting the demands of the Chinese market, but one which can produce handsets for the global market at significantly lower unit costs than the manufacturing facilities currently used in Europe.
通过与华为的合作协议，钻石和西门子已在中国境内建立了生产设施，并已投资了近2亿美元，提供了一个国家的最先进的生产设施。新工厂有能力不仅能够满足中国市场的需求，但它可以产生显着降低单位成本比目前使用的生产设施在欧洲面向全球市场的手机。
Once agreement is reached with the Chinese Ministry of Telecommunications,
Diamond and Siemens aim to exercise an option to purchase a share in Huawei’s existing network operations, currently the fifth largest in China. They will then look to expand the network and rapidly attract new customers
through offering a range of attractive tariffs and the most up-to-date mobile devices, the strategy will involve offering a first class service but at a lower price than existing networks and other foreign entrants that are in the
process of entering the markets. Both Siemens and Diamond will need to
raise fresh finance if they are to pursue this growth strategy, which is not without its risks.
一旦达成协议，钻石与中国电信部和西门子打算行使选择权，购买一个份额，华为现有的网络运营，目前在中国的第五大。然后，他们将寻求拓展网络，并迅速吸引新的客户，通过提供一系列有吸引力的关税和最最新的移动设备，该战略将涉及提供一流的服务，但在一个较低的价格比现有的网络和其他外国进入，在进入市场的过程中。西门子和钻石都需要筹集新资金，如果他们要追求这种增长战略，这是不是没有风险。
Appendix 1
Partnership Working
In addition to working with a number of electronics companies and network operators, Diamond currently works in partnership with the following industry bodies:
工作伙伴关系
钻石除了一些电子公司和网络运营商合作，目前工作在以下行业机构合作：
3GP: The Third Generation Partnership Project (3GPP) is a worldwide body
which is developing and promoting a common set of standards for the
creation, delivery and playback of multimedia over high-speed wireless
networks.
Bluetooth SIG: The Bluetooth Special Interest Group drives the development
of a wireless specification for connecting digital devices including mobile
phones. Bluetooth is a widely used technology that allows for the exchange of
data between wireless devices,
WiMAX Forum: A non-profit association that works for the deployment of broadband wireless networks based upon a common standard.
W3C: The World Wide Web Consortium (W3C) is tasked with developing
common protocols and data formats that promote the evolution of the World
Wide Web. Organizations join in order to work and exchange ideas with other
members including premier Internet and technology companies.
3GP：第三代合作伙伴计划（3GPP）是一个全球性的机构，开发和推广一套通用的标准，通过高速无线网络的创建，交付和多媒体播放。
蓝牙SIG：蓝牙特别兴趣小组驱动器，用于连接数字设备，包括手机无线规范的发展。蓝牙技术是一种广泛使用的技术，可以让无线设备之间的数据交换，
WiMAX论坛是一个非盈利的协会基于一个共同的标准的宽带无线网络的部署工作。
W3C：万维网联盟（W3C）的任务是制定共同的协议和数据格式，促进万维网的进化。组织参加工作，并与其他成员包括业界领先的网络和技术公司交换意见。
Appendix 2
Business Structure
In 2001 Diamond was reorganized into 7 core business areas as follows: Mobile Devices Division
This division is responsible for the research, development and manufacturing of all mobile devices. It currently produces over 120 models within its portfolio, including devices that use state of the art smart phone technology. Product development requires significant levels of funding and targeted
investment to ensure a supply of new and updated products that will meet customer expectations and help the company retain its market position.
钻石在2001年被改组为7个核心业务领域如下：
移动设备部
这种分工是负责所有的移动设备的研究，开发和制造。目前生产超过120款，在其投资组合中，包括设备使用的最先进的智能手机的技术状态。产品开发需要大量资金和有针对性的投资水平，以确保提供新的和更新的产品，将满足客户的期望，并帮助该公司保持其市场地位。
Networks Division
The division is responsible for the maintenance of existing networks and for the expansion into new markets. They work in partnership with other network providers and make decisions about which devices to offer on the Diamond networks.
Service Development
The rapid advancement of mobile and digital technology in recent years has enabled Diamond to promote the interface between mobile services and web-based services. Common developments in music, maps, media, messaging and retail experience have been driven by consumer needs and wants, and have led to a significant expansion of partnership working with developers and content providers. The service development section is tasked with fostering these partnerships to enhance the customer experience. Customer Care
Diamond offers a huge range of services and packages to provide imaginative, creative and innovative customer solutions. The Customer Care Section is tasked with concept development and creating these solutions and ensuring
that customer expectations are consistently met.
