Second, how to distribute new products In order to make new products stand out in the highly competitive market, enterprises often place special emphasis on the market distribution rate of their products. Under the influence of market distribution, sales indicators and assessment, the sales staff of the company are proud to see their products everywhere for a time, but they don't know that blind distribution will cause great capital precipitation to the enterprise, and bad debts will increase. Therefore, the distribution of new products must be integrated with the situation of market salesmen, distributors, products, promotion and market. Well-trained salespeople are the key to effective distribution. Effective commodity distribution should be carried out by "skilled (salespeople)", who are quite familiar with the situation of retail outlets and direct sales outlets in the market. The requirements of "mastery" are: having certain market operation experience, knowing the credit status, sales situation, financial strength and source of customers, relevant managers and habits, and even whether there is a record of breach of contract. If the marketing personnel in this area are novices, they must consult with wholesalers, direct sellers or sales personnel who are familiar with enterprises in related fields in this area before delivering goods. Marketers can use "several times", "cashing in profits" and signing "supply contracts" to distribute goods for uncertain dealers, so don't rush for success. Careful market research is an important prerequisite for targeted sales of goods. Direct sales outlets or retail outlets with good business have harsh purchase conditions. You can first observe their purchase channels and understand the reasons why their dealers supply them. If there is a problem with the reputation of dealers, which takes up a lot of funds from other enterprises, but procurement is still very important, you can enter through dealers of other enterprises as a carrier to reduce the risk of funds; Instead, consider going directly into new products. Salespeople should be especially wary of dealers who don't bargain for your products from beginning to end, but don't care about the return of new products. Sometimes, looking for a number of agents to introduce the competition consciousness, consciously let them know some competition insider, and give more examples of successful distribution, which forms a kind of pressure and motivation for dealers, which is also a common distribution method for business people, thus turning the passive situation into active control. At the beginning of new products entering the market, promotion will become the most direct means of realizing cash. Taking the relationship between product promotion and distribution in liquor market as an example, it can be summarized as the following three situations: 3. How to dispel consumers' worries and let them try new products? How to let consumers try out the new products of enterprises is a problem that enterprises should consider before putting them on the market. Many enterprises usually promote new products by letting consumers taste and use them for free, but the workload is too heavy, and sometimes "free use or taste" and "guaranteed return and replacement" will bring irreparable losses to enterprises. In order to reduce costs and let consumers try new products smoothly, only by understanding consumers' concerns about new products from different angles and making new products as perfect as possible can consumers be guided to consume in a targeted manner. Consumers' attention to new products is often based on old products, or they are dissatisfied with some performances (or functions) of old products, and they don't know whether new products can be improved; Or doubt whether the new performance (or function) of the new product is really as good as the promoter says. In the case of similar product performance or function, consumers will try new products from the perspective of quality and affordability. At this time, although the new products of the enterprise cannot satisfy all consumers,
How to make money by changing hands on acceptance bills? (for example, make it easy to understand)
1, an acceptance bill is a bill that promises to be cashed at a future date. This is a deferred payment method. Consciousness is that I promise to give you money, but not now, but in the future, 1 month or after March, you can take this ticket and go to the bank to withdraw money after it expires.
Some people will buy back the acceptance bill at a low price (borrow money to buy it), and then transfer the money to their account according to the fare after it expires. For example, if you sell 90,000 goods and the other party draws a monthly acceptance bill of 90,000, I will immediately borrow money to buy your ticket with 85,000 yuan, which will expire in one month, and then I will transfer 90,000 yuan from the ticket to my account, and I will earn 5,000 yuan.
3. With hundreds of thousands of coupons, you can make a lot of money.
Some people make a profit by buying and selling bank acceptance bills. What kind of profit is this? Please give an example.
1, the most basic profit is that the bank's cash interest is higher than the basic deposit interest.
2. Use different settlement methods, for example, your unit sales can receive cash, payment is acceptable, and the discount price difference is used to make a profit.
Are there any cases of bank financing losing money?
Bank financing is risky. According to the risk level assessed by the bank, it can be divided into capital preservation type and non-capital preservation type. At present, I haven't seen any case of non-principal loss in my financial management, but when I read the news on the Internet, I found that some funds could not be recovered in time (never encountered in reality).
It is said that the smartest and richest people use other people's money to make money. How to do this? Are there any examples?
For example, in a bank, you deposit 1. 1 10,000 years, the bank gives you 350 yuan, and the bank lends money to the developer 1. 1 10,000 years. what do you think?
Classic money-making ideas teach you how to start a white wolf empty-handed! ?
