Financial management To how to use swot analysis? Below I have compiled a few financial management swot analysis case for you, the need for partners can learn from it.
Financial management swot analysis case chapter 1
First, the characteristics of the trust product
1, starting point high. Basically from 3 million, each project has 50 places from 1 million (commonly known as small amount), the higher investment threshold excludes ordinary investors. Therefore, the trust business is also known as private banking. There are calls to continue to raise the investment threshold for trusts, so why the high threshold? The usual explanation is that investors in the trust need to have a certain risk-recognition ability and risk tolerance, for example, in the U.S. regulations need to have 5 million U.S. dollars in order to participate in the trust investment.
2. Low risk. Trust projects are subject to due diligence, objective and fair information disclosure, clear and explicit risk management methods, and approval by the CBRC before issuance, and the operation of trust projects is subject to the constraints of the Trust Law, so the overall risk is relatively low, and investors in the trust have been able to reap the benefits of the trust since the establishment of the Trust Law in 2001.
3. Higher returns. In the previous few years, when the economic situation was better, investors in the trust were basically able to reap an annualized return of more than 10%, even though this year, when the global economy was generally in the doldrums, the average annualized return of the trust products was about 9%. 2009 to 2011, three years, investors in the trust harvested 240 billion yuan of income, 75.5% of the people who have obtained more than 9% of the annualized return, and 62% of the investors obtained an annualized return between 9-12%, which is the same as that of the investors. returns between 9-12%, and many real economy annualized returns are less than 9%.
4. Continuous investment is convenient and simple. The maturity to get back the principal and income, you can form a continuous investment, making the income become compound interest. At 9% compound interest, 3 million to start, adhere to 40 years is 100 million, adhere to 150 years is 1 trillion.
5, debt isolation function. Trust property is protected by law, once the trust is established, the trust property is separated from the property of the principal, the trustee, the beneficiary, and has the independence to become an independently operated property. The trust property can not be liquidated, debt service and bankruptcy. This is a very big advantage of trust products.
6, poor liquidity. Trust products can not be redeemed separately before the expiration of the midway, but can be transferred to other investors. Most of the trust products are for a period of 1 to 2 years. In order to meet the demand for high liquidity of idle funds, CITIC Trust, Ping An Trust, etc. have set up a short-term trust products, the period of 3, 4, 6, 9, 12 months, etc., more than 100 million of large funds can be customized to a more flexible period of time.
7, investment mode flexible. The trust can be across the currency, capital and industrial market three major areas, can be equity, loans and other forms of flexible operation, which is other financial institutions can not be compared. The advantage of the trust system is also one of the important reasons for its rapid development in the past few years. A lot of project parties are willing to go through the trust channel of financing at a higher cost in order to obtain funds more quickly.
Second, the bank financial products VS trust products
1, the investment threshold is lower. Generally from 50,000, bank finance belongs to the public finance. It's easy to subscribe, and you can even order directly online.
2, good security and low income. Bank financial products have a high degree of security, but the low yield is its hard. If the product description has the word capital guaranteed, the yield is about 3%; no capital guaranteed word, the yield is rarely reach 5%. Bank financial products are difficult to catch up with inflation. There are two broad reasons for this, one is the lower threshold of funds, the loss of bargaining power, excess returns usually go to the bank; secondly, the bank's operating costs are higher, 200 meters on a, or street stores, rental costs and labor costs are not low, and certainly need to be supported by higher profits.
3, strong liquidity. Bank financial products are rarely 1 to 2 years, basically about 30 days, 3 months or so, the term is very flexible, easy to subscribe at any time.
4, the bank has more outlets, but also know the customer details, in the hearts of the people have a higher degree of trust, which is the biggest advantage of the bank. Cooperation with the bank has a high advantage, insurance, securities, trust, funds, investment companies are also happy to cooperate with the bank. Therefore, when choosing financial products in the bank, it is necessary to distinguish between the bank's own financial products or products of other financial institutions. To recognize whether the contract has the official seal of the bank, if it is the bank's products on behalf of the institution should be very cautious, sometimes sales staff is not clearly stated. 2010, there are 38 bank financial products did not cash earnings, do not know whether the bank's own financial products or in the bank on behalf of other financial institutions of the product; and just recently exposed to the customer Ms. Wang, Ms. Yao, etc. in the Ping An Bank (formerly the Deep Development Bank) to do financial management, 1.8 million, 500,000 into 10,000, the customer's financial products are not the bank, but the investment company. Therefore, when you buy financial products in the bank or carefully identify the financial products produced by the organization.
