E-business plan ( financial )

As China's economic development, personal disposable income is growing, the increase in personal assets for the people of the assets value and value-added production needs. According to Economic Monitoring Center released a survey showed that the whole country, about 70% of the residents want to have a good financial consumer financial advisor. Therefore, the personal finance business has a huge potential market demand. Now, how to solve the financial problem has become a major event in Chinese life. However, the average individual or family to master the skills of professional and hard to make their personal or family financial conduct a comprehensive, integrated planning. Although there have been many financial market projects, but a single propaganda means to promote commercial purposes is too obvious,Louis Vuitton Handbags, individuals or families are often reluctant to accept. It is our creative projects for increasing awareness of personal financial needs, while China Construction Bank to promote personal Internet banking information services for the purpose of establishing a personal financial management to help provide comprehensive, integrated financial planning, financial management to create happy atmosphere CCB also promote personal Internet banking resource platform.

platform of our resources to achieve a site, the site called ) is a B2C e-commerce site. Individual or family can learn through our website as well as a variety of financial information services, blog area to open up, allowing users to freely exchange and share financial tips. Meanwhile, publicity to the various banks to develop financial products and services to facilitate customers to choose their own further financial solutions and related products and services. Site in the form of Money Master side (financial magazine area), avant-garde music which finance (financial characteristics of service area). Special Services District, which is our flagship brand, is the core competitiveness of our site.

am the master of my bank (CCB personal online banking function display area): the user into the display area, you can see a display Construction Bank Personal Internet Banking can provide a dynamic image features, such as account inquiries, transfer money, pay fees, credit cards, personal loans, etc., which of interest to the user want to, just a single click, you can access a specific service description of the project, if the user intends to open, simply press lower side of the page under the

I am the master of the bank also opened a message board, including a recent discount tickets, flowers, booking, hotel reservations and other information. If the CCB Personal Internet Banking customers, the choice of a service, you can directly online transactions. If CCB does not open online banking functions, the choice of the business, the page will appear cute cartoon character says zone. The user's choice is autonomous, convenient online services attractive enough.

I am the best business plan (user blog exchange area) Now, have launched a blog site almost every area, the user can freely exchange, is undoubtedly bring user interests,Coach Online Outlet, the site played an invaluable propaganda effect. Our platform theme is Users on this platform are free to exchange financial management experience, to share money trick. Our points system is used, according to the article, click rate, each point to selection of a point is equal to the monthly selection of the best programs. The best program on the user, we presented a small gift and free As for the opening of China Construction Bank Personal Internet Banking customers, we presented some points. Similar to Baidu, Users blog exchange area as well as

financial guru around (Money magazine area): Today, people's income levels gradually increased, more and more people to invest the money, but no expertise, blindly follow the trend, and ultimately lost his wife and fold soldiers, talk about financial terribly afraid of the smell. We created a special edition financial management area is to help the user a reasonable investment. First of all, users of small online psychological test to find out whether there is a strong anti-risk ability, according to test results, we will provide appropriate advice. choose whether to test and understand their own learning level; over papers: the simulation exercise, mainly by the investment environment in the video game and virtual teaching composition; master chapter: After the first two phases of the user can learn acting for real, and in this section We will provide the investment authority of masters of the proposal, a major investment site selection of links and exchange of practical experience. Beginners and transitional chapter also suitable for new interest in the investment sense, but there is no user operation of the Fund. Financial interest in the training, reasonable financial assistance has a very important role. In addition to providing financial advisory information, we have also opened bank accounts CCB Personal Internet users recommend good books on personal finance, financial management software, electronic video teaching downloads, users can preview directly after online payment.
avant-garde music which

Banking (Special Service Area): This is the core of our brand websites. The reason, entitled He was also constituted by the following:

Users only need to choose their place in the residence, fill pre-order goods, we will provide store near the mall related activities of the product information, such as discounts, new products and so on. The early establishment of the station, the first few bargains and Beijing agree on frequent shopping malls, our website provides a platform for free for shopping before the first published information on its activities, the formation of a certain size, and then carried out according to click-through rate charges. We offer customers not only feel, but also convenient. If customers see your favorite products and fear of being snatched away in advance, you can directly book online to pay a certain amount of the commodity. A lot of concessions not only to provide information on special offers shopping malls, also announced the opening of the China Construction Bank Personal Internet Banking offers. The After the user can choose to watch to understand the present fraud modus operandi, and we understand the daily cost of the convenience of online payment security.

Special Services District, another brand is their own personality! Users can even upload your own photos and create unique personalized books!

