启动新的信用卡宣传项目提高信用卡持有人的收入

PAGEPAGE2-LaunchingaNewCreditCardPublicityProjecttoRaiseCreditCardHoldersSubmittedbyZengLiStudentIDnumberW2005B1001B0087SupervisedbyXieDengpanApapersubmittedinfulfillmentoftherequirementsofthedegreeofBachelorofArtsTheInstituteofOnlineEducationBeijingForeignStudiesUniversityApril,2008Draft12北京外国语大学网络教育学院学士学位论文诚信声明本人郑重声明：所呈交的学士学位论文，是本人在导师的指导下，独立进行研究工作所取得的成果。论文所涉及的项目为本人亲自负责或者参与实施的项目。除文中已经注明引用的内容外，本论文不含任何其他个人或集体已经发表或撰写过的作品成果。本人完全了解本声明的法律结果由本人承担。学士学位论文作者签名：日期：年月日

论文摘要（中文）中国建设银行是一家在中国市场处于领先地位的股份制商业银行，为客户提供全面的商业银行产品与服务。主要经营领域包括公司银行业务、个人银行业务和资金业务，有多种产品和服务，如基本建设贷款、住房按揭贷款和银行卡业务等在中国银行业居于市场领先地位。本行拥有广泛的客户基础，营销网络覆盖全国的主要地区，设有约13629家分支机构，有6家海外分行和3家海外代表处，拥有26万余员工。1989年，建设银行开始办理信用卡业务。在过去的18年中，建行的信用卡业务飞速发展。截至2006年底，建行发卡超过1亿张，占有市场份额18％。中国人民银行联合8家部委发文鼓励公务员在处理公务时使用信用卡，指出使用信用卡消费有助于减少腐败贪污，减少现金流量，促进社会商业发展。在这样的背景下，中央国家机关团委邀请中国银行、工商银行、建设银行、招商银行等几大商业银行为中央国家机关的青年设计一张专属的信用卡。中央国家机关团委管辖着93个部委的团组织。这些部委在北京的，公务员超过覆盖逾30万公务员。这是一个高品质的客户群体，他们有稳定的收入和工作，人员流动性低，信用风险低，易于评价和管理，并且每年他们经手的公务开支数额庞大的公务开支。为争夺这一市场，建行从相关部门抽调人员成立了专门的团队负责这一项目。本论文着重论述一个新产品的设计过程，我们利用8周的时间从2007年12月20日到2008年2月29日完成了这一项目的初步分析、调查、计划和实施。根据通过前期调研，了解客户需求，结合中央国家机关团委的要求和，根据自身利润目标要求，我们草拟了一份中央国家机关人员专属信用卡的方案，经过激烈的竞争，我们的方案脱颖而出，最终中央国家机关团委与我行签订了信用卡合作协议，顺利完成这一项目。本论文前期通过目标客户调查、SWOT分析等调研方法确定了产品设计的目标方向。在中期的计划执行过程中，通过采取《项目进度流程表》等检查与评估形式确保项目计划得到了充分执行。在后期计划评估部分，本论文通过目标客户办理信用卡的数量和卡均利润充分证明了方案设计的正确性。短短几个月的时间，难以充分显现此项目的所有优势和不足。目前信用卡的持有人数量正在飞速上涨，、卡均消费额和卡均利润也在不断增长。同时通过销售人员的不断回访和客户电话中心的反馈，也发现了一些问题。以客户为中心是我行的服务理念，我们将不断调整和改进此信用卡的功能，满足客户需求，在激烈的竞争中站稳市场。关键词：信用卡