5, I recently visited many bank branches, trust products less. Banks seem to be less willing to openly sell trust products, presumably banks would rather have large customers make deposits, or buy their financial management. Even if you can buy trust products in the bank, the yield is generally lower; in addition, individual there are also small trust company's products, such projects are generally recommended by the bank, the trust company is only a channel, the small trust company's fees are cheaper, the bank is happy to cooperate. Because, the bank needs to earn a larger profit margin. The reason why banks are willing to sell is often a higher commission, trust products commission is now generally lower, especially on the brand better trust company products, banks are not willing to sell.
6, bank financial products to raise a large part of the funds are directly invested in the trust project, the size of this scale accounted for 1/3 of the size of the trust, because the trust investment threshold is high, the trust products in the bank will be split into small financial products. From this, the bank can make money about 5% spread, or even higher. Intermediate business is one of the three pillars of bank profits.
Third, stocks, funds, securities products VS trust products
1, the stock decade back to square one, even if the private equity nature of the fund is also a comprehensive loss, the securities market woe. This is related to the current economic environment is relatively sluggish, more and China's securities system is missing. The securities market has become a tool for listed companies, brokerage firms and investment organizations to make money, without creating real value for shareholders. The downturn in the securities market has also seriously affected securities trust products. Now, the directional issuance of trust products have suffered losses across the board, and Ping An Trust's securities private equity funds have also suffered losses across the board, eclipsing the glory of many investment institutions and star fund managers. China's stock market needs to regain the image and financial confidence there is a very long way to go.
2, some sensitive speculators, the securities market in a timely manner to withdraw the funds transferred to the trust investment. This part of the people are very discerning, very wise investors. They not only circled the money in the stock market speculation, but also timely withdrawal, and further preservation of value in the trust investment.
3, in the economic upturn cycle, and large financial institutions, choose a good brand of fund managers, the purchase of securities products can still be. One to save effort, their own speculation all day to see K charts to listen to stock reviews will affect the work and life; Secondly, the brand good fund company or fund manager, they are after all professional, whether in technology or information are far stronger than our personal, the risk is also much lower. The key is the fund manager's historical performance and investment style, and their own comparisons can be consistent.
Fourth, insurance products VS trust products
1, low purchase threshold. The insurance products can be bought for hundreds or thousands of dollars, even if the subscription threshold of the insurance products in favor of financial management is only 1 to 2 million, which is a popular product.
2, the highest security. Insurance assets are protected by law and have the function of tax-free debt collection. United States Enron leader Mr. and Mrs. Ken Lane spent 9.7 million U.S. dollars to buy insurance before the bankruptcy, the money is the only funds that have not been frozen by the court, they rely on this money every year to lead hundreds of thousands of years of peace. Insurance can't change your fate, but it can keep your fate from being changed.
3. Lower yield. The investment field of insurance funds is seriously limited, insurance to protect the main, investment is not the advantage of insurance. Carefully look at the investment areas of insurance: large agreement deposits, national infrastructure, etc., such areas are very difficult to produce high returns. 2011 China's most generous insurance company Ping An branch of China is also only 3.75%. Insurance products with-profits insurance carefully look at the medium dividend accumulation, 80 years or so your premiums before accumulating interest to about 10 times, counting inflation, the money is sent to their own, talk about earnings.
Insurance finance at least 10 years to return to the capital. Because the early premiums, a large part of the insurance company to do sales commission, operating costs, etc.. The early survival benefit seems to be high compared to the premiums, but it is actually a part of the premium that becomes the survival benefit to you, and if you surrender the policy, you lose money. This is a world of difference from trust products. After all, the important function of insurance is protection, investment is not its strong point.
The annual dividend of insurance, dividends can be taken at any time, which is somewhat similar to the trust. But the overall return can not be compared with the trust.
4, general liquidity. Although insurance dividends can be taken at any time, but if the early to get back the principal is a loss, that is, the surrender will have to bear the loss. Trust products at the end of the period to get back all the principal, income according to the agreement to pay.
It is recommended to buy insurance products to protect the important, such as death benefits, critical illness protection, hospitalization and medical insurance. For the amount of money is not high, if the child is prepared for education savings, buy insurance with-profits insurance or can. In the long run, it is stronger than bank finance.
Fifth, limited partnership funds vs trust products
1, the investment threshold is higher. Similar to the trust, most of them are 1 million to start, individual will have lower, but also to hundreds of thousands. Usually a project has less than 50 limited partners.
2, term, risk control and trust is similar. Recently, there are more limited partnership products, and these projects are basically screened down by banks and trusts. In the design of the product is basically the use of trust design, such as structural design, a financier, the introduction of the guarantor, but also project evaluation and collateral, etc., the product and the trust is not the same. The reason why did not take the trust channel, there are generally several reasons:
A, the counterparty did not meet the threshold of access to the trust. For example, real estate trust regulations must meet the 432 conditions (four certificates of 30% of the investment capital developers at least two qualifications) and so on. The overall strength of the financier, financial reputation, assets responsible for the situation and financial situation does not meet the trust standards.
