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HND大综合GU答案.docx

S e c t i o n1 Question 1:

Part A

Given the competitive nature of the mobile telecommunications the likely advantages and disadvantages to Opal of partnership agreement with another company.12

market analyse establishing a

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 t he 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 B

Identify and justify possible options the senior management may have which

will enable Opal to maintain its current levels of success and profitability.

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 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,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 2

PART A

Assess the strengths and weaknesses of Opal as they seek to expanding in

the coming years. 12

Strengths

Firstly,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 phones

to 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.

Weaknesses

Firstly, 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 B

Choose 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-on customer service focused organization.Enterprise's core value is to focus 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.

Question1

PART A

Evaluate possible sources of finance that Gold could access as it seeks to

expand its business operations.

Firstly,issuing shares are a financing way that O pal 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 t o 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.

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。

Identify ONE item of information which both a shareholder and any of the

organisations Gold works with within the Chinese market, could use as a

measure to monitor the effectiveness of the organisation.

The turnover, profit, costs, dividend and earnings per share could reflect

the effectiveness of a company. As for Opal, it has invested a lot in the

high research and development and the need for highly specialized production facilities costs a lot too. Meanwhile, the downward pressure on prices has

led to lower profit margins and a reduced rate of growth in turnover.Except for that, the dividends directly affect on the shareholders’ benefits, it determines the repayments of investment and whether the investors are willing continue to invest or not. The dividend and earnings per share of Opal is

increasing which means it is attracting more potential shareholders to invest in Opal and the existing shareholders to invest more, and it is essential

for the finance and the expansion of Opal.

Explain the possible effects that the expansion into the Chinese market could have upon the profitability of the business.

Firstly, in the long run,the profitability of Diamond would increase. Because China is potentially the largest global telecommunications market,

and it provides Diamond with an unrivalled opportunity to generate growth.

The size of China’s population is huge, and there are room remains for

massive expansion.

Secondly, in the short-term, the profitability of Diamond would not grow

rapidly.China is an emerging market, the 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. Diamond needs to invest a number of money

in to the new market, and the costs cannot be taken back in the short-term.

Thirdly,the profitability of Diamond would not grow rapidly in the short-term because in order to enter the new market, Diamond may facing the

big funding gap, and it would cost a lot to finance the needed capital.

Fourthly, the profitability would not grow rapidly in the short-term because of the low-price competition. In order to gain a larger market share and

coverage, and survive in the intense competition,Diamond may choose to lower

the price at the beginning of entering the Chinese market.

Question 2

PART A

Explain any changes to the policies of governments that may support the

market progression and expansion of Opal. 8

As the ‘night - watch man’, the government should not directly intervene the market operation, so it should provide further deregulation for companies.

Except for this, government should supervise the market and regulate the

economic activities to provide companies like Opal with a stable and peaceful environment.Besides, government can provide Opal with more financial sources or support and implement some reward investment to facilitate the

expansion of Opal. And Opal needs to make more trade agreements with other countries ’ government.

PART B

Analyse the main factors that will affect demand for the products of Opal.6 Firstly, the price has an inverse relationship with demand, the higher the

price, the less people will choose the product. The downward pressure on

prices might lead to more demand of Opal’s products.

Secondly, the technology is of great importance, and Opal identified the

market trends and then uses the latest technological developments to customer needs, by doing so, more customers will be attracted and the will increase.satisfy demand

Thirdly, the purchasing power of people will directly affect the demand,

since Opal is cutting the prices, more people will be able to afford the costs of Opal’s products, the demand will increase.

PART C

Describe actions that Opal could take to stimulate demand for their products within the Chinese market. 6

Firstly, cutting prices can attract more subscribers and make Opal more

competitive.Secondly, cooperate with the local well-known firms can establish the recognition of the brand.

Thirdly,demand can be improved by advertising and other promotional activities.

Fourthly, Opal can share the resources with other companies to enhance the competitiveness of the whole industry.

Fifthly, Siemens,cooperate

can attract

with the international

and share their

companies,

loyal customers

such

and

as Nokia

enhance

and

the

international reputation.

Last but not least, Opal needs to develop the technology and provide consumers with the new and up-date products with more functions.