Abstract(English)CCB,ChinaConstructionBank,isaleadingcommercialbankinChinaprovidingacomprehensiverangeofcommercialbankingproductsandservices.Creditcardbusinessisoneofourimportantproducts.TheCommunistYouthLeagueofStateOrgansinvitedseveralbanks,includingourbanktodesignacreditcardforyoungemployeesinstateorgans.ThispaperpresentsadetailedreportofaprojectimplementedbyCCBtodesignacreditcardforpeopleinstateorgans.Governmentofficialsarehighqualitycustomers.Itisoutofquestionthatchallengesfacingthemarketaresevere.NotonlyChinesebanksbutalsoforeignbanksarefocusingonthisgroup.Thisprojectwillexpandourcustomersandfurthertobuildupclosedrelationshipwithstateorgans.Ourcreditcarddepartmentpaidmuchattentiontothisprojectandassignedourteamtofinishthetask.Itishypothesizedthatifourcreditcardcanfitthestateorgansofficers’requirementsaccordingourthoroughinvestigatingandcarefuldesignandwecansettleandconcludethebusinesswiththeCommunistYouthLeagueofStateOrgans.TheprojectwasimplementedfromDecember20th,2007toFebruary29th,2008.Intheproject,SWOTanalysis,questionnairesurveyandbrainstormingactivitieswereusedinproblemidentificationandanalysis.Theresultsindicatedthattheprojecthadproveditshypothesisandachieveditsgoalandobjectivesinasignificantway.TheCommunistYouthLeagueofStateOrgansandourbanksignedthecontract,andsaleprocessedsmoothly.Keywords:creditcard

TableofContentsPages1.Introduction……………………...12SummaryofthePreliminaryresearch………..22.1.Problem………………………..22.2.Problemanalysis……………..22.2.1Company’scurrentsituation………..……22.2.2Needsandwantsanalysis…………………32.2.3SWOTanalysis………………..…………..43.ProjectObjectiveandHypothesis……………53.1.ProjectObjective…………………….…………53.2.ProjectHypothesis……………….……………64.ProjectRationale……………………..…………65.ProjectDesign……………………75.1.Planningactivities………………..……………75.1.1A75.1.2P115.2.Costing……………..……………125.3.Risksanalysis………….………135.4.Managementandcontrol……….……………146.

ProjectImplementation…………..……….……146.1.Generalintroductionoftime,placeofprojectimplementation….……156.2.Theworkingstepsofimplementation………..……………156.3.Monitoring………………………177.

ProjectFindingsandDiscussion……………177.1.

Results……………..……………177.2.

Discussion………………………188.

Conclusion………………………20Bibliography…………21Appendix1:Questionnaire……………………22Appendix2:Theprojectframework………24

LaunchingaNewCreditCardPublicityProjecttoRaiseCreditCardHoldersIntroductionCCB,ChinaConstructionBank,wasestablishedonOctober1,1954.

