How to describe a business model for a bank. Business Scheme Example for a Bank Business Scheme

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From this article you will learn:

What are the basics of running any business
What are the rules for doing business
Why do you need a business plan
What to look for when developing a business plan
How Russian reality influences the choice of model
What business models are used in practice
What are the features of doing small business in Russia
What business methods are most effective
What CRM software to use to make your business easier
Does the internal and external environment affect the conduct of business

In fact, a novice businessman needs quite a bit: promising idea, the makings of an entrepreneur and a small amount of money for good start. But even those who do not have all of the above have every chance to start a profitable business. The main thing is to choose the right direction. In this article, you will learn what smart business is.

Business Basics

To understand the basics of entrepreneurship, you first need to clearly understand what a business is in principle. At first glance, everything is clear. However, the usual understanding of business is superficial, and therefore needs to be supplemented.

First of all, we note that business is one of the urgent needs of people. But not for everyone, but only for special individuals. Who are they? These are individuals who have very strong energy. Therefore, people most want to start their own business with powerful potential. Of course, there is nothing wrong with this. But in order for a powerful energy flow not to harm anyone, it must be spent. That is why such individuals open their own business. Running a business for them is a way to direct energy into a productive direction.

Of course, there are other ways to release energy. But doing business is the most exciting and optimal, because it allows you to earn. That is, he converts energy into money. It turns out that doing business is the monetization of the entrepreneur's internal resources. As for its foundations, it is knowledge about the efficient conversion of energy into money.

Let's go even deeper and find out where, in principle, is the source of a person's energy, the one that gives him strength and motivates him to create a business, turning him into an entrepreneur. It's simple - energy is formed by a born idea. A person wants to realize it, and therefore starts a business.

Many people open their own business just because they really want to do business without having practical knowledge and skills. In fact, they are doing the right thing. Where are they taught to promote new ideas that no one has promoted before? Nowhere! An entrepreneur gains knowledge and experience in the process of work, learns from his own mistakes. But at the same time, a businessman can learn how to work with ideas - both in general and with some specific ones.

To know how to work with ideas means to understand the basics of doing business. This knowledge can be obtained by absolutely everyone, in contrast to the knowledge of working with specific ideas. It happens that entrepreneurs manage to develop their product or service without an appropriate theoretical basis, and they are helped in this by a very strong intrinsic motivation. It is she who gives strength to cope with difficulties and successfully run a business. But mistakes and failures still happen and often.

So, a person draws all the basic knowledge about business, the basics of its conduct from his idea. It is she who intuitively tells what to do and how to do it. Accordingly, at good entrepreneurs have a business sense, and therefore they are not interested in learning business. The main thing for them is to tune in to the idea in order to develop it competently.

It's a business idea, not start-up capital, as many believe - a fundamental factor for the development of the business. Those for whom money is at the forefront are not entrepreneurs at their core. Let's say more - thoughts solely about making money interfere with the competent promotion of a business, since they are motivated to work solely for the sake of money, capital accumulation, and not the development of an idea.

Business rules that work in any situation

There are many examples of well-known US millionaires going bankrupt but rising again and reaching new heights. What's the secret? The fact is that when building a business, they observed two rules - simple and unpretentious, but extremely difficult to implement.

Rule one. Tell yourself that you will implement your idea until you reach your goal and create a successful business. Let it turn into a life credo. And when you come to the first results, non-standard ideas for maintaining and improving your project will immediately appear. Thanks to new knowledge, experience, skills and an expanded outlook, you will see new opportunities and perspectives.

Rule two. Don't be afraid to miss. Learn from them, turn another failure into an event that brings you closer to your desired goal. How many failures can you handle? And how much is needed? Exactly enough to reach the goal!

But that's not all, it's just a start. When developing your business, be sure to consider other rules for building and maintaining efficient business, and there are many of them. Otherwise, you won't succeed.

Of course, we do not mean those well-known legislative norms that all businessmen must follow - this is an indisputable fact. We are talking about the unwritten rules by which any entrepreneur can achieve success.

So, rule one. When making decisions about a business, consider its prospects. That is, if you face a dilemma - big earnings immediately, but an uncertain future, or relatively small profits, but with serious growth prospects - choose the second path. Only in this way will you come to real success, and the business will flourish.

Second rule: You need to know at all times what is happening in your business industry. The owner of the company, who has no idea about the trends in the development of his niche, can be safely called incompetent and unprofessional. If you are interested in business, you can anticipate potential problems.

Third rule: do not produce more products than necessary to avoid overproduction. If there is no buyer for the goods, you will work “for the warehouse” and, of course, will not earn money on it.

Fourth Rule orders to stop production if the goods are of insufficient quality. If the product does not meet the established standards, it is better to suspend manufacturing process find out why this is happening and try to correct the situation. Don't risk the name of the company.

Fifth Rule related to the ethical side of things. Build relationships with partners, suppliers and employees only on the condition of mutual respect. Only if the relationship is modeled in this way will the project bear fruit.

sixth rule quality work - well-selected staff. Without it, modern business will not be successful. The team should consist of people interested in the development of the company. Make sure that employees are personally interested in achieving goals - thanks to this, work will become much more efficient and effective.

Rule seven: do not be afraid to trust the staff of your organization with responsible assignments. After all, it often happens that an ordinary employee knows some questions better leader. If your employees can make decisions, let them do it. When people understand their own importance, they begin to work more productively.

The above rules are key for an entrepreneur interested in growth and profit. By following them, you can build a profitable business.

Business scheme

A business plan is somewhat similar to a business plan. It also shows all the important elements of successful operation and the path to a high position in the market. It is better to draw it up even before registering as an entrepreneur. The key points will depend on the scope of the business - Agriculture, production, trade, etc. But there are general provisions. It is in accordance with them that a business strategy should be formed:

After registration, the business scheme looks like a list of priority tasks that an entrepreneur must complete:

select and rent suitable premises, taking into account the direction of the business;
hire qualified specialists to make the activity successful;
establish contacts with potential customers and clients;
if necessary, form a client base;
organize the production or sale of goods - open retail outlets, take care of the availability of production facilities.

