In today's social life, the use frequency of business plans is on the rise, and business plans play an important role in attracting needed human resources and rallying people's hearts. Do you know the format of business plan? The following is my self-media business plan template, welcome to share.
1, background
There are still many sub-sectors in the Internet finance industry that can be cut in and innovated. Last year, I thought about transformation and cut into the tourism finance industry. Later, for other reasons, I extracted some business plans written before and shared them with you.
After nearly two years of rapid development, the industry has spawned a large number of P2P platforms, but the concentration of the industry is getting higher and higher, gradually forming a national and regional oligopoly, and the competition in the whole industry is becoming increasingly fierce, but also full of opportunities. The customer acquisition cost of the whole industry has also been pushed to a very high level. At present, the cost of acquiring an investment user in the industry has exceeded 3,000, while the per capita investment amount is only 30,000 to 50,000, not counting the loss of users. Therefore, if we want to get 1 10,000 effective investment users, the marketing cost will exceed 30 million, which has not taken into account some additional expenses such as personnel cost and rent.
The difficulty in getting customers in the industry is actually the result of blind imitation and over-marketing. We take cooperation with travel agencies as a starting point, give credit to travel agencies, and locate this group that pursues freedom and happiness after 1980s and 1990s. On the one hand, we will stage tourism consumption finance, on the other hand, we will manage their money and make a travel fund. Save them money and facilitate their travel. At the same time, the late development of app, cut into tourism socialization, design high-end routes, and tailor-made tourist routes for users.
2. Industry analysis
At present, the number of users in the entire p2p industry is nearly 2 million, and the number of Internet financial users has exceeded 654.38 billion. According to iResearch statistics, more than 90% of Internet finance users are post-70s, post-80s and post-90s, and these people not only have the habit of Internet finance, but more than 60% of them are parents for the first time, because when the competition in the Internet finance industry is becoming increasingly fierce, the industry is not lacking in innovation. Similar to the baby wallet positioned as a new father and a new mother, it is positioned as the handy savings of Jiufu, a moonlight family, and a worker's treasure of noah wealth, a senior white-collar worker and a middle class.
Baby wallet is specially designed for new parents who have Internet financial habits. Its positioning is the emotional marketing of parents who love their children. After being online for one month, it quickly gained more than 65438+ 10,000 registered users. There is not too much marketing promotion, just relying on friends' recommendation and viral marketing. When they quickly accumulate users, they can cut into the maternal and child e-commerce market in the future.
At present, the existing 1 100 million internet financial users are also the main users of the tourism market. According to statistics, more than 70% of the post-80s and post-90s travel more than once a year, while the domestic tourism market has an existing market share of nearly 3 trillion. More than 50% of post-80s and post-90s consumers travel more than twice a year. These users have a good credit environment and a certain repayment ability and willingness, including the current Tuniu. Including Huaxia Bank, Shanghai Pudong Development Bank has also begun to cut into travel agencies and cooperate with some large domestic ota companies to provide credit to its users.
At present, the market development of China's consumer finance is less than 30%, far below the level of Europe and the United States. Now, a large number of real estate companies, e-commerce companies and banks are already laying out and carefully reclaiming this blue ocean. According to the statistics of iResearch, the domestic consumer finance market will reach 27 trillion in 20 17 years. Tourism consumption finance will occupy a relatively large market share.
3. Our development direction
Different from other Internet financial platforms, we focus on tourism segmentation. A considerable number of Internet financial users, who are also tourists, cut into the tourism industry in stages through tourism consumption, increasing extra income for a large number of travel agencies, expanding the market and increasing profit points. At the same time, it is convenient for tourists to manage their wealth and assets, so that their wealth can appreciate. However, our platform is only an intermediary. Later, high-end tourist routes were developed to customize services for tourists.
In the later stage of the platform, an app will be developed, and functions such as making friends socially and applying for a travel agent by self-recommendation will be added. Through social ways and time sharing, it greatly increases the interest of travel, at the same time increases the brand of the company, increases the viscosity and usage frequency of customers, and precipitates a lot of content.
China tourism has experienced self-help tour and group tour. At present, the public has reached a certain level of affluence, so they are more in pursuit of spiritual experience, high-end tourism, vacation and leisure, and even such travel agencies. Relaxed and lively travel mode will be the mainstream in the future.
We plan to achieve a turnover of over 65438+ 1000 billion yuan within one year. Based on an average of 5,000 transactions, we need to achieve more than 200,000 transactions. In the early stage, we mainly cooperated with travel agencies, so it is easy to expand the scale. In the later stage, financial products can be designed for the debts receivable by travel agencies and hotels, which can better penetrate into the tourism industry.
4. Company planning
In the early stage, the company mainly developed mobile phone WeChat, cooperated with travel agencies, designed financial products and set up a marketing team. At present, the mobile Internet has become a trend, and mobile phones connect people with various consumption scenarios. Through the cut-in of mobile WeChat, we can get traffic and users through product innovation and new media marketing, and connect all travel agencies through this product. The initial plan of the team is 8- 10 people, including business personnel negotiating with travel agencies, new media operation, customer service, financial product design, risk control personnel, art technicians, etc.
5. Proportion of each business segment
In the later stage, we will design high-end tourist routes, increase new profits by organizing tours and other all-round services, and develop an app with the functions of tourism socialization and community sharing, and encourage users to be active through the points system and tourist coins. The accumulated travel money can be exchanged for some outdoor products and even rewarded for free travel. Through the sharing of words, pictures and travel diaries, there is a lot of content in the platform, which can be spread and marketed through WeChat and self-media. It is planned to achieve a turnover of 1 100 million yuan during the year, and at the same time, it has 10-20 self-designed exclusive tourist routes, with more than 1000 trips and more than 1 10,000 users. At the same time, venture capital is introduced to carry out the A round. Then expand the market, including setting up its own risk control team, collection team, marketing and brand, and cooperating with tourism real estate companies to design holiday tours and other products. I hope to keep the balance of payments within one year and occupy a certain market share. And can continue to make profits.
6. Profit analysis
According to our planned transaction volume of 65.438+0 billion and 4% interest margin, the gross profit we can get from travel agencies can reach 4 million, and the customized route is calculated at 6,000 yuan per person, with a gross profit margin of 654.38+05%. The gross profit is nearly 900,000. It is conservatively estimated that the income can reach 500-100000 within one year. According to the calculation of 10PE, venture capital was introduced in round A, and the company's valuation exceeded 100 million.
If capital is introduced in the later stage, it will accelerate the introduction and development, expand business, especially get through travel agencies all over the country. Different from Tuniu, we started as a tourist consumer finance, and later we can integrate lines to provide value-added services. According to the forecast, we can break even within one year. Compared with domestic ota companies, we have a very clear profit model from the beginning, which can differentiate competition instead of falling into the strange circle of burning money to obtain users. The later business segment can also involve cooperation with hotels, tourism real estate, holidays and other projects to create additional value for users, but it is only expected for the time being, and its income-generating capacity is unpredictable.
At present, the penetration rate of domestic online travel companies to the tourism industry has not exceeded 10%, but it has exceeded 50% in European and American countries, and there is still much room for improvement. With the continuous improvement of domestic income level, outbound travel and high-end customized travel will break out in the future. Among them, the market share of tourism consumption finance, outdoor and holiday tourism will continue to increase. In the next decade, tourism will be a rapidly developing industry.
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