Overmorethan50yearsofreformanddevelopment,CCBhasbuiltupthecompetitivenessinboththeChineseandinternationalmarkets.CCBhasmorethan13629businessoutletsinsideandoutsideChinaincluding6overseasbranchesand3overseasrepresentativeofficesandaltogether263,000full-timestaff.ItisaleadingcommercialbankinChinaprovidingacomprehensiverangeofcommercialbankingproductsandservices.Creditcardbusinessisoneofourimportantproducts.In1989,CCBstartedtodevelopthebusinessofcreditcard.Thelast18years,ourcreditcardbusinessachievedsubstantialincrease.Bytheendof2006,CCBissuedovertenmillioncreditcards;themarketsharereached18percent.AnofficialdocumentissuedbyPeople’sBankofChina,MinistryofCommerceofthePeople’sRepublicofChinaandother7ministriesisabouthowtoimprovecreditcardbusiness.Itsayscreditcardbusinessisofgreatbenefittosocietyandindividuals.Itdoeshavemuchmeaningtoreducingcashcirculation,decreasingtradecost,improvingconsumption,enlargingrevenue,upgradinginternationalimage.Inordertoimprovediaphaneity,thedocumentencouragesgovernmentofficialstousecreditcardinofficialpayout.Sincethen,moreandmoregovernmentofficialsbegantousecreditcards.Insuchsocialbackground,theCommunistYouthLeagueofStateOrgansinvitedseveralbanks,includingourbanktodesignacreditcardforpeopleinstateorgans.Governmentofficialsarehighqualitycustomers.Theyhavesteadyworkandincome.Thereare93stateorganswithmorethan300000employeesinBeijing.Thisgroupofpeoplehassteadyworkandincome.Itisoutofquestionthatchallengesfacingthemarketaresevere.NotonlyChinesebanksbutalsoforeignbanksarefocusingonthisgroup.2007wasthefirstyearthatchinaopenedthefinanceretailbusinessmarket.ForeignbankswereapprovedtoenterthismarketandcompetedwithChinesebanks.They,withthoroughlyexperienceinpromotionandcustomerservice,shouldbecomeprincipalpartsinthecreditcardbusiness.ThemostimportantdomesticcompetitorsareChinaMerchantBank,BankofChina,IndustrialandCommercialBankandChinaConstructionBank.Theyprogressivelypaymuchattentiontocreditcardbusiness.Infact,thereisnotmuchdifferenceamongthosecreditcards.Theprojectobjectiveistopublicizeanewcreditcardtopeopleinstateorgans.Itwillexpandourcustomersandfurthertobuildupclosedrelationshipwithstateorgans.Ourcreditcarddepartmentpaidmuchattentiononthisprojectandassignedourteamtofinishthetask.Inordertogaintheproject,wemustdeeplyunderstandthecustomers’needanddesignaspecialanddistinctcreditcard.Thisprojectisveryimportantforourbank.Wemustseizethechance;otherwisewewilllosethemarketofstateorgansforever.Oncewewintherace,theCommunistYouthLeagueofStateOrganswillcooperatewithourbankforalongterm.Theprojectwillexpandourcustomersandfurthertobuildupclosedrelationshipwithstateorgansandraiseourcreditcardmarketshare.Furthermore,thecreditcardisoneofourbusinesses.Itisakeytoopenthestateorgansmarket.Wewillutilizethisrelationshiptodevelopourloanbusiness,intermedialbusiness,fundbusinessandsoon.SummaryofthePreliminaryresearch2.1ProblemInordertogaintheproject,wemustdeeplyunderstandthecustomers’needanddesignaspecialanddistinctcreditcard.2.2 Problemanalysis2.2.1ThecurrentstateofCCBCCB,ChinaConstructionBank,wasestablishedonOctober1,1954.