How can a white wolf start a business with empty gloves? Zhuge Liang readily promised. It is impossible to make 65438+ ten thousand arrows in three days. But why did Zhuge Liang agree again? Zhuge Liang has his own way. The classic idea of making money was to build 654.38 million arrows at that time, that is, there was money and material, and time was too late. What are we going to do? We can borrow it if we can't build it! Borrow it from who? Of course, only Cao Cao. Will Cao Cao borrow it? Will he lend you an arrow to shoot him? There are always more ways than difficulties. Nothing is impossible, only unexpected. Zhuge Liang thought of it. How did he borrow it from Cao Cao? On a foggy morning, Zhuge Liang sent thousands of wooden boats to fight Qian Fan in full swing. These boats are full of straw. The boat sailed to the middle of the river, beating gongs and drums, and firecrackers exploded in unison, killing the sky and pretending to attack Cao Cao. How can a white wolf start a business with empty gloves? When Cao Cao stood on the wall, he saw many ships coming towards him vaguely on the river. Cao Cao thought that Zhou Yu really wanted to attack the city, so he ordered all archers to shoot arrows at once, and the arrows hit the straw of the ship one by one. Classic idea of making money. In less than an hour, Zhuge Liang returned to China with a full load and received 65,438+10,000 arrows from Cao Cao. This is the famous story of "the grass boat borrows an arrow" in history. Tell a foreign story. The British Library is a world-famous library with a rich collection of books. How can a white wolf start a business with empty gloves? Once, the library had to move, that is, from the old library to the new library. As a result, the handling fee is several million, and there is no such money at all. What shall we do? An expert gave the curator an idea. As a result, it took only a few thousand dollars to solve the problem. The library put an advertisement in the newspaper: From now on, every citizen can borrow 10 books from the British Library for free. The classic idea of making money has led many citizens to flock to the library and borrow all the books in a few days. The book is out, how can I return it? Everybody back to the new building. In this way, the library borrowed everyone's strength to move once. From these two cases, we can appreciate the charm of taking advantage of the situation Therefore, a foreign word has a vast world and is promising. What if you have no money to start a business? The classic idea of making money, it doesn't matter, you can borrow it from relatives and friends, you can borrow it from banks and bosses. Without technology, talent and experience, what should we do? The classic idea of making money, it doesn't matter, you can borrow it from scientific research institutions and universities; You can use other people's brains and wisdom to our advantage, and you can form an alliance and cooperate with them. Entrepreneurship, obscurity, no fame? Classic idea of making money, it doesn't matter, you can use the brand name and celebrity spirit to promote your good name. I can also borrow labor, venues, equipment and fame for my use. How can a white wolf start a business with empty gloves? In short, a loan word has a vast world and great achievements. How to start a business with empty gloves and white wolves! ? Classic idea of making money 1, how to borrow money when starting a business without capital? When it comes to borrowing money, some people are afraid. Afraid of what? Fear of paying interest, fear of compensation, fear of repayment. How can a white wolf start a business with empty gloves? Someone said, "I borrowed money from others. I can't eat well and can't sleep. It's very sad to keep it in my heart all day." The classic idea of making money is that a person must dare to borrow money if he wants to start a business and develop. There is a saying in the shopping mall: people who spend money will spend other people's money; It won't cost money. Spend your own money. Ma Shengli, a famous industrialist, once said: As long as I can borrow money to make money, I dare to borrow money from Laozi. How can a white wolf start a business with empty gloves? A friend said: I also know that entrepreneurship has no capital to borrow, but I can't borrow it. I don't know who to borrow it from and how to borrow it. How to borrow money? (1) There is a saying.
Have you ever paid in advance and then made money?
Don't pay in advance, it's not safe, the platform is ok, and the people who directly let you do the task are liars.
A small case in which smiling can make money
I have
How can banks develop without cash business?
Modern banks and traditional banks have undergone fundamental changes, with cash business gradually decreasing and electronic banking business developing rapidly.
In fact, the cash business is not profitable. Banks assess the rate of counter business leaving Taiwan, that is, the less cash business, the better, and the cost will be reduced.
The business direction of banks is also changing, with international business, wealth management business, agency business and bill business as the highlights.
In recent years, there are 200 real cases of enterprises or banks with distinctive cash management. Want data. 120 point
Cash Management Case: A Roadmap of Capital Utilization of Angang Bank
Angang: the road map of bank capital utilization
In the control room, several sophisticated computers detect the operation of the blast furnace, and the beating of the blast furnace flame can be clearly seen on the screen, but in the whole factory area, there is not a trace of smoke and dust, nor can the roar of the machine be heard.