Question 3

PART A

Analyse possible opportunities the marketing department may have, to develop each of the four elements of the marketing mix. 12

Product, price, promotion and price are the four elements of the marketing

mix.

As for products,firstly,Opal can concentrate on the development of environment friendly mobile phones,devices and relevant mobile phone applications since it is the characteristic of its products.Secondly,Opal may be able to continue invest in ‘Smartphone’ or intelligent technology.

It currently produces over 120 models within its portfolio,including devices that use state of the art smart phone technology. Lastly, Opal can develop

4G technology. Opal is working with a number of electronics companies and

network operators.Based on 3G technology,Opal can develop the 4G technology under their technological assistances.

As for the price, firstly, Opal has the unit cost advantage for low-price

based strategy. Opal can cut prices of products since the costs are lower

the new plant of the art production facility can produce handsets for the

global market at significantly lower unit costs. Secondly, Opal can charge

their network customers for the WAPusage, texting and calling since the value for money services have been provided. In addition, Opal can use targeted

pricing for the emerging markets. The cooperation with Huawei helps Opal to ensure its pricing method can be specifically targeted at meeting the local needs and demands of the Chinese market.

As for promotion, targeted promotional activities, Push and Pull Strategy,

the word of mouth promotion and on-line and off-line promotion can be used

by Opal. Cutting price is an effective way for sales promotion since the costs are lower.Opal can choose personal selling to specifically introduce their products and services one by one. The word of mouth promotion is also suitable for Opal,given its strong stance in relation to the environment and its good reputation for their sense of responsibility and the quality of goods and

services.On-line or off-line advertise and support for programs for public goods can help Opal to improve its recognition and reputation among consumers.

Fourthly, after the reorganization,Opal has established a marketing section to regulate the distribution activities and supply chain operations. The

development and management of the supply chain enable Opal to manufacture

in developing country and sell in developed country which can help to generate more profits. And with the development of E-commerce, Opal may be able to

enter into partnership agreements with E-commerce retailers to achieve direct sales to final users.

PART B

Assess?different?market?research?techniques?that?Gold?could?utilise?in?

order?to?maintain?its?customer?focus.?

Gold might use quantitative and qualitative research to get the market information and use them to identify and maintain its customer focus.

Qualitative research concerns the gathering of information which can be

interpreted in a number of ways; it can be used to analyze opinion, beliefs

and attitudes of individuals.The main qualitative research techniques used are: focus group interviews, depth interviews, observational research and

projective research.

However, the quantitative research on the other hand seeks to establish

statistical information about the subject matter. This type of research tends to require a larger amount of research to be under taken in order to be deemed as valid.The main research techniques include:experimental research, telephone surveys, internet surveys, postal surveys and so on.

In this case study, the qualitative research that the Gold can use is focus

group interviews. Gold can select a set of people who are brought together

to test and evaluate its concept, product or service. It can produce a great deal of information. In view of the Gold has a constant flow of new product development, these can be used into new product development and problems settlement. It can let Gold know whether customers like the new products is

convenient or not, what new function do they like, what should be focused

on, or what can be improved.

In the early, the quantitative research that the Gold might use is postal

surveys, and now may be the internet surveys or questionnaire. Internet

surveys offers Gold an approach to sample a broader audience at a lower cost, as Gold is planning for an expansion, they can use internet surveys to know

what kind of services and products customers prefer.Besides,the questionnaire is a quick, cheap and reasonably effective means of collecting statistical information or of gauging attitudes or opinions, Gold can use

them to get more suggestions or statistical information about their products or services to anticipate and meet customers ’ needs and maintain the customer focus.

Question 4

PART A

Identify the main stakeholders of Opal and discuss their interests and

influence. 12

Firstly, the employees may interest in the payments, the working conditions and the expansion plan and rewards and punish regulation of the company. And their working efficiency and performance directly affect the company

performance and development, and then the sales and finance.

Secondly, the shareholders are the owners of the company, and they focus on

the dividends and profits.And their investment is the basis of the establishment and development of the company, so they have the voting right which means they have the decision making right and that will influence the

direction and development of the company.