Overmorethan50yearsofreformanddevelopment,CCBhasbuiltupthecompetitivenessinboththeChineseandinternationalmarkets.CCBhasmorethan15000businessoutletsinsideandoutsideChinaincluding6overseasbranchesand3overseasrepresentativeofficesandaltogether263,000full-timestaff.In1989,CCBstartedtodevelopthebusinessofcreditcard.Thelast18years,ourcreditcardbusinessachievedsubstantialincrease.Bytheendof2006,CCBissuedovertenmillioncreditcards;themarketsharereached18percent.Thecurrentstateofthecreditcardmarket2007isthefirstyearthatchinaopenedthefinanceretailbusinessmarket.ForeignbankswereapprovedtoenterthismarketandcompetewithChinesebanks.They,withthoroughlyexperienceinpromotionandcustomerservice,shouldbecomeprincipalpartsinthecreditcardbusiness.MostChinesebanksissuetheirowncreditcards.ThemostimportantcompetitorsareChinaMerchantBank,BankofChina,IndustrialandCommercialBankandChinaConstructionBank.Theyprogressivelypaymuchattentiontocreditcardbusiness.Thereisnotmuchdifferenceamongthem.Thehorizontalcompetitioninthecreditcardbusinessindustryisincreasinglydrasticintense.CustomerprofileofthecreditcardAnofficialdocumentissuedbyPeople’sBankofChina,MinistryofCommerceofthePeople’sRepublicofChinaandother7ministriesisabouthowtoimprovecreditcardbusiness.Itsayscreditcardbusinessisofgreatbenefittosocietyandindividual.Itdoeshavemuchmeaningtoreducingcashcirculation,decreasingtradecost,improvingconsumption,enlargingrevenue,upgradinginternationalvisualize.Inordertoimprovediaphaneity,thedocumentencouragesgovernmentofficialstousecreditcardinofficialpayout.Sincethen,moreandmoregovernmentofficialsbegantousecreditcards.Governmentofficialsarehighqualitycustomers.Theyhavesteadyworkandincome.Thereare93stateorganswithmorethan300000employeesinBeijing.Wedivideourtargetcustomersintotwogroups.Onegroupis110000youngpeopleagedfrom18to35.Anothergroupis190000olderpeopleagedfrom36to Inordertogetaclearunderstandingoftheviewsandopinionsofourtargetcustomers,aninterviewwascarriedoutbyourteam.Twofocusgroupswereorganizedasfollow:10youngpeoplewhoisagedfrom18to3510olderpeoplewhoisagedfrom36to60Howoldisyoungandhowoldisolder?Bettergiveanagerangetospecifyit.Itisdifficulttogatherallofthem.Wechosetwoministriesandpaidavisittothem.Theywereaskedtogiveopenanswerstothefollowingquestions,whicharesetaccordingtoourdesireofimprovingthepromotionofourproject.QuestionsHowdoyoufeelaboutLongCreditCard?Doyouusuallyusecreditcard?WhatadditionalserviceswouldyouliketoseeinLongCreditCard?CanyougivemesomesuggestionsaboutLongCreditCard?Doyouthinkourcustomerservicesarehelpful,patient,friendlyandpoliteenough?Doyouoftenhavebusinesstrip?Duringyourbusinesstrip,doyouusecreditcardtopay?Howmuchcreditlimitdoyouthinkisappropriate?Whatmostoftendisappointsyouwhenyouusecreditcard?Theresponsestothequestionswerepositiveandconstructiveforourproject.SuggestionsOnordinaryday,theydonotneedhighcreditlimit.Onspecialtime,suchasonbusinesstrip,theyneedtemporarylargecreditlimit.They,especiallyolderpeopleoftengoabroad.Sotheyneedinternationalcreditcard.Theirpersonalinformationmustbeprotected.Thecoverofthecreditcardshouldbespecial.Itisbetterthatthecardhasnoannualfeeandoffersalongergraceperiodandcarriesalowerinterestrate.SWOTanalysisNowwehavecollectedallinformationaboutourproject.WecarryoutaSWOTanalysis.StrengthsOurbankhasahighreputationinthemarket.Asoneoftheleadingbanksinthedomesticbankingsector,CCBretainsleadershiprolesincreditcardmarket.OurbankhasanextensivenetworkinChina.OurBankcontinuestopursueinnovativecreditcardservicessuchasonlinebankingtostayinacompetitiveedge.Basedonadvancedinternettechnology,ourinternetpaymentservicesalsosupporte-commerceactivitiessuchasonlineshopping,hotelandtravelreservationsandticketsbookingsetc.Ourbankhasgoodrelationshipwithmanycentralstateorgans.WeaknessOurcreditcardbusinessisrapidlyexpanding.Thecustomerservicecouldnotkeepupwithit.Weneedrecruitlotsofspecializedworkers.Ourcreditcardcentreislocatedinshanghai.Clientswillreceivecardsinseveraldays.OpportunityInordertopreventcorruption,governmentencouragesofficialstousecreditcards.Recently,ourbankinstalledmanyPOSterminalsinsupermarketsandshoppingmalls.Itwouldenableconsumerstoenjoytheconvenienceofcreditcards.ThreatsChinaMerchantBank,BankofChina,IndustrialandCommercialBankarereadytobidforthisproject.Thereisnotmuchdifferenceamongtheproducts.Competitionhasbeenfierceduringthelastfewyearsamongbanks.ThoughtheSWOTanalysis,weclearlyexaminedourcurrentsituation.Weshouldimproveourprojecttocapitalizeonourstrengthsandovercomeourweaknesses.3.