All these actions must be coordinated with the developed business plan or scheme of work, and then the inconsistencies must be eliminated. Activity planning is in principle important for both small and big business. Even if an entrepreneur works alone, it is still useful for him to analyze his work in a timely manner and form a plan for certain period, be it a month or a year. If there is no such plan, the project may become less efficient and profitable, since even with a large income, a businessman runs the risk of not noticing significant financial losses and conducting unprofitable activities. It is important to constantly study the offers on the rental market. That is, you can significantly save on renting an office or production space. The main thing is to find a cheaper option, but a good one.

It is also necessary to assess the market conditions for goods that a businessman produces or sells. Due to inflated prices, demand may fall. Very low prices, on the contrary, can lead to unprofitable activities.

The project management scheme is developed by the entrepreneur himself. But you can trust this to a specialist. All that a businessman will subsequently have to do is just follow it in work.

Why do you need a business plan?

A business plan is a document that answers all questions about a project and gives full view about the company's performance in the short term and long term. The plan can be adjusted if current plans and strategies change.

The practice of doing business is rich in countless force majeure that can affect the outcome of cases. There are so many of them that it is unlikely that we would be able to talk about them in the article. In addition, taking into account all the circumstances in one document and forming tactics of behavior when they appear is an almost impossible task. A logical question arises: do you need a business strategy, or are there enough basic techniques that can be used as needed? Experience shows that it is still useful to have a plan.

This document accomplishes two goals:

1. Business plan for "internal use":

As you know, 10 minutes spent on planning saves an hour of intensive work. If a small business segment company has a well-defined plan, management processes become more streamlined. This is especially true when working in a team. Such a plan excludes discrepancies. In addition, it indicates how each team member should act in a given situation.
Control over the effectiveness of activities. In a quality business plan, the main points-indicators are indicated, to which the company must come after a certain period. By how clearly you go through them, you can judge how effective business processes are and improve them if necessary. Also, you have no doubt that employees are striving for the right goals if management is temporarily absent.
Risk reduction. As already mentioned, force majeure in business is impossible to predict. But a generalized scheme of behavior in a critical situation is a useful thing. Typically, such measures are universal and reduce risks. Information about who, when and in what situation they will undertake should be included in the business plan.

2. Business plan for investors.

A master plan for doing business is needed not only for internal use. In some cases, it can be provided to outsiders. Often, a business plan is analyzed by potential investors in order to draw conclusions about the feasibility of investments. The decision of the investor to cooperate with you depends on how well all the nuances are worked out in it. The business plan acts as a conditional "debenture" and must be followed.

A good business plan is about making your business easier.

Before compiling it, it is necessary to assess the current situation in advance and analyze the information. One of the most popular tools that allows you to preliminarily assess the situation, especially in small businesses, is a SWOT analysis that structures all the data.

What is a SWOT analysis? It is needed to assess the internal and external resources of the organization, to draw up an objective picture for the business plan. It includes elements such as:

strengths- Weaknesses of the product or service. Here you can note the low cost of the goods, the high professional level of employees, the innovative component in the product, the beautiful packaging design or high-quality service, etc.
Weakness- weak sides. For example, the company does not have its own retail space, the brand is not very recognizable among the potential target audience etc.
Opportunities- business opportunities, for example, the use of new materials and technological solutions, additional funding, etc.
Threats- Threats to business. Here we can talk about unstable economic situation or the political situation in the state or region, the peculiarities of the mentality of buyers, the level of technology development in the territory where the project is being implemented, etc.

Before proceeding to the detailed completion of the sections of the plan, prepare the maximum amount of additional data on the future project. Analyze the industry, find out what methods you can use to promote the product, study the competitors. Also evaluate how much your company will make tax deductions, what resources the future project has, for example, financial, intellectual, temporary, personnel, etc.

Based on this data, you will understand how to develop effective plan, and you will not simultaneously search for information for its sections. You will save time and achieve good results.

What is the basis for choosing a business model in Russia

The place of business is a very important parameter. In management, as in an activity management system, the mentality of the citizens of the state on whose territory the company operates is taken into account. There is still no developed and well-established business culture in Russia. It can be said that there are no own development models, since from the very beginning the goal is set for firms to approach European standards.

The mentality is a very strong element, which cannot be said about the unstable market conditions. Therefore, if an entrepreneur does not take it into account, then he dooms himself to improperly organized business processes in advance.

When establishing a business in Russia, he should take into account two main features of the mentality:

Family ties that are still valid today. They do not allow organizing a business taking into account exclusively the professional level and qualifications of contractors
The Russian businessman first calculates the income of a competitor and tries to do everything possible to beat him. If there is no such prospect, he simply does not start a business.

Because of these two factors Russian business develops slowly. As a rule, the behavior of modern Russian enterprises not an internal mission, but the desire to form a certain image. In principle, this is also a rather positive trend, despite the presence of pragmatic goals.

Taking into account the specifics of the mentality in management, different types of thinking are formed. Now in Russia there are the following:

Industrial: it is based on the product, methods, tools and volumes of production. On concepts external environment, the needs of the target audience and the target audience itself are not focused on.
Marketing and financial: the main objective doing business with this approach - to achieve desired level sales and operating profit. The result of actions within this system of doing business can be a formed brand. However, it will not have a value component.
Communication: is formed on the basis of forecasting and modeling the development of business processes. Entrepreneurial activity is a system of interaction between groups of persons that influence the existence of an enterprise ( we are talking about about founders, managers, employees, clients, contractors, government agencies, media, competitors, public institutions).

The term "business model" is often confused with strategy, resulting in a substitution of concepts, or it is considered one of the elements of the strategy. This confusion is explained by the fact that the concepts are similar to each other, but at the same time they are not the same. They differ in the following points:

The factor of value creation and their transformation into income. The purpose of a business model is to describe the method by which an enterprise earns from a product or service. The strategy captures more distant prospects and creates a stable competitive advantage.
Business value or owner income. Turning the cost of commercial activities into income for the owner is not the primary goal of the project's business model. And this is what makes it different from strategy. That is, it does not focus on ways to make a profit, but at the same time it significantly affects the income of the company's owners.
The level of qualification in the field of commercial activity. To form a business model of an enterprise, special knowledge is not needed. However, in order to develop a strategy, a more in-depth analysis is needed, for which you need to have certain knowledge in the area where the company is developing.

