HND 大二 金融,大综合 第一部分
Communication: Analyzing and Presenting Complex Communication
DE3N 34
Outcome 1
Candidate Name: Fan Juntian
Grade and Class: F2
Table of Contents
I. Planning--Action Plan
1.1 Likely resources to be used (1)
1.2 Strategy for carrying out report (1)
1.3 How the project will be managed ......................................................................
1.4 Timescales for project ........................................................................................
1.5 Sources of information ....................................................................................... Ⅱ. Developing—Case Study Report
2.1 Key factors in case study ...................................................................................
2.2 Likely financial needs of the clients ..................................................................
2.2.1 Saving .........................................................................................................
2.2.2 Mortgage needs ...........................................................................................
2.2.3 Protection needs ..........................................................................................
2.3 Suggestions for improvements ...........................................................................
2.4 Likely providers and Relevant product and services .........................................
2.5 Benefit-needs analysis .......................................................................................
2.6 Comparison among providers ............................................................................
2.7 Effect on tax position .........................................................................................
2.8 Justification for selections .................................................................................. Ⅲ. Evolution
3.1 Criteria for Evaluation .......................................................................................
3.2 Change made during project compared to original action plan .........................
3.3 Effectiveness of process .....................................................................................
I. Planning--Action Plan
1.1 Likely resources to be used
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1.2 Strategy for carrying out report
British average annual wage of ￡ 5500 a year, Flynn's ￡ 42 million belonging to high income success in the UK, but in Alexander's third son, ready to go to school, the other son of a tuition fee of ￡ 3,000 plus three son, ￡ 9000 per year tuition fees, the family spent more and more high.
For this family, Flynn, bought a ￡ 1.25 million home in the UK, is a very luxurious house, so there is ￡ 450000, the outstanding housing loans, but Flynn is also preparing to expand their homes. ￡300,000 financial burden, in some respects, it will be too much trouble. Not long ago, the insurance company informed Mr. Flynn, to reduce his investment income, from another perspective, the monthly household spending will become a little more, because the profits earned, spend too much change, so it is worth I suggest Bank some of the ways of the fixed-rate time deposits, interest rates, reducing Flynn, economic pressure, which may also need to
Mr. Flynn 's wife and most of the British, but Flynn, the annual salary income of ￡ 420,000 wealthiest people in the UK operators, saving time, because a lot of money tax, so he should be in savings select some well-known banks ISA products , to avoid excessive tax
Flynn to create today's enterprises, unemployed for two years before, no income, funds created from the company to rely on the Government's compensation payments, bank loans, Flynn, a long repayment experience and process in the previous bank loans, housing loans, Flynn, the need to maintain a stable job and income, to ensure the running of the family's financial expenditure, the recommendations of the insurance company unemployment insurance, income protection insurance. Flynn 's three sons, the children's health insurance is very recommendable
Flynn 's annual salary, up to 420,000 pounds, but he is still in the ￡ 450,000 bank loan of ￡ 450,000 Mr. Flynn is not a lot, but if a one-time pay off the loan, the flow of investment capital will be reduced, so the bank's long-term installment loan. Recommended that monthly little money, which can reduce the economic pressure of Mr. Alexander.
1.3 How the project will be managed Ⅰ.
Ⅱ.
Ⅳ.
1.4 Timescales for project
1.5 Sources of information
Primary data or raw data refers to the enterprises for the first time in person to collect and scripted processing of the data, raw data is usually collected by the researchers for the immediate problem for this particular purpose. Primary data can answer the secondary data can not answer specific questions, and more timely and credible at the same time the company's own collection, belonging to the company, so easy to confidentiality
The secondary data is for certain purposes, rather than the issues at hand collected data. Including the information provided by commercial and government agencies, marketing research firms and computer databases. Secondary data can provide economic, quick background information. The secondary data will help to quickly solve the problems faced by researchers, can save time and reduce costs at the same time help to regulate the expression in the form specified in the survey methodology, and other data needed to solve the problem, can also help researchers learn how to go close to the object of research to understand the research object position in the market which, as a basis for comparison with other data
HND大综合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.