ProjectObjectiveandHypothesis3.1

ProjectObjectiveAnofficialdocumentissuedbyPeople’sBankofChina,MinistryofCommerceofthePeople’sRepublicofChinaandother7ministriesisabouthowtoimprovecreditcardbusiness.Itsayscreditcardbusinessisofgreatbenefittosocietyandindividual.Itdoeshavemuchmeaningtoreducecashcirculation,decreasetradecost,improveconsumption,enlargerevenue,upgradeinternationalvisualize.Inordertoimprovediaphaneity,thedocumentencouragesgovernmentofficialstousecreditcardsinofficialpayout.Respondingtothedocumentcall,TheCommunistYouthLeagueofStateOrgansinvitedseveralbanks,includingourbank(ChinaConstructionBank）todesignacreditcardforpeopleinstateorgans.Ourcreditcarddepartmentpaidmuchattentiononthisprojectandassignedourteamtofinishthetask.Theprojectobjectiveistopublicizeanewcreditcardtopeopleinstateorgans.Itwillexpandourcustomersandfurthertobuildupclosedrelationshipwithstateorgans.Weshallcarryadepthinterviewtoclearlyunderstandtheviewsofourtargetcustomers.Satisfyingcustomers’needisthefirstimportant.Wemustpaymuchattentiononcollectinginformation,investigatingmarket,analysiscustomers’need,andsoon.Thisgroupofpeoplehassteadyworkandincome.Itisoutofquestionthatchallengesfacingthemarketaresevere.NotonlyChinesebanksbutalsoforeignbanksarefocusingonthisgroup.2007isthefirstyearthatchinaopenedthefinanceretailbusinessmarket.ForeignbankswereapprovedtoenterthismarketandcompetewithChinesebanks.They,withthoroughlyexperienceinpromotionandcustomerservice,shouldbecomeprincipalpartsinthecreditcardbusiness.ThemostimportantdomesticcompetitorsareChinaMerchantBank,BankofChina,IndustrialandCommercialBankandChinaConstructionBank.Theyprogressivelypaymuchattentiontocreditcardbusiness.Infact,thereisnotmuchdifferenceamongthosecreditcards.Inordertogaintheproject,wemustdeeplyunderstandthecustomers’needanddesignaspecialanddistinctcreditcard.3.2

ProjectHypothesisItishypothesizedthatifourcreditcardcanfitthestateorgansofficers’requirementsaccordingourthoroughinvestigatingandcarefuldesignandwecansettleandconcludethebusinesswiththeCommunistYouthLeagueofStateOrgans4.

ProjectRationaleFirst,whyshouldwedesignacreditcardfortheCommunistYouthLeagueofStateOrgans?Alongwithtechnologydeveloping,thecreditcardmarketingmethodisformingasystem.Precisionmarketinghasbeenamainstreaminthecreditcardmarketingworld.JustasChenJian(2005)states,Precisionmarketingissellingrightcreditcardproducttorightcustomerswithrightmethodatrighttime.CityBankfirstlyusedthismethodtosellcreditcardandranksfirstinthecreditcardindustry.Timingiseverything.TheCommunistYouthLeagueofStateOrgansinvitedseveralbanks,includingourbank(ChinaConstructionBank）todesignacreditcardforpeopleinstateorgans.Itisarighttimetoenterthismarket.Noteverycustomerisvaluableforbanks.Inpractice,20%customersbring80%interest.WemustuseManagementInformationSystemtoanalysiscustomers’repaymentability,repaymentwilling,andincomesituationandtofindvaluablecustomers.Employeesinstateorganshavesteadyworkandincome.Theyhavehigheducationandwouldliketoacceptnewproduct,suchaspayingbycreditcard.Theyarerightcustomersforourbank.Itisveryimportanttotransmittingmarketinginformationwithrightmethod.Customerswouldliketoacceptitandnotfeelthemintrouble.TheCommunistYouthLeagueofStateOrganswouldarrangeCommunistYouthLeagueineveryStateOrganstosendthecard.Wethinkitisagoodmethodtosell.Rightproductisattractiveforcustomersandprofitableforbanks.Eachgroupofcustomerhasspecialfinancialstation,consumehabitandbehaviorcharacter.Sotheypreferdifferentkindofcreditcard.Weshoulddesignrightproduct.ChenJian(2005)alsopointsout,contrastingwithtraditionalmarketing,Precisionmarketingwouldfastandvastlyenlargemarketextentandgainproceeds.Second,howcanwedesignarightcreditcard?ThebookWorldClassEnglishforBusinessBook2mentionsthatagoodcustomerservicepolicydependedonknowingwhatourcustomerswantandhowtheyfeelabouttheserviceyouoffer.Itsuggestsmanygreatmethodstoobtaincustomers’information,suchasquestionnaire,face-to-faceinterview,telephoning,andcustomersurveyetc.ThoughwewoulduseManagementInformationSystemtoanalyzecustomers’repaymentability,repaymentwilling,andincomesituation,wewouldmakequestionnairetotestandadjustouranalysis.PracticalBusinessProjectandProposalDesign(Hilton,2001)introduceshowtodoSWOTanalysisandhowtocarryouttheproject—time-scale,projectcost,riskanalysis,andmonitoringandevaluationandhowtopresenttheproposal.Intheproject,abovemethodswouldbeusedinproblemidentificationandanalysis.Duringthedesignprocess,thereisasensitiveproblem.Howshouldwepricethecreditcard?XuLi(2007)claimscustomerswouldpayswitchingcostswhentheytransferfromonecreditcardtoanothercard.Switchingcostsincludecontinuingcostsandlearningcosts.Customersshouldlosepreferentialpolicythattheycangainfromtheoldcardandhavetolearnhowtousethenewcard.Soweshouldattractcustomerswithlowpricetoreducetheirswitchingcosts.Final,theprocessofmarketingisalongtimework.XuZhihong(2007)statescustomerswouldkeepusingonecardforlongertime,bankswouldgainmoreinterest.Returnfromoldcustomersisincreasingateveryyear.Itisveryimportanttoremainoldcustomers.Weshouldimproveourservicewithoutstop.Atfirst,wewillcontinuediscussingwiththeCommunistYouthLeagueofStateOrgansandcollectingandanalyzingcustomers’dataandfurthertounderstandcustomers’needandprovidemorespecialservice.Iconsultedsomerelevantliteratureandfoundthatmodule2in“WorldClassEnglishforBusinessBook1”andmodule7in“WorldClassEnglishforBusinessBook2”areveryuseful.Thefollowingistherationaleonwhichmyprojectwillbebased.Agoodcustomerservicepolicydependsonknowingwhatcustomerswantandhowtheyfeelabouttheserviceyouoffer.Aspartofitscustomerservicepolicy,acompanymustcontinuallyevaluateitsservicebyaskingitscustomersforfeedbackonthoseservices.Onewayofgettingfeedbackforcustomersisinterviewingthemface-to-face.Asurveycanbeusedtocollectdatabeforeanewproductorserviceislaunchedonthemarket,ortocollectfeedbackfromcustomerswhoarealreadyusingaproductorservice.TotalQualityManagementisanapproachtothemanagementwhichinvolvesacompletededicationtotheideaofquality.Howanorganizationreleasesthefullpotentialofitspeopletoimproveitsbusinesscontinuously.Peopleincludealloftheindividualsbyanorganization.Effectivetop-downandbottom-upcommunicationisachieved.Inordertoremaincompetitive,companiesneedtobesurethattheirproductsfittheircustomers’requirements.5.