For a visual representation of the relationship between a business model and a strategy, pay attention to the formula presented by M. Levy:

V=MS, Where

V - value, M - business model, S - strategy.

It shows that a company that wants to implement the chosen strategy should choose the most optimal business models for itself, on the basis of which it will subsequently develop and create value for consumers.

Types of business models

Franchising. A form of relationship between business entities in which one transfers to another the right to engage in certain activities according to an already existing and proven business model.
Direct sales. Realization of consumer goods and services from person to person outside stationary retail outlets.
B2B(Business-to-Business - business-to-business). Form of information and economic cooperation. B2B cooperation is classified by the type of persons involved in it - in this case it is a legal entity. Businesses supply goods and services to other firms, not to end customers. Let's say they make promotional materials for another organization involved in their promotion.
B2C(Business-to-Consumer - business-to-consumer). A type of electronic commerce activity, the purpose of which is direct sales. An effective solution to the problem of territorial remoteness of large and small cities through unification pricing policy and delivery services.
B2G(Business-to-Government - business for the government). There are two participants in the system - the state and business. This business technology characterizes e-commerce and is used, for example, in the organization of public procurement.
G2B(Government-to-Business - government for business). A set of software and government tools for online collaboration executive bodies authorities and commercial structures (websites of government agencies, public procurement, and so on).

Forms of doing business are classified differently:

1. Manufacturer. In this case, physical goods, intangible products (music, films) or services are produced. Who will act as the target audience - the client or the distributor? The main goal here is to produce a sought-after product and deliver it through an efficient channel.

This business model is of 3 types:

Direct marketing to the consumer, within which the product can be bought in an online store or a traditional outlet owned by the company. Such a system of doing business has a number of advantages: there are no intermediaries, income is growing, and relationships with consumers are built directly (through free support, a detailed presentation of the product, and so on).
Sale to distributors and wholesalers and retailers. The goods are sold to special specialists in the field of trade, able to reach end users across multiple channels. Most of manufacturers fall into this category.
Transfer of exclusive rights to distributors. Manufacturers enter into a cooperation agreement with one or more intermediaries. So they form a monopoly on competitive products in a certain territory and receive large profits. Among the representatives of this group of sellers, for example, auto manufacturers, film producers and writers.

2. Distributor of goods and services. Intermediaries are the main link between the manufacturer and buyers. Their task is to combine products from different companies in order to scale sales. Distributors improve margins and reduce logistics costs. The competition in this market is very tough.

In this model, the following types are distinguished:

Retail(including e-commerce) for a wide range of purposes, where a lot of vertical products are involved. Buyers interact exclusively with distributors for all products, and this is a value proposition in such a business. For example, Amazon and Walmart online platforms work according to this model.
Niche Orientation(narrow focus). In retail general purpose a wide range of goods is sold, and distributors of product specialization work with a certain group of products. Examples of doing business under this model are Toys ‘R’ Us and Babyoye.
Club of personal sales. Here, consumers pay a certain amount for membership at regular intervals, and thanks to this they receive personal access to an exclusive system of discounts on leading brands. For example, Costco, Sam's club, Gilt, Exclusively.
One product per day. Woot operates according to this business model. Instead of selling hundreds of products, the firm offers just one product each day at a deep discount. Thanks to this, manufacturers are able to get rid of excess stock in the shortest possible time, and the distributor is able to sell products in large volumes. Consumers receive information about a particular product every day.

3. Integrated model. It is used by traditional retailers whose goal is to increase the flow of customers at the expense of Internet users. So, buyers choose a product and pay for it on the distributor's website, and the store or warehouse gives them this product.

4. Razor and blade model. In accordance with it, one product is sold at a reduced price with an eye to the subsequent sale of another. Business Examples: Most Gillette razors are inexpensive. But in order to buy cassettes for them, the buyer needs to spend money. To support this business model, the complementary product must be protected by a patent or tied to a platform so that competitors cannot release it.

5. Brokerage business model- an element that connects buyers and sellers, with the receipt of a commission for their services. It brings huge profits when using the monopoly advantage. This business technology differs from others in scope and network effects. It does not give the desired results without the proper number of sellers and buyers.

In total, this business model can exist in 6 variants:

Sale physical goods. Buyers become bidders and the highest bidder takes the product. According to this model, the world-famous Ebay platform works effectively.
Rental of physical goods. Buyers for a limited period of time (usually on vacation) open access to real estate offered for sale. This is what Airbnb.com does, for example.
Platforms for the sale of virtual goods. For example, Apple and Android firms offer to buy third-party applications for platform users.
financial goods. This category includes all brokerage companies, banks and financial institutions.
Social services. Sites such as oDesk, Elance, 99designs, Amazon Mechanical Turk (MTurk) offer their audience services for certain types of work that are popular with buyers (employers).
Experience. On the Sweemo website, users can experience new sensations and get unforgettable impressions from visiting a vibrant show, backstage, studio, etc.

6. Business model of the landlord. The company rents premises or goods for fixed time for a certain price. This group includes hotels, airlines. This business model applies to physical goods. But in recent years, it has also extended to Internet products, for example, e-books, music.

7. Advertising business model- Leading in the work of Internet sites. The basis of their main income is content generation. Website content and advertisements is developed taking into account the peculiarities of the Internet business model.

If the content is interesting and provides an influx of users to the site, the businessman places his advertisement. The main difficulty of this model is the AdBlocker tools (some fragments of the page with unpleasant banners, pop-up windows, etc. are blocked), as well as the wary attitude of the site's audience towards advertising.

This business model is presented in 3 main types:

8. Subscription based business model. In accordance with it, income is generated from periodic payments of clients, for example, telephone and rent of houses. The business model is also suitable for those companies that create software and offer it as a service (SaaS). The main problem of the model is the mass termination of contracts with subscribers when they switch to competitors or to another product.

9. Affiliate (affiliate) marketing . The main component of the model is the service provided to the client. At the same time, as an addition, he is offered to become a member of the affiliate program for a commission. Good example Model Applications - Indian search system justdial. Users contact the company for information about hotels, establishments Catering etc., and Justdial connects them to 3-5 service providers for a commission.