Thirdly,the government will pay attention to the company’s economic activities and whether they have abided by the laws and regulations. Meanwhile, the government’s policies and regulations would encourage or restrain the development or expansion of Opal.Like the deregulation enabled Opal to capitalize on a number of opportunities, and the reduction of taxes

rate may reduce the costs and increase the profits of Opal.

Most importantly, the consumers concern the quality,price and value of the products and services. As the center of the operation of Opal, consumers

’choices and feedback may have great impacts on the sales, decision-making,

and even the survival of Opal. In this case, Opal has pay attention to the

customer experience, and the service development section and customer care

department were established to enhance the customer experience and to ensure that customer expectations are consistently met.

Lastly, the cooperators like Siemens, Nokia and Huawei may pay attention to Opal’s sales, market share and technology development, because those factors can provide them with the sharing of information and technology and stronger competitiveness against other companies.Meanwhile,those cooperators not only gives access to local knowledge but also provides an

air of acceptability to Opal, and their wealth of experience will also help

to ensure that product development and customer services is specifically

targeted at meeting the local needs and demands.

PART B

Given the challenging environment in which Opal operates, explain how the

effectiveness of managerial performance could be measured and assess the

value of each measure.8

Firstly, the primary goals and objects are of great importance to Opal,

because it can directly shows the management performance and efficiency of

the company, and it would affect the investor’s confidence.Opal can compare the actual conditions with the original goals to evaluate the operation

performance.

Secondly, the customer feedbacks are valuable. They are on behalf of the

customers ’ loyalty and attitudes towards the products and services. As a

result of word of mouth, their positive feedback can create new demand and

determine the new market direction.Opal can know the advantages and defects of their products and services according to customers ’feedback,and figure out the direction of its expansion.

Thirdly, the productivity is important to Opal because it determines its

capability of satisfying the market demand. Opal can evaluate productivity by comparing its actual production number with the planned

its goals

to see whether the goals are met.

Fourthly, the profitability can stand for the efficiency and it directly

affects the investor’s confidence, because it represents the company’s value and prospect in the market. As the Appendix 4 shows, the dividend is

increasing which means the operation performance of Opal is well and more

potential and existing shareholders might be attracted.

Lastly, the market share shows the market coverage of Opal. It represents

the competitiveness of the company in the whole market. The larger the market share, the stronger the Opal is. So it can be used to evaluate Opal

operation performance.

’s

HND商务文化与策略

H N D商务文化与策略 Company number【1089WT-1898YT-1W8CB-9UUT-92108】

Assessment task 1 Outcome covered All outcomes (1-5) Section 1: (a). The PESTEL analysis heading are a framework in which environmental influence are categorized into six main types: political, economic, socio-cultural, technological, environmental and legal. 1.P: political forces, as the political arena has a huge influence upon the regulation of business and the spending of consumers and other businesses. The political is including government stability, taxation policy, social welfare policies and the trade regulations. In our case of J D Wetherspoon plc, the Monopolies and Mergers Commission take a ruling about broken the ‘tied house’ system, this ruling limited the brewer selling the beer and brewing the beer at same time. And the government pays attention for the disadvantage. 2. E: economic forces, as the state of a trading economy in the short-term and long-term influence the wealth of a population. The economic is including interest rates,

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商务文化与策略 outcome3

a. Strategy is getting it right and doing it right. It is very important to organizations. Choosing strategy is direct effect organization’s development and future. And every strategy have advantages and disadvantages, so in the different complex situation, we can adopt different strategies to solve problems. Now I will choose four possible strategies which the organizations may adopt. The first is cost leadership strategy. Cost leadership is the low-cost leader in any market gains competitive advantage from being able to produce at the lowest cost. Company can use low cost strategy defeat the competitors among the marketing environment. The second is differentiation. A competitive strategy that allows a company to sell its products for a premium price. This emphasizes creating superior products, products with unique or more desirable features or design. The third is focus strategy. The generic strategy of focus rests on the choice of a narrow competitive scope within an industry. The focuser selects a segment or group of segments in the industry and tailors its strategy to serving them to the exclusion of others. The focus strategy has two variants. One is in cost focus a firm seeks a cost advantage in its target segment, the other is in differentiation focus a firm seeks differentiation in its target segment. The fourth is diversification. This is where we market completely new products to new customers. There are two types of diversification, namely related and unrelated diversification. Related diversification means that we remain in a market or industry with which we are familiar. b. During the 1980s and 1990s, JD Wetherspoon used broad differentiation strategy. Compare other pubs; JD Wetherspoon is special and different. They sell a wide range o f real ale beers at relatively low price; good quality wine is available; they don’t play music or TV programmers; especially the non-smoking and toilet design. Because its clean comfortable atmosphere and low price high quality products, it bring some benefits to JD Wetherspoon. They provide good services, such as cheap beer, good conversation and solid