ProjectDesign5.1

Planningactivities5.1.1Aftermuchdiscussionamongourteams,wedrewupaplanindetailallthethingswewillhavetodotoreachtheobjectives.Inordertomeetsuccess,wewrotealistofallthestagesthatwewillgothroughstepbystep.Ourplanincludesfourstagesasbelow:Stage1.Identifyingcustomer’sneedSeveralmemberswillvisitourcustomersandinquireabouttheirneedofthecreditcard.Beforevisit,theymustfindoutasmuchastheycanaboutourcustomers.Basedonthecharacterofourcustomersandtheproject’sneed,theywillmakeaquestionnairetofindoutwhatthecustomersthinkofthecreditcard.Thequestionnaireshouldbeapprovedbytheproject’smanager.Aftertheirvisit,theyshoulddrawaconclusionaboutthecustomer’sneedandreporttothemanager.Stage2.DesigningthecreditcardThereisahugedatabaseaboutcustomers.Fromthedatabase,wecanselectsomeusefuldataaboutthiskindofcustomersuchastheiraveragesalary,theirhabitofcustom,theirtimesofusingcreditcard.Accordingtotheabovedataandcustomer’sneed,wewillmakeaprincipaldesign.Stage3.CalculatingthecostandprofitLetthedataspeakforitself.Puttingalldataofthedesignintoananalyticalmodel,wewillcalculatethecostandprofit.Ourteamwillanalyzeandevaluatetheresult.Therewillbelotsofrepeatingcircles.Wewillcontinueadjustingsomedataandcalculatingthecostandprofittillwegetasatisfactorydesign.Stage4.ConcludinganagreementTheCommunistYouthLeagueofStateOrganswillinvitetenders.OurbankwillbeincompetitionwithChinaMerchantBank,BankofChina,IndustrialandCommercialBankandsoon.Wemustfindoutwhatourcompetitorsaredoingandadjustourbehaviorintime.Ifourbankgetstheproject,theCommunistYouthLeagueofStateOrgansandourbankwillsignacontract.Flowchartofthispartofactivities:Stage1:ReporttothemanagementforapprovalMakeReporttothemanagementforapprovalMakeaquestionnaireCollectinformationaboutourcustomersDrawaconclusionDrawaconclusionVisitourcustomersStage2:SelectdatafromourdatabaseSelectdatafromourdatabaseMakeaprincipaldesignStage3:AdjustingsomedataAnalyzeandevaluatetheresultAdjustingsomedataAnalyzeandevaluatetheresultCalculatethecostandprofitPuttingalldataofthedesignintoananalyticalmodelStage4:SignSignacontractTenderfortheprojectTenderfortheprojectTime-scaleoftheactivitiesItwilltakeeightweekstoimplementtheproject.Inweekone:CollectinformationaboutthecustomersmakeaquestionnaireInweektwo:visiteightstateorgansdrawaconclusionaboutthecustomer’sneedandreporttothemanagerInweekthree:selectsomeusefuldatamakeaprincipaldesignInweekfour:calculatethecostandprofitanalyzeandevaluatetheresultgetasatisfactorydesignInweekfive:calculatethecostandprofitanalyzeandevaluatetheresultgetasatisfactorydesignInweeksix:writeatenderInweekseven:sendthetenderwaitforresultInweekeight:signacontractActivitiesFlowChart:WEEKThreeWEEKTwo WEEKFourWEEKOneWEEKThreeWEEKTwo WEEKFourWEEKOneCalculateCalculatethecostandprofitSelectsomeusefuldataSelectsomeusefuldataVisiteightstateorgansCollectinformationAnalyzeandevaluatetheresultAnalyzeandevaluatetheresultMakeaprincipaldesignMakeaprincipaldesignDrawaconclusionMakeaquestionnaireGetGetasatisfactorydesignWEEKEightWEEKSevenWEEKEightWEEKSevenWEEKSixWEEKFiveWEEKSixWEEKFiveSignacontractSignacontractSendtenderWritetender5.1.2Itisatemporaryteamwithsevenstaffmembers.Wecomefromvariousdepartmentsandwillbeinchargeofdifferentpartoftheproject.ZengLiChenShuo,teammanager,isinchargeofthewholeprojectandnegotiationwiththeCommunistYouthLeagueofStateOrgans.Hewillcontroltheprojectonscheduleandarrangeeveryone.XuPingandMaoJingboareinchargeofcollectinginformation,makingaquestionnaire,visitingourcustomers,anddrawingaconclusionaboutthecustomer’sneedandreportingtothemanager.LiHuiandSongQingareinchargeofselectingsomeusefuldataaboutthiskindofcustomersuchastheiraveragesalary,theirhabitofcustom,andtheirtimesofusingcreditcard,makingaprincipaldesign.ChenLipingandZhaoChongareinchargeofputtingalldataofthedesignintoananalyticalmodel,andcalculatingthecostandprofit.ZengLiisinchargeofconnectingwithTheCommunistYouthLeagueofStateOrgansWhatisyourresponsibilityinthisteam?5.2

CostingTherearefourpartsofcostfortheprojectandthecostbreakdownisasfollows:CostofmaterialandequipmentOurofficeequipmentisfreeforourteam.Ourteamshouldpayforpostage,telephonecharges,printpapers,officemachinedepreciationandsoon.Toencouragestaffsinstateorganstotakepartinourinterview,wewillpreparesomegiftsforeveryparticipant.AllofthesewouldtakeaboutRMB50,000.--.CostoftimeandlaborTherearesevenstaffsinourteam.Wewillvisitourcustomersfrequentlyandcommunicatewiththem.Weshouldpayforsalary,taxifeeandsoon.TotalcostwouldbeaboutRMB160,000.--.CostoffinanceWemightsuffervalueofanyearningsinordertoimplementtheproject.ThiscostisaboutRMB100,000.—ContingencyallowanceContingencyallowanceisabout3%fortheabovetotallyanditisRMB9,300.--.TOTALCOSTOFPROJECTinRMBCURRENCYInitialcosts:Materialandequipment50,000SUB-TOTAL50,000Recurrentcosts:Labor160,000Finance100,000Contingencyallowance9,300SUB-TOTAL269,300