10. Multilevel marketing. The purpose of doing business under this model is to move some customers into the category of sellers. Typical representatives are Amway and Tupperware. In accordance with multi-level marketing, the client audience is divided into certain levels. Buyers who actively refer their acquaintances and friends to the distribution company receive the highest rewards. The main problem with the model is that consumers often resist and are afraid of commercial interest in themselves.

Features of doing small business in Russia

Aspiring entrepreneurs start their own business for a number of reasons. They close the business for an even more extensive list of reasons. Yes, the dashing 90s, which everyone knows about, have long sunk into oblivion. The legislation of the Russian Federation has stepped far ahead, and despite the gaps left in it, small business in Russia is no longer a gamble.

Doing small business in Russia has specific features due to a number of conditions, in particular:

political environment;
economic situation;
measures taken by the state in terms of development economic activity;
support measures;
legal assistance to the small business sector;
tax policy;
financial and credit conditions;
standard of living in the state.

So far, all of the above factors are far from ideal, which interferes with the normal conduct of business, and this should be taken into account by everyone who plans to start a business. And this situation will continue until Russia develops, including in production line, thanks to the economic, legal, social, tactical measures laid down by the government.

Rosstat data show that 50% of all small business segment companies are trading companies. Why? The point is to take industrial premises rent is now expensive, paying taxes seriously hits the pocket, and the state does not provide special support to entrepreneurs. It is much easier to open an office and sell something to order than to release and then sell the product. And this is the way of thinking of every second novice businessman.

Also, young entrepreneurs are afraid of tax officials and representatives of government agencies. But today these fears are completely unsupported. If your plans do not include the sale of prohibited products (drugs and weapons), then you will not often have to deal with officials. And if the accounting is in perfect condition, then never at all. Be that as it may, both entrepreneurs and the state should strive to create fair and comfortable conditions for doing business.

3 business practices that have proven to work

"Chinese" method

Characterized by speed and mobility. For a businessman who works according to this scheme, the main thing is more and cheaper.

All profits must be collected within 3-4 months, otherwise someone will certainly come up with something cheaper. Entrepreneurs should be ready for quick earnings and a lot of business ideas, even if they are shallow, because they lose their relevance in the shortest possible time within the framework of the “Chinese” method. New entrepreneurs are emerging, improving these concepts and making them cheaper. Therefore, there is a risk of being out of work.

Everyone chooses the way of doing business individually. If a businessman does not like to prepare for a long time and is interested in making quick money, this form is not for him. If his plans are to use loans, then you need to have 10-12 ideas at once. Only in this case, the entrepreneur can achieve the desired results.

Businessmen following the "Chinese" model are constantly generating ideas. They quickly get bored with everything, and they easily start everything new, with little or no fear of difficulties, unlike others.

The courtship method

This way of doing business is suitable for those who like to look after others. Example: you are selling upholstered furniture and I. How will we compete? We are compiling such an advertisement: if you purchase upholstered furniture from me, and not from a neighbor, you will receive an armchair as a gift. That is, bypass competitors due to the fact that you provide additional services.

The essence of this model is that the client needs to demonstrate quality service. You will always have customers, not because you are a professional, but because you know how to provide quality customer service. The "caring" method is aimed at long-term business. The main thing here is not to create a network, but an atmosphere. When a person wants not to eat a certain dish, but just to go to a cafe, because he likes the service, environment, atmosphere. That is, it is important to establish contact with consumers, to be able to serve them qualitatively, and the highlight should be precisely in the services, since the content will not differ from competitors in any way.

Aristocratic method

Exclusive products for the "chosen ones". Suppose you are a master jeweler. You have made a piece of jewelry with the engraving “Faith. Hope. Love” specially for the family, where the grandmother's name is Vera, the daughter's name is Nadezhda, and the granddaughter's name is Lyubov. That is, the product is exclusive. Accordingly, its cost is high, since it was created for a limited circle of consumers.

The emphasis in this model is on the exclusive. You are selling a product intended exclusively for someone. Therefore, it costs corresponding money. Let's say a well-known business coach conducts trainings for 100 thousand rubles. The high price is due only to the promoted name, despite the fact that the coach graduated from the same higher educational institution, like others. Exclusive clients go to him in order to say later: "I attended the training of this specialist, I can afford it."

amoCRM.

A simple SaaS CRM system for creating a database of contacts and accounting for transactions (linked to contacts). Contacts and deals can be tagged. Based on the amount and status, a sales funnel is formed. There is an API. It is possible to add fields to deal cards. Integrates with MailChimp.

Megaplan Sales.

The tool provides joint business management for small and medium-sized enterprises of any profile. Designed for increasing sales, personnel management and remote work. The system is equipped with CRM, invoicing, transaction control, task manager, file server, internal mail, forum, module for working with employees.

Client base.

A simple and convenient system that allows you to maintain a single database, create any tables with more than 8 types of fields, differentiate access rights for users to information, make personalized e-mails by scheduling time and attaching files, create documents with templates based on the database from any tables and so on. It comes in 3 versions: Local, Web and SaaS.

Simple Business.

Tool + software client with which it is convenient to manage tasks, projects and allocate your time. It is also designed to automate the management of a company, a corporate website, communication and teamwork (e-mail, telephony, video and audio conferences, chat, etc.), relationships with customers, employees. It also allows you to automate the workflow and submission of reports to the tax office and funds, management of accounting and contractual documentation. Suitable for installation on your own server.

fresh office CRM.

Cloud ecosystem for business. Consists of the following modules: CRM, Marketing, Workflow, Orders, Telephony, Analytics, Warehouse and Financial Accounting, E-mails, Chat and others. The user's enterprise collectively works in one window of one application, continuously evaluating the effectiveness and monitoring the activities of each of the departments. It is safe to say that the program provides ease of doing business.

wire crm.

An online customer accounting tool that can be successfully used by entrepreneurs, small and medium-sized companies. WireCRM provides a basic set of accounting tools (Contact Manager, Deal Accounting, Event Calendar, Integration with mail and telephony, Export and Import). Also, this business system has an application store that allows you to install additional functionality. The tool is simple and not overloaded with unnecessary features, however, if required, they are easy to add.