This is the Bayuquan project newly built by Angang in Yingkou last September. On June 4th, when the reporter stepped into the new factory area of Bayuquan after the interview in the traditional factory area of Angang, he felt the great difference from ordinary steel mills. The Bayuquan project of Angang adopted the most advanced steel production technology, technology and equipment in the world. Wu Di, the person in charge of the project, told the reporter that this most modern factory mainly produces high-end steel products such as ship plates, automobile plates and construction steel, and it has strong competitiveness in the market. Even when the industry was in the worst recession last year, it still achieved good sales results. "After two months of production, the production of Bayuquan Factory has been very stable."
Liu Shen, Minister of Finance of Anshan Iron and Steel Group, believes that the bank's credit funds have contributed to the completion and commissioning of the technical transformation project of Bayuquan in Anshan Iron and Steel Group. Like all high-tech projects in China, the Bayuquan project of Anshan Iron and Steel Company has high hopes and spent a lot of money. Construction started in 2006, which lasted for two years, and the huge investment of nearly 30 billion yuan came from Angang Group. "At the initial stage of the project investment, the capital was 65.438+042 billion yuan, and the rest came from group financing, of which the bank loan share was relatively high, * * * was 9 billion yuan."
Downstream: ensure that funds enter the real economy.
The construction of Bayuquan project in Angang is only a microcosm of the inflow of credit funds into Angang.
After the introduction of the 4 trillion yuan investment plan, the bank's credit gate has also been released. How to ensure the flood of funds flowing into the real economy has become a problem that all localities have to think about. In Anshan, a heavy industrial city dominated by one enterprise, in view of Angang's basic position in the local economy, to ensure the support of bank credit funds for Anshan's real economy, it is necessary to guide credit funds to invest in Anshan, because supporting Anshan is not only beneficial to Anshan, but also beneficial to a large number of small and medium-sized enterprises in Anshan.
Song Huizhong, president of Anshan Central Sub-branch of China People's Bank, told the reporter that in order to meet the liquidity demand of Angang, Anshan financial institutions issued a total of 3.653 billion yuan of bank acceptance bills to Angang Steel, a subsidiary of Angang Group, accounting for 6 1.2% of the total acceptance bills issued by financial institutions in the city.
In addition to the inflow of bill financing, a large amount of bank funds flowed into Angang last year. Liu Qun, a loan officer of ICBC Angang Branch, told the reporter that Angang had a huge demand for funds last year due to the construction and commissioning of new projects. At the end of last year, the balance of Angang's loans reached1094 million yuan, of which1500 million yuan was the short-term working capital loan of Angang Group,1900 million yuan was the short-term working capital loan of Angang Group, 3.94 billion yuan was the medium-and long-term working capital loan, and 3.6 billion yuan was the loan of Angang Yingkou Bayuquan Project. It is understood that CCB Anshan Branch also added 5.07 billion yuan to Angang last year, and BOC actually added RMB loans to Angang1600 million yuan.
How to ensure that such a large-scale loan is really used for the production and operation of Angang? In the first quarter of this year, the surge of bill financing in bank credit caused widespread controversy in the industry. There is a view that discounted bills have not flowed into the real economy. So how is such a large-scale bill used in Angang?
"We pay close attention to the flow of funds and ensure that all loans are used according to the purpose at the time of application through corporate research and capital flow detection." Liu Qun said. The Anshan Branch of the People's Bank of China has also continuously strengthened window guidance and held regular financial situation analysis meetings to monitor and supervise the flow and use of credit funds in Angang.
As for Angang's bill financing in the first quarter of this year, Song Huizhong believes that this is equivalent to replacing the short-term loans of enterprises, and to some extent, it has higher requirements for banks. "Since the project of Anshan Iron and Steel University has been basically completed, the bills issued now are mainly used for raw material procurement." Liu Qun told reporters that the bank's review of Angang's trade situation is extremely detailed, and as a large state-owned enterprise, Angang itself is also very cautious about ordering and applying for bank acceptance bills. In addition, in 2009, Anshan Branch of Bank of China issued a foreign exchange loan of150,000 USD to Angang, which was also used for enterprises to purchase ore from abroad.
As a typical representative of Liaoning's old industrial enterprises, whether it is using bank loans to build high-tech projects or using bank acceptance bills to solve the liquidity demand, it shows that Angang has indeed invested funds in the actual operation of enterprises and the upgrading of industrial structure during the financial crisis. And bank funds ......