网络部
该部负责对现有网络的维护和扩展到新的市场。他们的工作与其他网络供应商
的伙伴关系，并决定哪些设备提供钻石网络。
服务发展
移动和数字技术在近几年的迅速发展已使钻石推广移动服务之间的接口和基于web的服务。在音乐，地图，媒体，讯息和零售经验，共同发展已带动消费者
的需求和欲望，导致开发商和内容提供商合作的一个显着扩张。服务的发展部
分的任务是促进这些合作伙伴关系，提升客户体验。
客户服务中心
钻石提供了大范围的服务包提供富有想象力，创造性和创新性的客户解决方案。客户服务科负责概念开发和创造这些解决方案，并确保持续满足客户的期望。Marketing
The customer focus of the business is driven by the knowledge and creativity of the marketing department. All brand and marketing activities, sales and distribution activities, supply chain operations and customer interface are effectively directed and managed by this section.
Corporate Opportunity
The coordinating body of the organization links the other sections of the
business and promotes strategic development and growth.
Special Projects
This section requires significant investment and provides the leading-edge technology required for mobile and voice-guided navigation systems, internet based mapping applications, cutting edge web services and other government and corporate solutions. Many of the projects involve targeting niches that
can be highly profitable and can lead to developments that can be used by
the Mobile Devices and Network Divisions.
市场营销
客户的业务重点是由营销部门的知识和创造力。所有品牌和营销活动，销售及
分销业务，供应链运营和客户界面，有效地指导和管理本节。
公司机会
组织协调机构联系的其他部分的业务和促进战略的发展和增长。
特别项目
本条规定的重大投资，提供移动和语音导航系统，基于互联网的应用程序映射，尖端Web服务和其他政府部门和企业解决方案所需的技术领先优势。许多项目
涉及针对利基，可以获取高额利润，可导致可以使用移动设备和网络分部的发展
Appendix 3
Diamond Telecommunications Plc Mission Statement
We promise to help our community stay true to what is important to them. Key values
The customer deserves service excellence
We accept that while we are driven by technology we will always aspire to drive technology
There is a tailor-made solution for each and every customer
The global community is our local market
Technology can safeguard a green new world
钻石电讯有限公司的使命
我们承诺，以帮助我们的社区忠于他们什么是重要的。
关键值
值得客户提供卓越服务
我们接受的是当我们由技术驱动的，我们总是渴望推动技术
有一个为每一位顾客量身定制的解决方案
全球社会是我们的本地市场
技术可以维护一个绿色的新的世界
Diamond is a customer focused organisation. We demand continuous improvement and progression for our stakeholders by engaging our community in global technology and communications. As the global market expands people need to feel the world becoming smaller as communication embraces the web and the need to interact socially and professionally, locally and internationally. Our community needs to be at the forefront of communication and be connected regardless of time, place, preference and economic status. The community will always be connected in new and better ways.
钻石是一种以客户为中心的组织。我们需要不断改进和发展，为我们的利益相关者，让我们的社会在全球技术和通信。随着全球市场的扩张人们需要感觉到拥抱世界变得更小的通信网络和需要社会和专业互动，本地和国际。我们的社会需要通信的前沿和连接，不管时间，地点，喜好和经济状况。社会将永远是新的，更好的方式连接。
Diamond will use the community to develop and enhance our customer focus using social, professional and technological solutions to the questions of each
and every day. With solutions comes service excellence. Excellence promotes community and harmony for our people
钻石，将使用社会发展和加强我们的顾客为关注焦点，使用社会化，专业化和技术解决方案，以每一天的问题。解决方案来提供卓越服务。卓越促进社区和谐，为我们的人民
The mission of Diamond requires that we position ourselves for the needs and demands of the global community. Our solutions and products become one with the wants and life of our customers. Our organizational structure has evolved with our community and its technology and we aim to place ourselves at the forefront of mobile, internet and computer technology, driving the boundaries of customer satisfaction. We exist to build a better world through communication and will strive to make the world a cleaner, greener community driven by facilitating technology.