B, light asset financing subject. For example, in agriculture, mining, and trade, the financiers generally do not have sufficient physical pledges. The trust's pledge rate is usually less than 50%, which is so many companies have so many physical can be pledged.
C, intentionally avoiding the strict supervision of the trust. The trust project to fulfill due diligence, but also by the CBRC regulatory approval, financial are to be strictly regulated by the trust company (trust company will generally send financial personnel to control the use of funds); trust project is also in the public under strict supervision, what the wind and water grass media will be speculation. Project sponsors are not willing to subject their projects to so much regulation.
3, higher yield. Higher yield than the same type of trust products, high risk and high yield in line with the reasonable law of investment and financial management.
4. Higher risk. It should be said that the limited partnership is an important supplement to trust financing, and has a certain role in promoting economic development. Limited partnership, as the name suggests, is a partnership to do business and be responsible for its own profit and loss. Trust, trustee, agent financial management. Therefore, there is a fundamental difference in the nature of its investment. The limited partnership is objectively subject to higher risks than the trust. The risk of limited partnership mainly comes from:
A. Information asymmetry. Although the limited partnership also has a similar trust project due diligence and risk control, information disclosure, etc., but after all, is not strictly regulated, there will be information asymmetry, limited project sponsor may hide some risks and unfavorable information to the investor. For example, financial due diligence is just a pile of data, and the actual situation does not match; for example, hidden financing some financial credibility or social credibility of the information and so on.
B. In case of investment failure, the investor is responsible for its own profit and loss, and there is no trustee to help you deal with it. The trust in the community, the media under the supervision of the media, there is a risk that the media will speculate, so that the trust company and the financier, and even the local government can not afford to lose, will try to help you solve the risk. And do limited partnership investment obviously do not have this advantage, really lost only lawsuit slowly fight, lick their wounds.
5, investment advice. However, we can not completely negate the limited partnership form, it is still a positive role in revitalizing the financial investment, there is no lack of higher quality projects.
A, try to choose their own familiar investment areas. The project area is more familiar with the value of the project to make a good judgment.
B. Choose a quality fund company. A good fund company with a good reputation is more objective in judging the project.
C. Try to choose a general partner or counterparty with social influence. Influential counterparties or general partners, will pay more attention to maintaining their own brand effect, do not dare to easily default, once the accident, the possibility of making a big fuss is relatively large.
D. Choose a financial institution with a good reputation. Good brand financial institutions generally have their own risk control department, even if it is a limited partnership products will be independently assessed, the recommended products are more cautious, after all, the relationship between their own brand.
Financial management swot analysis case Part 2First, the internal advantages
1, the company vigorously promote the development and sale of the project, to strengthen the resource reserve, the land reserve work achievements. The company's cumulative new land reserves for the year total floor area of about 580,000 square meters, the total land investment of about 2.2 billion yuan. Higher than the industry average.
2 The company completed the business plan formulated at the beginning of the year, the year's cumulative contracted sales area of 233,100 square meters, contracted sales amount of 2.775 billion yuan,
3, to all shareholders of every 10 shares of cash dividend of 1.55 yuan (tax included),*** cash dividends of 209,249,232.13 yuan,*** distribution of profit 209,249,232.13 Yuan. It shows that the company focuses on the economic interests of owners, which attracts investors to invest; there is no amount belonging to the nature of delinquency in the compensation payable to employees, which attracts and motivates employees. The company adheres to the people-oriented, respect for the diversity of needs of customers, shareholders, employees, cooperative units and other stakeholders,
4, there is no short-term borrowings that have expired and are not repaid at the end of the year. There were no overdue long-term loans due within one year that had been rolled over. The gearing ratio is lower than the industry average, the long-term capital structure of 2013 and 2012 remains stable and reasonable, and corporate debt financing is relatively easy.
5, Zhenye 2012 current ratio of 1.7, 2013 rose to 2.5, the current ratio remains at 2:1, indicating that the enterprise short-term solvency and strategy is more reasonable, Zhenye as a real estate company, the sale of real estate should affect the company's current assets, but the performance of the current ratio is still very high, its short-term solvency is very good. Debt pressure is lighter, still has more room for financing.
6 The company's accounts receivable turnover ratio is high, accounts receivable realization speed, management efficiency, fast collection speed, shorter age. Effectively reduce collection costs and bad debt losses. Reflects the high management efficiency of the company. At the same time make the company's debt financing relatively easy.
