Financial model

The financial model is based on social people's money and future money, with good products, good models, good expectations and low risks as levers and fulcrums to incite social people's money and future money and accelerate development and growth!

Connotation diagram of financial model

Financial model is a systematic design scheme to solve the problems of enterprise cash flow, customer flow and profit rate.

The design transfer enterprise has inexhaustible cash flow from the beginning, and finally realizes the win-win situation of market satisfaction, enterprise profit and capital profit.

In essence, it is to exchange the right to use consumption, the right to future income and equity for the cash that is needed now, and then pay it back slowly, so it is a word "borrow"! Typical wool is in money!

1. Common financing methods of consumption right.

(1) treatment card: a "treatment card" sold by beauty salons to customers, with a charge of 5,000 yuan at a time, so that customers can enjoy a certain service in 10 times. It belongs to the "consumption right" exchange cash flow. Beauty salons will promote 10 service to customers in advance. This belongs to "future money".

(2) Annual card: The gym sells the right to use the venue and equipment to customers for one year, and customers can use the venue indefinitely by paying 1980 yuan. It is equivalent to the gym taking the right to use the venue in the future 1 year, and getting the cash flow of 1980 yuan.

(3) Recharged card: The hotel sells prepaid consumption cards to customers. Customers only need to recharge 2000 yuan at one time, and then they can get a 10% discount on each meal when they come to eat. This is equivalent to the hotel selling future meals to customers in advance.

Please learn case 1- case 5 for specific operation steps.

Second, the common financing methods of future usufruct rights

"Future usufruct financing" refers to the right to obtain income from a project and sell it to investors in advance. This financing method is simple in operation, low in risk and less in subsequent troubles.

More suitable for small and medium-sized enterprises. Please learn case 1- case 5 for specific operation steps.

Three. Common equity financing methods

Equity is a special kind of enterprise ownership. Accurately speaking, it is not a right, but a collection of various "subdivision sub-rights". Therefore, it is necessary to understand these sub-rights in order to use equity weapons conveniently.

Common share rights include voting right, dividend right, veto right, director nomination right and priority transferee right. ...

These sub-rights have their special definitions and values. If entrepreneurs do not specify the distribution and use conditions of these rights in detail, they will easily be bound by these sub-rights, which will eventually lead to the inability of companies to operate and enterprises to develop.

Most entrepreneurs want to use equity as financing, but they just want to distribute dividend rights instead of voting rights, that is, they are willing to give benefits to others rather than let others influence their management and decision-making strategies.

Some people say that equity investment is an investment in the future and the best opportunity to participate in the future wealth distribution! Mencius said: although wise, it is better to guide the situation. In the past, creditor's rights were the mainstream, and the future equity will be the field where the country and the people exert their strength.

Equity investment is the future trend. If we can catch this trend, the probability of making money is higher than others! In fact, all social values must be dominated by the real economy. Equity investment is to invest in the real economy, so it will enjoy the biggest development dividend and earn more than other types of investment in the capital market.

The essence of market is supply and demand, the essence of business is value exchange, and the essence of investment is the future! Our imagination of the future and judgment of the industry determine our innovation model, investment model, income model and income model determine our lifestyle!

Four: the case

Longsheng Pu 'er Tea Company is mainly engaged in the cultivation and management of tea gardens, producing and selling all kinds of tea products including green tea, Pu 'er tea, jasmine tea, oolong tea and black tea, and has a complete industrial chain of "tea seed value, tea processing and tea sales".

With its outstanding resource advantages, the company uses a set of complete and mature tea garden management standards and tea garden production management system accumulated and summarized by years of production practice, which can effectively control production costs, ensure product quality and address throughout the process, and form the company's core competitiveness.

The company now has 85,000 mu of tea mountain, located in Pu 'er City, Yunnan Province, the core producing area of Pu 'er tea. The water line, climate and Pu 'er city where raw materials are planted and processed not only have natural conditions such as water source, climate, temperature and humidity suitable for Pu 'er tea planting and processing raw materials.

Moreover, it is known as the "China Tea City", which provides favorable geographical conditions and suitable communication effects for the development of local Pu 'er tea enterprises.

The tea garden covers an area of 85,000 mu and specializes in planting Pu 'er tea. The traditional tea sales model is to package tea and sell it in the market. The new model and concept have completely subverted the traditional model.

First of all, traditional tea enterprises make money by the price difference of tea. Longsheng tea garden is sold in one mu. 1 mu of tea garden can produce Pu 'er tea every year 150 kg. The average market price of Pu 'er tea is 200 yuan per kilogram.

The customer spent 68,000 yuan to buy a 1 mu tea garden. 1 mu tea garden is sublet to Longsheng company for management. Longsheng Company returns 75 kilograms of Pu 'er tea to customers every year. It is equivalent to turning customers into shareholders for 20 years in a row. And Longsheng company can sell 1000 mu every year! Sold the income right of the next 20 years to the customer!

Financial model analysis:

1: division: divide 85,000 mu into small pieces, that is, one mu of land.

2. Pre-sale: sell the income per mu in the next 20 years to customers at a price of 68,000!

3. Credit: tea seed value, tea processing, tea sales "A complete industrial chain has the credit needed before the sale, model credit!

4. Outsourcing: The customer bought the income right of 1 mu of land for 20 years, but could not pick and process it by himself and outsourced it to Longsheng Company!

All the financial models used make full use of the four elements of finance: segmentation, pre-sale, credit and outsourcing.

Points: points from space, points from time and points from rights and interests.

Credit: asset credit, agreement credit and model credit.

Pre-sale: pre-sale of consumption right, pre-sale of future income right and pre-sale of stock right.

Outsourcing: outsourcing consumers, outsourcing institutions and outsourcing investors.

This is the most basic operation step of financial model.

Please continue to study case 1, case 2, case 3, case 4, case 5, case 6,