钻石的使命要求我们将自己定位为全球社会的需求和要求。我们的解决方案和产品将成为我们的客户的需求及生活之一。我们的组织结构演变与我们的社会和技术，我们的目标是将自己在手机，互联网和计算机技术的前沿，推动客户满意度的界限。通过沟通，我们的存在是为了建立一个更美好的世界，将努力使世界成为一个更清洁，更环保的社区驱动的促进技术。
HND大综合1GU1答案
Sectio n1 Questio n 1: Part A Give n the competitive n ature of the mobile telecom muni cati ons market an alyse the likely advantages and disadvantages to Opal of establishing a partnership agreeme nt with ano ther compa ny .12 Adva ntages: Firstly, the part nership agreeme ntsca n provide Opal with tech no logy assista nce」t allows Opal for the joint developme nt of new products and the shari ng of tech no logy. Secon dly, a Chin ese part nership not only gives Opal access to local kno wledge but also provides an air of acceptability that is importa nt whe n con duct ing bus in ess in China. Thirdly, local firms 'ell-reputation and wealth of experience will also help Opal to en sure that product developme nt and customer service is specifically targeted at meet ing the local n eeds and dema nds of the local market. Fourthly, compa nies in part nership can share the costs and reduce the risk. Disadva ntages: As for the disadva ntages, firstly, the own tech no logy of Opal might be leaked because of the shari ng of tech no logy which may result in the loss of Opal' competitive adva ntages. Secon dly, in a part nership with others, the con trol power of Opal compa ny might be distributed because of the con siderati on of other part ners Thirdly, firms need to share the profits and there might be conflicts since those companies are profitable organizations. PART B s be i
HND 大综合 第一部分Planing
1.0 Planning―Action Plan 1.1 Introduction I'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.
HND大综合GU答案
H N D大综合G U答案 文件排版存档编号：[UYTR-OUPT28-KBNTL98-UYNN208]
S e c t i o n 1 Question 1: Part A Given the competitive nature of the mobile telecommunications market analyse the likely advantages and disadvantages to Opal of establishing a partnership agreement with another 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:
HND大综合1答案
1.有关的知识: product line; product items; product positioning; product life cycle; 可能的优势：coherent连贯grouping of products within one market (drinks)---can help to gain economies of scale in promotion and operations, build managerial expertise etc; Targeted at a number of different markets(eg orangina, Tizer); range of different product lines and items—some have a very clear identity (eg Irn-Bru) 缺点：many are at the mature stage of the product life cycle; soft drinks is a rapidly changing market and new brands may be important (Barr’s may be finding it hard to develop new brands—its own brands are well-established and its franchises are in a static market(Orangina), or not well-know in the UK(Lipton Ice Tea). Part(b) 有关的知识：Price elasticity of demand; promotional methods; product life cycle; market research. Price elasticity may influence Barr’s in that it can lead to attempts to enhance brand loyalty so that price elasticity is reduced which, in turn, curtail the impact on sales of a change in price. There are many examples in the case study of attempts to develop brand loyalty, eg Irn-Bru, Tizer 2. Relevant concepts: systems approach; stakeholders; government economic policy; users of financial information. Answers should use examples to show how Barr’s has reacted to feedback from its environment and how it has tried to influence it. Answers should analyse the process by which Barr’s interacts in each case. Possible example include: use of government. Assistance when entering the Russian market(and discussion of market failure); threats to or angina franchise; changing promotional methods to make use of the internet; currency fluctuations and the knock-on effects; ASA and possible public reaction to Barr’s . Answers which consist of a series of examples with no analysis should get a maximum of seven marks. 3. （a）Relevant concepts: stakeholder; purpose of financial information; management control; organizational goals; objectives and policy; demand. Fidelity buys shares so that the dividends from them can be distributed to holders of its units. The information which it needs will depend on its organizational goals, eg: the degree of risk it is willing to take. These are not given so it is not easy to say which information will be valuable. Howeven, it may include: franchise agreements (eg when they start and end as this may influence Barr’s earnings); ASA adjudications which may affect the demand for Barr’s products; investments in new machinery(influence extent to which Barr’s is competitive); promotional campaigns(influence demand for product); dividends(because this will influence earning that it gets and how much it can pay its unit holders). Provide a reasoned argument which explains the link between the information and its value to Fidelity. （b）Relevant concepts: Stakeholder; strategies of control; organizational goals, objectives and policy; formal organization; users of financial information; purposes of information ; sources of relevant information. Answers should make it clear which item of information has been chosen, eg profit after tax. For fidelity, this could be used to monitor whether it has invested in terms of its objectives(eg these may relate to companies which have stable earnings), whether it has a suitable share profile across several companies; whether previous share purchasing decisions should be reviewed. Barr’s could use it to monitor the year on year progress of the company, to monitor the effectiveness of its profit sharing scheme. A reasoned argument which explains the link between the item information and control in the two companies. 4.Relevant concepts: market demand; internal and external environment; goals; purpose and analysis of financial statements; sources of finance; product mix marketing mix; product life cycle;
HND金融大综合