Second, the internal disadvantage
1, the net cash flow from operating activities decreased, the reduction of the sale of buildings to reduce the sales of back to lower, and new land to pay a larger amount of land price.
2, inventory turnover rate is very low, only 0.12, and according to statistics in 2013, the real estate industry inventory turnover rate of 0.2, the company's property stagnation, capital turnover may be difficult.
3, Zhenye company in 2013 net sales interest rate fluctuations, there is a significant decline.
3, external opportunities
1, the concentration of the real estate industry is still low, Zhenye is expected to enhance market share through the integration of industry resources.
Fourth, the external threat
1, liquidity tightening, high cost of capital situation is difficult to change, the real estate industry running into the era of scale competition, market concentration further enhancement of the market trend of 2013 volume and price in the short term is difficult to reproduce.
2, policy risk: in 2014, along with the deepening of the impact of regulatory policies, market expectations may change, resulting in a decline in market turnover, which will bring direct pressure to the company's sales work, the land market will continue to maintain the situation of fierce competition.
3, policy risk: in 2014, the rising pressure of housing prices in first-tier cities and some second-tier cities of real estate control policies may be further upgraded, restriction of purchase and lending policies in the short term is difficult to abolish the time of the full implementation of the property tax is getting closer and closer, the real estate industry is still the focus of the regulatory field.
4, capital risk: 2014, the real estate industry indirect financing environment is difficult to have substantial improvement, the cost of capital will remain high, the difficulty of sales capital back, listed real estate refinancing four years after the re-opening of the floodgates so that real estate enterprises direct financing pile up, the capital market is facing a test, may be pushed up the refinancing audit standards.
5, capital risk: in 2014, the real estate industry indirect financing environment is difficult to have substantial improvement, the cost of capital will remain high, the difficulty of sales funds back to increase, listed real estate enterprises refinancing four years after re-opening the floodgates so that real estate enterprises direct financing piles up the capital market is facing a test, may be pushed up the refinancing audit standards.
6, building materials and labor costs may rise, which will increase the company's construction costs, compression of the company's profit margin.
Contents of financial management swot analysisOverview
SWOT analysis is often used to formulate group development strategies and analyze competitor situations, and it is one of the most commonly used methods in strategic analysis. When conducting a SWOT analysis, there are mainly the following aspects:
Analyzing environmental factors
Using a variety of research methods, we analyze the various environmental factors in which the company is situated, i.e., the external environmental factors and internal capacity factors. External environmental factors include opportunity factors and threat factors, which are favorable and unfavorable factors directly affecting the development of the external environment on the development of the company, belonging to the objective factors, the internal environmental factors include strengths and weaknesses, which are the positive and negative factors of the company's own development, belonging to the active factors, in the investigation and analysis of these factors, not only to take into account the history and status quo, but also to consider future Development issues.
Advantages, is the internal factors of the organization, including: favorable competitive situation; adequate financial resources; good corporate image; technical strength; economies of scale; product quality; market share; cost advantage; advertising campaigns and so on.
Weaknesses, also internal factors of the organization, including: aging equipment; management confusion; lack of key technologies; backward research and development; lack of funds; poor management; product backlog; poor competitiveness and so on.
Opportunities, is the organization's external factors, including: new products; new markets; new demand; foreign market barriers lifted; competitors mistakes.
Threats, also external to the organization, include: new competitors; increased substitution; market tightening; changes in industry policy; economic recession; changes in customer preferences; and unforeseen events.
The advantage of the SWOT approach is to consider the problem comprehensively, is a systematic thinking, and can be put on the question is? Diagnosis? and? Prescription? closely integrated, clearly organized, easy to test.
Constructing the SWOT matrix
The SWOT matrix will be constructed by prioritizing the various factors from the survey according to their priority or degree of influence. In this process, those factors that have a direct, important, substantial, urgent, and long-lasting impact on the company's development are prioritized, while those indirect, secondary, minor, non-urgent, and short-lived impact factors are ranked at the back.
Developing an action plan
After completing the analysis of environmental factors and the construction of the SWOT matrix, the corresponding action plan can be developed. The basic idea of the plan is: to play the advantageous factors, to overcome the weaknesses, to take advantage of the opportunity factors, to resolve the threat factors; consider the past, based on the present, looking to the future. The use of systems analysis of the comprehensive analysis method, will be arranged with the consideration of a variety of environmental factors to match each other up to be combined, resulting in a series of optional countermeasures for the future development of the company.
Guess you like:
1. accounting personal job search plan sample
2. product marketing program sample 3
3. talk about commercial bank marketing management essay
4. personal career planning swot analysis sample
5. entrepreneurial swot analysis table