Carpool convenient, save money, eliminating the crowded bus in the offensive, more and more people start using this new way of travel. Although the country has emerged in many carpool network, but requires user login information, your search for difficult to find suitable, and some even carpool interests under the guise of doing things that harm others. In summary, we aim to fight car locked in the 2, the shopping activity generally occurs on weekends, the information occurs, collection, providing faster; 3, shopping, crowded bus crowded bus than the average daily travel more trouble, almost everyone want to have a shuttle bus. The main function of the user object for the white-collar workers. White-collar workers receive a new way of fast, strong desire to shop, and most of non-car owners. This module features we achieve the following: the user simply fill out the destination (such as Oriental Plaza) and contact information, the system will be able to collect within a certain time limit, finishing the fight want to have the same destination, the Friends of the information, and provide that information to the user, the user selection, according to our contact information can be provided by the exchange of their friends fight about exactly. Friends of the automatic door to fight, do not anxiously waiting to find! We also offer high degree of credibility of the self-employed drivers for users to choose, generally a car with two clients can also be arranged according to the number of customer needs. Customer no security concerns, and enjoy VIP treatment as pick, in their own car door, get off, the cost and the cost is less than a single hit. This is a toll project, the choice of self-employed drivers, we charge a small percentage, less the amount users pay only for the information, you can enjoy convenient savings in travel services.

module functions in addition to the above, we have links to other pages, mainly on the financial and commercial information, such as shopping pages, the Construction Bank website, financial website to enrich the content of our website.

Market Analysis

Currently, the theme of website, on behalf of We conduct market analysis swot.

financial forum in the S: market share, large-scale, multi-function, informative. W: only a small feature pages of large sites to Sina, for example, generally there are two, thirty Edition, a huge amount of content, and users pay more attention to the recent hot news as well as a special issue of image information, and therefore small magazine low degree of concern. O: Great site to increase if the T: like Sina, Netease, Sohu is a big site, is to provide comprehensive advice as to meet the requirements of all types of people aware of the information, its value is reflected in the customer's attention to the site, both the attention and all the special issue not for the special issue on a certain degree of concern. A single special issue of the importance attached by the natural less than professional website.

independent professional financial management Web site: S: Service fully functional, professional, easy to remember domain name W: market share is low, less dynamic images, text and more, customers are likely to not have the patience to experience excellent service comparison , the site of interaction with the customer interaction less; while pertinence, the user's own suitability to buy financial products is not clear, one-sided way to explore the limited financial planning O: to increase the publicity of the site, while allowing site fresh content as much as possible to increase the user experience, the user's attention will increase. T: Great site with content and form similar financial magazine, mostly for the financial product advice, financial planning.

over our website is different from the sense of financial management, not financial product described at great length, but as a platform for advocacy and user experience to reflect the People First of, easy and convenient. We can finance the rest of the number of daily consumption only change, it can be invested in financial products, but also the consumption of convenience. Interest in attracting users to the site also increased the awareness of the Construction Bank Personal Internet Banking degree of concern.

management and operation of the program

At the same time, we have developed marketing and advertising strategy development, a careful analysis of user location, user research and divided the scope of functional modules based on the contents of location, style characteristics to divide the customer base, so targeted. Communicate with customers while carefully prepare and maintain work.



marketing efforts for a:

1 preparatory work:

now the major banks have their own personal online banking services to customers, products, features and incentives vary, customers have a great choice, the face of brutal competition in the market continue to make preparation essential. To make the promotion of the service is to first select the appropriate marketing channel, by the team analysis: the main users of online banking is necessarily for the majority of Internet users in China, through a attract the attention of Internet users.

2 site planning stage:

highly developed in the network today, flooding thousands of sites every day to our attention. But according to our usual habits of Internet sites are often only a handful of login. These sites have a higher CTR in common is that we have to meet the needs of information or function modules. The team through the paper survey (see separate document) and oral accessible way, summed up best meet our users needs for Personal Internet Banking service function modules, and form requirements of the site. To provide a basis to carry out further work.

3 Web Design:

design our website the results of the previous step for the introduction of various forms, fully functional modules. Matched to meet the computer vision and aesthetics continue to improve the layout of our website. At the same time opening blog feature that not only introduces us to provide a platform for advocacy is also a paradise for user communication.

4 marketing strategy:

collected according to the preparatory work to sort out first-hand information and analysis, advocacy work from the start site, establish a stable base and good publicity channels simultaneously on the basis of stability to carry out advertising and marketing brand promotional activities. For Survey the most popular website click-through rate of advertising click-through rate, with online advertising. In no more than the cost basis within their means trying to written advertisements, TV commercials and other forms.