Zoho CRM.

CRM for small business segment companies. Offers modern Ajax tools. Advanced features for sales management. Integration with other Zoho services (spreadsheets in particular). The program is also equipped with built-in means of integration with the company's website. The interface is provided in Russian.

Salesap CRM.

Online service for accounting of clients and transactions. It saves the entire history of dialogues with customers, records calls, allows you to monitor staff, manage tasks and projects, and receive reports online. Independently creates tasks at each stage of the funnel, notifies about the upcoming deadline and automatic mode sends an SMS notification to the client.

Things are going.

Cloud CRM for small businesses. Convenient and easy to use. A significant advantage is the affordable price.

GEN CRM.

Convenient and functional service for doing business. Integrates with the website, e-mail, telephony, SMS mailings and e-mail, Yandex.Metrica, 1C and any other external system. Powerful analytics: sales funnel, bounce analysis, summary of the day and other reporting.

Successful business on the example of Facebook

The history of Facebook is a great example for all companies seeking to achieve success in entrepreneurial activity. The social network has become ubiquitous, becoming famous all over the world, and its founder, Mark Zuckerberg, has become the youngest billionaire in history.

It is important to understand that Facebook has taken the first position in the world for good reason. He received a breakthrough in the Internet space thanks to a solid foundation - the scientific method.

The scientific method of doing business is a set of methods for obtaining new knowledge within the framework of a particular science. And here Mark Zuckerberg's breakthrough is almost no different from discoveries in the medical industry or, for example, in physics.

Facebook is not only a consequence of the implementation of the talented ideas of a simple Harvard student. Appearance social network- a logical continuation of the centuries-old development of communication systems between people.

Einstein and Fleming didn't make breakthroughs from scratch either, despite being geniuses. Their discoveries are made on the basis of the information that other researchers have been accumulating for hundreds of years.

The main advantage of the scientific method is that it allows you to evaluate the potential of an idea before it is realized.

To understand what helped companies like Facebook or HubSpot skyrocket, look at a simple model proposed by a well-known venture capitalist named Chamath Palihapitiya. At one time he served as vice president of development for Facebook:

There are 3 stages here:

The top of the conversion funnel. Traffic Sources and Conversion Rate.
WOW is the moment when a person realizes a real need for your product. Early experiences and first impressions are formed.
The main value of the product. The stage at which the customer begins to solve their problems with the product.

The point is that for the stable development of a business, you need to pay attention to each stage. If the product is not in demand, it is pointless to try to increase traffic. It is also inefficient to improve the quality of the product if there is no competent lead management.

When improving business processes in a scientific way, certain sequential steps are taken.

Step One: Generating a Hypothesis

First of all, you need to establish what issues are the most relevant for you - distribution channels, target audience, market positioning, or maybe an advertising strategy?

Step Two: Prediction

At this stage, a hypothesis is developed and appropriate conclusions are drawn. In our case, it looks like this: “Since the representatives of our target audience are mostly students, placing advertisements in printed publications will not give the desired results.

Step Three: Check

The hypothesis formed at the previous stage needs to be tested. For example, students can be surveyed to find out how often they buy newspapers and magazines, and whether their attention is attracted by advertisements placed there. But first, it is better to check the initial hypothesis and understand whether your main target audience is really students.

Step Four: Conclusions

If the test shows that the hypothesis and assumption are correct, it is necessary to study all the collected data and draw conclusions.

If an error is found, make a new guess and propose a new hypothesis. Remember, even the wrong step is a step towards the goal. Therefore, do not be afraid of experiments and mistakes.

Does the environment affect business

According to some researchers, on efficient work all elements of the company directly affect external factors. Here we mean the "external business environment", which is characterized by:

frequent fluctuations in the exchange rate;
fashion market trends;
consumer demand for a particular product.

Aspiring entrepreneurs should understand how important it is to adapt to the needs of the general population if they plan to produce products specifically for them. And it doesn't matter if they want it or not. If the goal of entrepreneurs is not only to keep the company afloat, but also to increase its assets, they should certainly take into account the influence of external parameters.

Internal factors of functioning (internal business environment) of an enterprise characterize:

volume of produced and sold goods,
number of outlets (economic business environment), their strategic location,
staff qualifications,
staffing,
the atmosphere in the team, the relationship between management and staff,
satisfaction of the organization's personnel with their position,
the degree of responsibility of the attitude of each employee to work,
the level of commercial education of the head of the company (business environment of the company).

The external and internal business environment are fundamental factors in the activity of any enterprise.

When doing business, responsible divisions of the enterprise are necessarily formed. If the external environment sets the requirements for the demand for a particular product, and the company does not satisfy the needs of society, then it is time to convene a board of directors and solve pressing problems, adjusting the development and conduct of business, closing the production of individual products, opening new branches and subsidiaries that will produce the desired product.

The impact of the external environment can be divided into two groups: macro- and micro-impacts. This classification allows you to clearly study the aspects that are important for understanding entrepreneurs who are interested in running a successful business. These aspects affect the company's business environment. Each is unique, despite the relationship between them.

The first group is the determining one when planning the activities of an enterprise for foreign market. At the diagnostic stage, a business plan is drawn up, which reflects the interaction of the enterprise with other firms or the state, outlines different options for doing business and actions in case some factors interfere with their implementation. Business plans drawn up from this angle determine the essence of the company's activities (development of the business environment). And already taking into account them, they analyze and plan further work.

When analyzing the micro-impact, it is necessary to take into account the conditions of existence in which the company is currently located. When analyzing them, one should take into account the frequent changes in modern market conditions, so that all directions of unexpected developments must be foreseen. In fact, this directly affects the planning of the internal structure of the company and its narrow-profile activities.

The activities of different enterprises can change radically under the influence of different global processes, for example:

legislative trends;
innovations in technical progress.

They change all the time. Also keeping international business and Russian largely depends on the financial solvency of the buyers for whom the company produces goods, as well as on the creditworthiness of citizens and the state banking system in general, the degree of development and profitability of competing firms.

