Sunday, September 13, 2009

Sunday, September 13, 2009

特许经营与创业
两天前很荣幸受邀在第13届厦门品牌连锁大会上成为论坛主讲嘉宾。2740.114.2是什么密码？是历史上的重大日期？是IP?还是未来预言？其实这是中国商务部针对中国企业发布的资料。在中国每天有2740家企业倒闭，每小时就有114家企业破产，换言之，每一钟就有两家企业破产，那就是说，在中国每年约有100万家民营企业破产倒闭。这是两天前，我在第13届厦门连锁大会上针对《特许经营与品牌管理》这个主题发表演讲是带出的重点。中国商务部的资料也显示，中国企业的平均寿命只有7.3年，民营企业则平均2.9年。那要怎么样才嫩降低创业风险呢？与自己创业相对而言，特许经营其实提供了一个较为稳妥的创业模式！这是因为，特许经营是一个成功的商业模式、是一个被成功复制的商业模式；它也是一个让你缩减经商学习曲线的商业模式!美国现有76万7483个特许加盟商，创造就业工作超过100万分，特许经营系统的消费额为13000兆亿美元(1.3 Trillion)。中国拥有超过2600特许经营品牌，约有170,000间加盟店； 横跨60行业。中国2008年的零售消费额是10.8万兆亿人民币(约15498兆亿美元)，这个数目充分显示了市场之庞大。在众大特许经营行业中，餐饮仍是主导型态，占31.6％、便利店8.6％、装修业8.1％、教育与培训6.9％、美容6.6％、房屋中介3.1％、服装5.8％。特许经营提供人们一个较为轻松的经商的模式，但绝不是一个“保证”能让你成功的模式！因此，当准加盟商准备选择特许经营模式时，他可得考虑下列七点：第一，选择你最有信心进行行销与管理的商业模式。第二，问问自己是否具备从事这个行业的经验。第三，准备足够的资金，最好多出15-20%。第四，谨慎地选择适合自己的特许连锁系统：侃侃能否在自己希望经营的交易区经营；了解交易区的划分与管理机制；了解加盟的投资条件与其他要求；了解加盟的过程；查询首期付款的条件与其他加盟费用；还有特许商是否提高一些支援，如：广告、培训、业绩评估、教练与辅导等。第五，亲临现场视察与核查。第六，进行评估，费用、权利金、定位、历史、交易区、培训。第七，与特许商进行会谈，注意他是否重视你的意见，是否细心聆听、是否关心你，是否愿意了解你的感受与担忧？还是他只是关心你签约与否。那特许经营是不是都适合每个人。其实，这倒未必。特许经营其实不适合下列五种人：第一，不愿或不肯放弃一些经营主动权的人；第二，不愿意面对标准化流程与营运时间的人；第三，不愿或不习惯受到合约或长期约束的人；第四，具备丰富的经商经验者；最后一个是充满无穷创意，喜欢尝试新鲜的事物的人。特许经营尽管提供了人们创业上的便利，但任何经商的决定都应该是严肃，需要经过详加考虑的，然后根据自己的技能、经验、知识和才华做出判断，才是明智的决定！钟骏源新加坡NLP培训导师www.zhongjunyuan.com
posted by 钟骏源MBTI/NLP培训师 at 12:56 AM

Once you're here: Buying Insurance in Singapore Buying Insurance in SingaporeSome Common Plans:Life PoliciesThese typically cover you for major illnesses, death and permanent disability. Most also cover your medical bills if you are stricken by illness or hospitalised, taking the financial burden off your family or loved ones. Usually, major illnesses covered include cancer, heart attack, coma and others. You will also be covered if you are seriously disabled and unable to continue working. Such long-term policies also provide income after your retirement.Endowment Schemes and Investment-linked PlansThese often combine both savings and protection, and are particularly attractive for parents looking to put aside some money for their children in the future. Investment-linked plans usually make use of the premiums you pay to purchase life insurance protection and units in a fund administered by the insurance company.Health & Disability schemesHealth policies cover you in the event of a debilitating illness, tiding you over any expensive medical bills and loss of income. Usually, medical insurance is divided into Hospital and Surgical policies, and Hospital Benefits. The former covers expenses incurred in hospital, like X-rays and operations, while the latter supplements it by covering a pre-set amount per day for each day you are hospitalised (up to a certain number of days). Some companies also offer medical insurance plans that cover you when you are abroad.Life Insurance: A Basic PrimerLife Insurance is somewhat like writing as will - We think about it or talk about it every so often, but few of us actually do anything about it! Health InsuranceWhat pitfalls may await you, unless you look carefully into it.TravelTravel insurance typically covers you for death, permanent disability, medical expenses, personal liability, loss/theft/damage to baggage, personal effect, and travel delay incurred during the course of your business or leisure travel. Policy holders can also take out protection for immediate family members. Premiums could depend on your line of work.MotorThis type of insurance covers you for vehicle loss or damage caused by accident, fire or theft and windscreen damage. In addition, personal accident cover also includes medical expenses cover for you and your passengers if there is an accident. Third party cover will include death or injury to any third parties and damage to third party's vehicle or property.Home InsuranceProtects your home against fire, theft and other hazards. Basically, home insurance covers theft, expenses for removal of debris, malicious damage like vandalism, and hazards like fire, lightning, explosions and bursting of domestic water tanks. In addition, accidental deaths caused by thieves or fire are also covered.
Should you have any query on insurance or purchasing insurance, feel free to contact me.
如您有任何有关保险或购买保险的疑问，欢迎 与我联络. 我将尽我所能来帮助您。