5 teams to create their own advertising and marketing business to establish:

select the appropriate features of the site and have ready-made network of customers, good customer resources, advanced advertising operations concept, the spirit of customer service professionals to determine advertising advertising strategy, development plans and programs to develop advertising, and ultimately determine the potential for great development of this website advertisers. Increase website revenue through advertising free services to support other users of the development and improvement of function.

market professionals choose to establish a brand image for the purpose of close attention to the activities of the information industry, responsible for the creative, planning and participation in relevant marketing public relations activities.

6 interactive advertising and marketing:

ads at this time is divided into two parts: First, to do this website in promotion of other media advertising, and the other is the site for other companies to do advertising. With the market promotion of the site, functional improvement and increase the user before a form of advertising can be gradually reduced, but the ad does not mean that the latter can be infinitely increased, too far the truth is the principle issue of advertising, therefore, advertising should not affect the number of users of this site. Advertising and marketing activities are mainly organized by my site some publicity that will, presentations, etc., so that our advertisers to strengthen our confidence, to understand our work.

two marketing plan



1. the market run-stage

management and operation of the program: As the Web site just launched, so the main purpose of this stage is to open the market, understand the market reaction to prepare for the expansion of publicity.

Work: customer satisfaction survey to find the site assessment consulting firm, predict the future development potential. Structure and function of the site to do fine-tuning.

2. market expansion phase

management and operation of the program: run over a period of time after the market, this site has been on the market and determine the adaptability of a certain site features and content to meet market demand. Therefore, advertising strategy and promotion strategies should adopt a positive approach as far as possible, to open up all of the established goals related to the acceptance of user channels; extensive contacts with advertisers; actively involved in promotion and advertising for my site in various activities; with the major portals professional websites and industry co-branding program.

work: to increase the user's feedback, increased promotions, such as: to introduce more special offers, and more business partnerships (with China Construction Bank Personal Internet Banking to pay can get a discount, etc.); establish a brand image, focus on site quality, rich in content; to expand advertising efforts, and advertising companies to establish a mutually beneficial relationship so that later other companies advertising on my site; cooperation of various departments to prepare for the market sprint.

3. markets sprint

management and operation of the program:

marketing CCB in the use of Internet banking service users and the site visit rate is steadily stage, my site's brand awareness, image and style characteristics of Internet users in the target also should occupy an important position. Therefore, the marketing of my site should build on the progress, Liu Yong Jin. In my site to promote their brands to continue to put greater efforts to promote the users are interested in my site and began operations with the bank's Personal Internet Banking. To organize large-scale promotional activities, joint television and other media to create a strong media advocacy campaign, planning sponsored large-scale forum activities within the industry to establish the bank's personal online banking services in the same position of the leader.

work: to keep existing users at the same time tap the new potential customers, and expand the scope of publicity,Nike Outlet Store, such as: advertising ratio adjustment used in the stability of the user appropriate to reduce the number of ads on the site, new types of potential users in commonly used website to increase the number of ads and improve the quality of ads; to expand the number of advertisers on this website, increase website revenue; from the perspective of attracting users to enhance site quality into construction, constructed a meaning, depth, and have unique perspectives on personal finance construction Bank Personal Internet Banking service and promote websites.

4. virtuous cycle stage of the market

market outcomes of this stage is to expand the stage. After the third stage, my site has basically been the target users in a certain reputation, but also the formation of a certain brand image. In this case, marketing strategies become very important, because inadvertent website marketing strategy is likely to affect the image. Therefore, at this stage, stable market outcomes and market a virtuous circle virtuous circle of using the brand benefits and continue to open the distribution market, and gradually expand the image of the publicity, the market for the future to achieve greater results in future.

Marketing Solutions

Construction Bank for online banking services, personal marketing, we are mainly established to etc.. Our brand positioning is different from other similar products, our main location is convenient and efficient financial management is passed, full of fun, while China Construction Bank Personal Internet Banking promote the function of services. Established the brand positioning of my site to clear the direction of marketing, advertising standards are established, all communication activities are the evaluation criteria for all the marketing efforts will follow this standard to ensure that every promotion, in the promotion of sales at the same time, all of brand value (positioning) for accumulation.

a market analysis: similar services on the market today there are many, many of considerable strength and construction, banking and other banking companies have launched a personal online banking business. However, these business users are primarily concentrated in large cities, secondary cities and small cities for personal Internet banking is relatively unfamiliar, a good grasp of current customers in the mining small and medium cities, while the customer is the main goal of our marketing. The use of personal online banking users Youyi majority of users, so the target market through the creation of websites about our service is the preferred marketing strategy.

Second, the cost Description: The Construction Bank Personal Internet Banking service from the major costs of marketing the site creation and promotion of sites and activities required for the advertising costs. Mature on the site can be spent on advertising to make up the cost even before the realization of profits.