Tracking these parameters is difficult, almost impossible. It is here that the commercial professionalism of the owners of the enterprise comes into play, who are forced to constantly analyze the position of the company in the market and take into account that its trends can change very, very quickly. And, as already noted, this is primarily due to the processes in the legislation.

Often, companies have to deal with various situations - blocking a current account by a bank, unilateral termination of a service agreement at the initiative of the bank for no seemingly obvious reasons, etc.

Since such situations do occur, in this article we will talk about what can cause such bank actions and how to avoid them using a tool such as information mail to the bank. At the end of the article, we will consider a sample letter to the bank about the activities of the enterprise, the form of which can be used in business correspondence with a credit institution.

Motives and powers of the bank

Recently, banks have been empowered to study and analyze the operations of their clients in order to identify signs in their financial activities that indicate the absence of real business, as well as the presence of various tax optimization schemes and income laundering. The list of signs indicating such violations of financial and tax policies is formulated in the provisions set out in the Methodological recommendations of the Bank of Russia No. 18-MR dated July 21, 2017.

Thus, within the framework of their own activities, banks not only have the right, but are also obliged to control financial transactions on the accounts of their clients, for their full compliance with the norms of Russian legislation. Also, banks are empowered to demand from a client, in respect of whose activities there are doubts, written explanations regarding the economic component of a particular operation. The response to a banking institution to such a request is an information letter to the bank about the activities of the organization.

Letter to the bank about the activities of the organization: a sample document and its structure

The right and attempts of the bank to ascertain the reality of the business and activities of the organization should be treated constructively. In order for a credit institution to have no grounds for applying punitive measures, it is necessary to provide a letter to the bank on the activities of the organization in a timely manner and in accordance with the essence of its request, a sample of which must comply with the requirements of business correspondence and contain the information requested by the bank.

Information letters for the bank belong to the category of business letters. The form and sample letter to the bank must :

meet the general rules of business etiquette, and comply with the rules of business correspondence;

A standard sample of a letter to a bank about the activities of an enterprise (organization, company) is not approved by any regulatory acts, therefore, in business correspondence with a credit institution, the form and structure that is provided for in a particular bank with which the agent has a service agreement is used.

As a rule, credit institutions in business correspondence use standard forms of written messages, so we can say that, in terms of its structure, a sample letter to a bank should have:

details of the sending organization

indicated in the left corner of the letter. Details (name of the organization, its address and Contact phone numbers, outgoing and date of registration of correspondence) can be printed or indicated by affixing the corner stamp of the organization. When using letterhead, only the outgoing number and date of registration of the letter are indicated;

addressee information

indicate the official, the name of the bank;

Title of the document

the heading should specify the essence of the content, for example, a letter about changing bank details - a sample of the correct name will be as follows: “On changing details”;

the presentation of this part should be in a notification form and contain only specific information that responds to the bank's request (if the letter to the credit institution is a response to one), or information about aspects of the activity that require appropriate notification of the bank about them;

application details (if any)

the list of documents requested by the credit institution is indicated (for example, to confirm the reality of the business);

position and last name official who signed the letter to the bank.

How to compose information about the activities of the company sample

Sample letter of information about the activities of the company

This resource is intended to help people who conduct office work in practice, and not for students who need more theoretical knowledge (for correct answers in exams). Therefore, if you need to write an information letter in essence, and the classification of office work is different , you should not delve into the theoretical subtleties of the difference between letters, pay attention to the samples of business letters presented below. A letter-message is about events that are of mutual interest to the sender and recipient. It can be both an initiative letter and a response letter. Sample letter-message (only the text is given below, the letter is drawn up in the same way as in the link above). Sample letter-message No. 2 The main purpose of the notification letter is to convey information to the addressee about a public event.

A businessman or company is likely to have a period when registration with the tax office is already over.

I looked at the bank's parishioner, all three numbers of contracts are correctly indicated there. Explanatory letter sample - business management and letters I was prompted to write this article by the constant mistake of our borrowers.

Info Listed currency funds on account of wages to personal accounts in savings banks d70-k51.

Everyone is too lazy to move their hand unnecessarily, just to attach a certificate to the accounting department and do everything as necessary. Banks will inspect companies with which it is impossible to contact according to the list on the FTS website. To

Information letter about the company's activities

head of the marketing department (if we are talking about new marketing offers for partners);
deputy director (if the administration of the company informs its employees about something through a letter), etc.

In any case, the originator of the letter must be the person in whose official functions includes writing such letters or authorized to compile them by a separate order of the director.

Information letter on the activities of the company: a sample, how to write

Contains a proposal for a possible beneficial cooperation or acts as a preliminary stage preceding the conclusion of the main contract.

It carries information about obligations, for example, the fulfillment of the conditions of a prisoner, the transfer of funds, etc.
Information mail. Includes various informational information, the purpose of which is to inform the addressee about the changes that have occurred or are planned, possible offers, etc.

In order not to waste time writing letters, you should take as a basis general pattern, suitable for any type of business correspondence.

Newsletters Newsletters can be used in the following cases:

To send recommendations, suggestions, clarifications of various information from the authorities and management to the address subordinate organizations different type.

This is the process approach. When the work of one element is completed, its developments are transferred to the next. Description of business processes Examples of this in general view can be seen throughout the article.

But full-fledged documentation is often comparable in thickness to small books (or even large ones if you are studying the work of a giant company). Modeling of business processes (examples of which are also given here) requires that all operations of the enterprise be as clear and transparent as possible.

Where does the business process begin and end? What processes does it involve? What is exchanged? What operations are performed?

In what order?

Business scheme example for a bank

Company name;
volumes of deliveries or purchases;
work period;

Real market analytics. If the project is small and the amount of the loan is insignificant, you can use data from surveys and open publications.

Marketing. IN marketing plan the volume and profitability of sales, possible consumers should be considered, the sales market and competitors should be analyzed.

sample letter to bank

Naturally, when it comes to opening a retail store, there can be no talk of consumers.

But you should definitely consider the prospective suppliers of goods or raw materials for production, indicate their approximate prices. Info

It's great if there are any preliminary cooperation agreements with suppliers.