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]

HND商务文化与策略

Strategy and Culture in J D Wetherspoon Section 1: External environment (a). The PESTEL analysis heading are a framework in which environmental influence are categorized into six main types: political, economic, socio-cultural, technological,, environmental and legal. 1.P: political forces, as the political arena has a huge influence upon the regulation of business and the spending of consumers and other businesses. The political is including government stability, taxation policy, social welfare policies and the trade regulations. In our case of J D Wetherspoon plc, the Monopolies and Mergers Commission take a ruling about broken the ‘tied house’ system, this ruling limited the brewer selling the beer and brewing the beer at same time. And the government pays attention for the disadvantage. 2. E: economic forces, as the state of a trading economy in the short-term and long-term influence the wealth of a population. The economic is including interest rates, inflation, and disposable income and product seasonality and so on. About the J D Wetherspoon plc, in the start of twenty first century, J D Wetherspoon was facing much more competition. The retail licensing marking had adapted to the changes in the ‘tied house’ system and other retail pub chains like Regent Inns and Punch Taverns had been developing their businesses. And the supermarket began selling drinks also have influence on the company. 3.S: socio-cultural forces. Such as religion and demographics impact upon product design and spending by consumers. It includes lifestyle trends, education level, population demographics and social responsbility In the case, people more and more carefully to take attention on their health, so they began to reduce the wine drinking. Then J D Wetherspon plc develops a kind of low ethanol wine. 4.T: technological forces, such as information technology influences production methods, and transportation influences market penetration and product costs. It will include speed of introduction of new technologies, innovations/developments and consumer buying options and so on. In the case, with the technological develop; the beer can be bottled and selling in the market. Because of this, people aren’t need to drink beer only in the pubs. This can decrease the sell share of the J D Wetherspoon. 5.L: legal forces, such as product safety influences design, and trading practices influence how businesses conduct themselves in the market. It may include like employment law, healthy and safety, company law and consumer protection and so on. In the case, the government issued policies to limit the wine drinking, and the Monopolies and Mergers Commission take a ruling about broken the ‘tied house’

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商务文化策略问题详解

Introduction The Company was founded in 1979 by Tim Martin who opened his first J D Wetherspoons pub and become well-known organization in UK which offers cheap beer, good conversation and solid architecture., 'Marler's Bar', at Colney Hatch Lane in London. Many of the other early J D Wetherspoons pubs were also in the same part of Haringey. Martin took the name of the chain J D Wetherspoons from an old schoolteacher. And J D Wetherspoons became a plc in 1992 at which time it consisted of a chain of 44 pubs. Discussion: Section 1: External environment Question 1: Give examples of social, technological, economic, political and legal factors which have affected the way it has behaved. ?social factors： The value of market: Research estimates that the UK beer Market is the main Beverages market which was worth ￡ 52.62bn at retail selling prices (rsp) in 2007. In comparison, the U.K's soft drink market is estimated at having a market worth of only 13 billion. (51lunwen., 2008) Pub culture: Social life in the UK for a high percentage of the population revolves around a public house; often a community will have a "local" pu b that will form a natural hub for the inhabitants of its immediate area. More often than not there will be organised events several times a month ranging from a pub quiz to a full blown excursion. Quite often the public house will have sports teams, usually playing traditional pub games such as pool and darts; these team will most times enter into some sort of league on a local level although some sports have nationwide pub leagues. (Buck, 2008) ?Political factors: Promotion policies set by government: These include specific regulation of “Tax Rate Reduction”, the promotion style of the pub as a vital part of Britain's leisure industry and

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