HND金融大综合 2.1 The demands of these consumer can divide into savings, mortgage needs and protection needs. 2.11 The demands of savings. The cost of daily life, the cost of three children, the crowd of high income, The surplus income need to save. 2.12 The demands of protection needs. Flynn has an outstanding mortgage of ￡450,000, and this couple has recently decided to build an extension to their home at a cost of ￡300,000. The demands of protection needs. 2.13 The adults is more old than yesterday, and the state of health of them we all do not know. They all need some help to get guarantee to ensure their cause. The children of Janet need a good environment to grow. And their family should protect their property. 2.2~2.3 ◆ The cost of daily life. Every family all need this for spending. If there is not a particular plan, this family will be faced with many problem. So the current account is the best choose. ◆ The education cost of Flynn’s three children. All parents want to their children have a perfect childhood to the benefit of their future. So have a whole educat ion is necessary. So a good family affirm draw up a plan for their child ab ovo. We need to choose educational endowment. ◆ Janet work as Alexander’s personal assistant. As his assistant she is paid a salary of ￡550,000 per annum. So he is belong to the human of high income. They also need to rate payment very much. But we can take steps of avoid the tax, and find the product of tax exemption. So the fixed interest savings certificates is best fit for us. ◆Like the high income crowd. Then have a large of money can not use. So the last money we will save it. The best way is save it in fixed deposit. Fixed deposit is our good choice. ◆ Flynn has an outstanding mortgage of ￡450,000 on the property. And the loan of he has loss occurrence. So the best way perhaps change it to capital and interest mortgage. Because it can reduce the lose. ◆ Flynn has recently decided to build an extension to their home at a cost of ￡300.000. But he does not have mortgage to get loan. So he only to get it by himself. ◆ When the adults grow older. Everyone all want have a guarantee for themselves. Even if has an accident in the future. But can not get so much attack. So they need to buy the insurance of term insurance. ◆ Ditto. When the adults grow older. The health of themselves is more and more to hard to know. And their body can not get some serious attack. So they are better to buy the insurance of accident insurance. ◆ No matter what man or women. They have the cause of themselves. So they also need to buy the insurance of enterprise insurance. ◆ The three children of Janet. They are young. So they need a guarantee for their growth life. Prevent happen something we don not want. The accident insurance is very good. Because the children are very naughty. ◆ Every family has their own economy. And must protect their income to hold the cost of everything. I think the property insurance is the obbligato for every family. 2.4 ☆Alliance Leicester plc Alliance Leicester plc(LSE:AL) is a British bank, formerly a building society. It was formed in 1997 by the flotation of the former Alliance Leicester Building Society on the London Stock Exchange. It is listed on the FTSE 100. its headquarters are in Carlton Park, a business park in Nar borough, south of Leicester in England. ☆HSBC Headquartered in London, HSBC is one of the largest banking and financial services organizations’ in the world. HSBC's international network comprises around 7,500 offices in 87 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. ☆Banco Santander Santander holds a unique position in international banking, with a solid base of recurrent retail commercial banking and a high degree of geographical diversification, which guarantees its future. Continental Europe, where the main commercial units are the Santander and Banesto Networks in Spain, Santander Totta in Portugal and Santander Consumer Finance, which has consumer finance operations in 19 countries. ☆ Lloyds TSB Black Horse is
HND 大综合
HND 大综合 1．(a) Why BAA argued for two additional runways in Scotland?8 In Scotland, two additional runways will take the profit maximum for BAA’s airport which is the maximum profit we will get in nowadays. BAA plans mean it will spend more than 2 million every day on airport infrastructure. They pay much money in the construction and facilities in the airport. So BAA need to gain the more revenue and profit to off set the heavy capital expenditure. According to BAA’s nature of business module, they have a highly fixed cost and lower variable cost. So they hope fully use their operational potential which gain more profit. Additional runway takes more airlines and passengers to BAA. Under the circumstances, BAA need to gain more revenue to offset the highly fixed cost to achieve better financial performance. Two additional runways will improve BAA’s future competition competence in Scotland. If they can argue more runways, it will help them to increase the operational ability and to attract more airways use our services. As a result, it will bring more business to our company. According to 2003 white paper, airport expansion and the future development of the aviation industry in the UK over the next 30 years. The BAA gains more additional operational ability will help us catch the opportunity to grow up in future.
HND大综合
1.Planning—Action Plan Likely resources to be used I 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. Strategy for carrying out report Product 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 customers How the project will be managed
HND大综合1GU1答案
Section1 Question 1: Part A Given the competitive nature of the mobile telecommunications market analyse the likely advantagesand disadvantagesto Opal of establishinga partnership agreement with another company.12 Advantages: 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 a partnership 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 B Identify and justify possible options the senior management may have which will enable Opal to maintain its current levels of success and profitability. 8 Firstly, 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 n
HND 大综合2 planning
Contents Personal 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 skills I 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 project The title of my report is Hazeline in China-- investigation on the marketing strategy of Hazeline. Objectives of the project When 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.