The list of suppliers and consumers should include:

volumes of deliveries or purchases;
Company name;
any information that characterizes the company as a stable reliable partner.
work period;

Information letter on the activities of the organization for the bank sample

Information letter to the bank about the activities of the company sample

Limited Liability Company "Company" OGRN 1045012461022 TIN 7701025478 KPP 770101001127138, Moscow, st. Basmannaya, 25, Head of JSCB "Kombank" Ivan Ivanov 103473, Moscow

Moscow, Prospekt Mira, 10 LETTER No. 125B dated August 29, 2011 In order to correctly identify our company as a client on the basis of Article 7 federal law dated 07.08.01 No. 115-FZ

"On countering the legalization (laundering) of proceeds from crime and the financing of terrorism"

inform you about the following. The main type of entrepreneurial activity of the Limited Liability Company "Company" from the moment of establishment to the present is associated with retail food products, including drinks, and tobacco products in specialized stores (OKVED code 52.2).

Important Business lawyer Information letter about the company's activities: a sample

Sample letter of information about the activities of the company for the bank

Info The fact is that this morning, during my journey to the bus stop, I became a witness and participant in an unpleasant incident. There was no time to wait for interbank markets, while the Rostov theme with ale played with might and main. This includes everything that may be, but has not yet been resolved or may be, but not necessarily warranty obligations and litigation, which at the time of preparation of the PP has not yet been completed.

And in these cases, bank employees have reason to suspect the company of being involved in money laundering.

My advice, write the truth honestly earned goodies, funds, cards, accounts and accounts belong to me, nothing illegal.

Attention How to issue an information letter There are no special requirements for the design of the letter, as well as for its content.

These letters contain advertising information that the sender wants to convey to customers or partners (both current and potential). Such a document is drawn up on the organization's letterhead, while the size of the main text can vary from two to three sentences to several pages.

Although a sample information letter and forms for it are freely available, you can use your own forms in a particular organization.

It can be: a meeting, a conference, an exhibition, a business tour, etc.

An example of an information letter for a bank

To whom to address an information letter about the company's activities An information letter can be sent to a specific person or group of persons: the director of a potential partner organization, a customer - an individual entrepreneur, team members, etc.

Letters can be:

open, public (to inform the widest possible range of people).
confidential (intended for reading by a specific person);

General rules for all letters When forming an information letter, you need to carefully monitor spelling and adhere to the written standards of the Russian language in terms of punctuation, vocabulary, grammar, etc. We must remember the fact that the recipients of business correspondence always look at how correctly the information brought to them is described.

However, in general for reporting period the organization has a profit of 36.6 thousand rubles. Indicators of liquidity and solvency of the organization are calculated in table. 1.2. Table 1.2. Analysis of liquidity and solvency Liquidity indicator The value of the indicator in thousand rubles. Calculation, recommended value At the beginning of the period At the end of the period 1. Current liquidity ratio 0.92 1.87 Ratio of current assets to short-term liabilities. Recommended value 2.0 2. Quick liquidity ratio 0.73 1.18 The ratio of current assets to short-term liabilities minus stocks. Recommended value 1.0 3.
Categories

Business Law
I individual entrepreneur(IP), I produce lumber for construction companies. The bank asked to present in writing the economic meaning of carrying out operations on the account, referring to the Law of 08/07/2001 No. 115-FZ I transferred funds to my personal accounts in other banks within a month in the amount of 1.3 million rubles received from counterparties goods. I have prepared the following response: In accordance with the provisions of the Federal Law of the Russian Federation of 08/07/2001 No. 115-FZ, you asked to explain in writing the economic meaning of conducting operations on your own bank accounts individual opened in other credit institutions.

The trade margin is on average 60%. The costs of delivery of goods are not included in the cost of goods, but are accounted for on account 44 "Sales costs". All sales expenses collected on account 44 are written off in full to account 90 “Sales”.

The calculation of the cost of the balance of goods is not made.

Written description of the activities of the organization sample for the bank

Be sure to indicate that your company is not on any of the "black" lists (credit tax, etc.). See also: Obtaining and re-registration of a legal address Such a document can be made the main one (if there are no others), or additional. It not only confirms that the company is respected by other firms, but it is also in good standing in the labor market, with the Federal Tax Service and other structures. Letter to clarify the payment to the bank No one is immune from making mistakes when making payments, but not every mistake can be corrected with just one call, some require sending a letter. Imagine this situation: you or your business partner made a payment for a large amount, but found that a mistake had been made. This should be notified to the institution as soon as possible, which will certainly contact the recipient and clarify the reasonableness of making adjustments.

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Otherwise, there is a risk that the bank will again bombard the company with its requests regarding the intensive cash flow. Limited Liability Company "Company" OGRN 1045012461022 TIN 7701025478 KPP 770101001127138, Moscow

Moscow, st. Basmannaya, 25 To the Head of JSCB "Kombank" Ivan Ivanov 103473, Moscow, Prospekt Mira, 10 LETTER No. 125B of August 29, 2011 In order to correctly identify our company as a client on the basis of Article 7 of the Federal Law of August 7, 2001 No. 115-FZ "On counteracting the legalization (laundering) of proceeds from crime and the financing of terrorism" we inform you of the following.

The first is to briefly and accurately formulate the name of the described process, which should be understandable and reflect common sense the sequence of actions that make up the business process. For example, instead of “Filing an application for the manufacture of a product into production and monitoring its execution”, it is enough to name the process “Control of the production of a product.” The second is to correctly break the entire described process into smaller (“atomic”) tasks or sub-processes the sequence of their execution. With such a partition, the described process will be a top-level process. The level of detail of the top-level process may vary, but should be adequate to understand the audience that will use your description. 2 There are several ways to describe a business process.

Business scheme example for a bank

The commercial department of the wholesale company issues them in the amount of 3 copies. The buyer goes to the warehouse. In the warehouse, he receives consumer goods and 1 copy. issued invoice. Of the 2 remaining invoices, one remains in the warehouse for reporting, the other is transferred to the accounting department of the Wholesale Company.