Third, the marketing strategy:

1. Web site created

sites of CCB as promote the main form of personal online banking is the gateway to the user to understand our business, but also the object of one of the follow-up marketing. That is, in the establishment of the Content of the site to be attractive to enable them to build bank personal online banking business while understanding there is no strong sense of merchandising. Content details see the website.

2. Blog Marketing

Blog is currently very popular platform for exchange and sharing, and some amazing blog click-through rate, the hundreds of millions of hits,Hermes Birkin, the marketing of our business very attractive. We will and hearing, Sina and other well-known blog website blog business. Blog focused on the sharing our building to use Personal Internet Banking experience, with our practice and promote the true feelings of our services products.

3. Advertising Sales

make two ads. In the highly competitive, products and services with each passing day, if it is to make their products in the competition to win the role of advertising can not be ignored. Personal Internet Banking service with high financial position and can do a good job advertising the following two aspects of the publicity.

(a) of the product terminal announced

portal to do at all,

on television, newspapers and other mass media to promote our business and Web site, through advertising campaigns so that the customers of our products is impressive.

(b) consumer terminal publicity

million copies by printing stickers, to target the city's residential buildings on hand at every gate of the pull-paste content: the life and safety for the whole family, PLEASE turn off the gas at home. Then add bigger Taohong these words: China Construction Bank Personal Internet Banking - My Money is a good helper. Along with This affinity in a short time to build a brand, and can see every day looking to increase the frequency of contacts, in turn, can strengthen brand awareness.

4. auxiliary activities

after making the online and advertising, support activities, mainly some interaction with the user-site activities. For example, into the university - lectures, and university students, or fun games, build our brand image well, the other, college students are a group of potential users, they have certain purchase and has great potential, seize it helpful to the future development of human groups. Into the community - a financial seminar to the residents in the minds of the residents is important to establish a sense of financial management to introduce the advantages of our products.

Risk Analysis

famous ForrestGroup under the existing problems by e-commerce analysis shows that:

1,96% e-commerce companies do not know where their customer base. That is, to spend a huge amount of e-commerce site advertising and huge human and material resources to their own websites Guangergaozhi, to attract Internet users to access the growing, but, regardless of click-through rate jumped to a few numbers, Web site operators themselves do not know all who visit your Web site, where they are, what products really need, what services.

2, the average global e-commerce site abandonment rate (AbandonRate) up to 80%. No matter how the users on your site to hang around in hovering, but in the end you try to communicate with, try to trade was a mere 2 percent!

3,USA Louis Vuitton, e-mail, the average response rate of 28%, recovery period is 2 weeks. Currently, users of e-commerce site with a variety of traditional means of communication is the face of the mail system appears, however, the response rate of 28% is scared, you can imagine 100 users on the site, products or services of interest, but only 28 After a bit can be 2 weeks before the red long feedback. These are the essential reasons for failure of e-commerce, the establishment of good customer relations directly related to the development of our website.

solution: Our site has a clear service, a clear purpose, and we will create a good customer relationship management system. It can realize the front-end services, e-mail and network links to build with every customer interaction, according to customer needs in a timely manner to provide a more comprehensive and in-depth services.
Risk II

Site: User confidence in the quality of web services.

e-commerce a major obstacle to the success of the consumer security and privacy of a lack of confidence in safety. Although the Personal Internet Banking can solve some problems of traditional banking entities, such as: long waiting time, labor efficiency is low, service style and less. But most part of e-services, consumers have not yet accustomed to this relatively new service with a lack of realism.

solution: get a separate license on the site seal to help manage this uncertainty. There are many companies can provide such permission seal. At the same time, emphasize that we are actually trading online banking on the CCB, and a strong security support.

Financial Analysis

year and a half after the project is expected to basically achieve profitability.



Development Plan

(attached) Market Survey

Dear Mr. President:

Hello, we are Thank you to our survey!

The survey only takes less than two minutes of your time, anonymous,Monogram Multicolore Handbags, be sure to answer according to your actual situation, in the case of items that match your fill in the blank space next to the answer options, For your busy schedule to fill in the questionnaire again, thanks! !

1. Do you have a personal online bank account ______

A with B does not

2. your impression of online banking safe and reliable

A B there are risks but they can accept the risk of unacceptable C

3. Do you understand your own financial management and effective

A scientific understanding of B do not know

4. What you want to seek a scientific financial management through the concept of

A science test questions to do simple reading knowledge material B C other

5. you have to know your need the information needs of merchandising

A with B does not

6. your concern for the personal finance site more concerned about the extent

A B C never pay little attention to attention

7. what kind of financial website, you will be more concerned about the

strong once again thank you for your cooperation, thank you