Agreement Wholesale Company-Warehouse The Wholesale Company and the Warehouse conclude an Agreement for the provision of safekeeping services. On the basis of the concluded agreement, the Wholesale Company transfers consumer goods to the Warehouse for storage. The transfer of consumer goods is fixed by the Transfer and Acceptance Act. On a monthly basis, the Warehouse issues an invoice to the Wholesale Company for safekeeping services.

The invoice is issued in advance, for the next month. The wholesaler pays the Invoice. At the end of the month, the Warehouse and the Wholesale Firm sign an acceptance certificate for the delivery of work for the amount of services rendered.

In addition, the Warehouse provides the Wholesale Firm with a monthly report on the actual issued consumer goods.

Business processes: examples and description

However, they also want to always have a stock of goods in stock. Whereas the supply department plans to purchase a narrow range and in large quantities.
After all, in such cases they will work efficiently, and their main indicator will grow (more precisely, the price from the supplier will fall). That is, there is an implementation business process that departments look at differently.

Process approach It considers everything that happens as a set of processes. There are basic and supportive. Each process has its own specific goal, which is subordinate to the task facing the entire company.

Attention

In addition, there is an owner who manages resources and is responsible for the execution of everything necessary. There should also be a system for quality control and error correction.

It goes without saying that no process can proceed without resources. And the list of components is completed by a system of indicators, according to which business processes are evaluated.

Business plan for obtaining a loan

If the loan is large, the reserve becomes a rather serious burden for the bank. Providing a business plan helps to reduce risks, and hence the size of the reserve.
Other cases in which a bank may request a business plan:

Lending for long term(on average, from 3 years).
Use of credit funds for investment purposes (acquisition and construction of fixed assets - buildings, land, equipment).
Lack of sufficient collateral.
Short period of activity of the enterprise (less than 6 months).
Obtaining loans on favorable terms (for example, subsidizing agricultural producers).

A business plan may also be needed when obtaining a standard loan. In this case, the entrepreneur can provide it as additional information about the business to reduce the risks of the bank and, consequently, the interest rate on the loan.

How to write a quality business plan that will be approved by the bank

Info

This means that after receiving and using the loan in full, the company must extract sufficient profit to continue doing business without borrowed funds (use the loan effectively). The main nuances that should be considered when developing a business plan: 1.

The plan should take into account the most pessimistic expectations (falling exchange rates, increasing taxes on the company's activities and its property, a significant drop in demand, high level inflation, one-time dismissal of a large number of employees, etc.). Employees of the credit department of the bank will check the document not only for the correctness of the calculations, but also for compliance with the real state of the market.

If the trends in economic situation are such that the business may be at risk, the bank will have additional questions for the entrepreneur.

Description of business processes: the pursuit of simplicity

Market analysis includes data on consumers of the company's products or services (both active and potential) and what the "seller" can offer to the "buyer";

enterprise economy. Planning a strategy for the development of production is not complete without the economic indicators of the enterprise.
The section contains data on the estimated gross profit, taxes, types of costs and ways to reduce them;
marketing plan. It involves the company's methods to achieve the required level of sales. Try to embed in overall structure market, the distinctive features (or better advantages) of your product, which will allow you to bypass competitors. It is advisable to compare your activities with competitors in order to clearly demonstrate the promotion of your product or services relative to others;
technical improvement.

The most popular of them is graphical, using diagrams made in various notations (notation is a set of symbols to denote something). The most common types of notations for describing business processes are IDEF0, BPMN, EPC (ARIS), etc. As an example, let's take a look at a diagram made in BPMN (Business Process Modeling Notation) using the PowerDesigner CASE tool (Fig. 1). The main elements in the diagram are: 1. "Process" (function) - a rectangle rounded at the corners; 2. "Transition" - an arrow connecting processes; 3. "Decision" - a diamond containing a question that can only be answered with "Yes" or "No"; 4. Conditions are text expressions under which the transition from one function to another is carried out. Conditions are always enclosed in square brackets.

How to describe a business scheme for a bank

If a promising picture emerges, taking into account all kinds of risks, the bank will most likely give you a loan to implement or expand your business. Tip: do not overestimate the amount of the loan to compensate for unnecessary expenses, take exactly as much as you need. Mirror Implementation borrowed money V financial terms so that the bank can see where its money goes;

applications. Any information that is not included in other sections of the business alan is included in the annexes.

If the bank sees good potential in the business plan and the ability to quickly repay the loan, it may itself offer to finalize it.

Therefore, make a plan with all responsibility, both to the creditor and to yourself. A business plan is drawn up in detail, but with clear explanations of the described business.

As a result, it should be clear to both you and the bank.
For rate cash flows in subsequent years, a discount factor is applied. The main mistakes made in a business plan:

lack of market forecasts, realistically substantiated data on demand and conjuncture;
technically complex projects that are difficult to implement in the conditions of the Russian economy;
absence necessary qualifications project initiators;
overestimation of forecast income levels (unless this is justified by any objective data, for example, a signed contract with buyers);
too optimistic views on market trends (1% inflation, depreciation of foreign exchange, expectations of subsidies from the state, etc.);
too much "water" in the business plan.

You can view detailed recommendations and requirements for a business plan on the websites of banks, for example, Vnesheconombank (veb.ru) - download in pdf format.
From the point of view of business process management, a document is information on any information carrier. Email, report, presentation, SMS - all these are documents. Sometimes it is necessary to display intermediate products. These are blanks, semi-finished products, or simply important parts of the work that pass from one process block to another. Add them at this stage. Of necessity. 6 - Add used programs and databases The process should reflect which programs and databases it uses. 7 - Arrange tools and materials If tools and/or materials are used in the process, this should also be displayed. The main points can be identified on the business process diagram. A detailed description is best given in the comments and special sections of the description. A great option is to draw up a diagram focused specifically on the use of tools and materials.

Where does the business process begin and end?
What processes does it involve? What is exchanged?
What operations are performed? In what order?
Who performs the activities in the process?
What documents are used and appear in the process? In what operation are these jocuments used/appeared?
What tools, materials, software and databases are used in the process and in what operations?
What performance indicators and where exactly are recorded in the business process?

As a modeling notation, I recommend using BPMN A well-prepared diagram should be easy to read and informative enough. real life.