No.: 0906020603
Class: Accounting (6)
Name: Zhu Chunmei
Entrepreneurial Planning Book
Table of Contents
I. Basic Information of the Company
(I) Project Name: **Coffee Shop
(II) Scope of Business: Facing the general of residents
(iii) Industry type: retail
(iv) Project investment: about 200,000 yuan
(v) Venue setup: Jingmen City, Hubei
(vi) Project overview: to provide convenience for the customers (providing coffee, tea, all kinds of snacks), provide part-time job for school students to meet the civilized metropolis of the people in pursuit of spiritual needs of the company's high-quality service
(7) business purposes: **** Coffee House aims to provide all customers with good value for money, fashion and leisure services such as customer satisfaction.
Second, the product/service introduction
Taste not only provides Chinese and foreign classic coffee, such as mocha, blue mountain, Jamaican coffee, fancy coffee, etc., and a variety of refreshments, such as a variety of famous Chinese tea, a variety of milk tea, health tea, juice, snacks and so on. Our coffee is never instant, but hand-ground on the spot for good taste and flavor. Coffee house only seek service, in line with the "lowest price to provide the best service" purpose, to four "first-class" (first-class service, first-class environment, first-class varieties, first-class reputation) as the goal, and strive to make Taste (taste) Coffee House to become a place of rest for all residents and students. Taste (Taste) Coffee House to become a resting place for all residents and students.
Beautiful bonsai are placed beside the door, exquisite decorations are hung inside the house, and bookshelves storing various newspapers and magazines are set up in front of the counter. The interior is spacious and bright, with comfortable seats and an elegant environment. Sitting in front of the window, you can see people coming and going, and feel the rhythm of slowing down and relaxing yourself in the fast-paced city. There are also some umbrellas in front of the door to provide convenience to those customers who go out without umbrellas.
Three, industry/market analysis
With China's reform and opening up, the rapid infiltration of Western culture, the rapid development of China's economy, and the improvement of the quality of life in the city and the acceleration of the pace of life, coffee and leisure of this elegant, stylish, romantic leisure lifestyle is more and more favored by the people, the coffee into the world's three major beverages one. Countless discerning investors see the hidden huge business opportunities, we analyze the market, Taste (taste) Coffee House is about to appear ......
After the survey, China's coffee drinks each year there are more than 2 billion market demand, of which we can enter the market of about 1.2 billion. The company was established at the beginning of the purchase of coffee and accessories available for customer demand to meet the needs of the rapidly developing coffee and tea market, the use of investment in the purchase of raw materials for coffee brewing and grinding equipment solutions, aimed at solving the time-consuming grinding and coffee brewing coffee and other most rely on imports, expensive, affecting people's general level of consumption of the problem.
The company focuses on the combination of short-term goals and long-term strategy, the medium and long-term goal will gradually broaden the product range, involved in a variety of beverages, and a rich variety of cakes and other gourmet food, health food, etc., the formation of coffee tea as the core of the diversified business group companies.
The beverage industry predicts that coffee as a beverage will continue to explosive growth, the average annual growth rate of the next 10 years will be as high as 35% or more. From this we can imagine, the development of China's coffee market space is how huge, no wonder the international coffee organization also regarded China as the world's most promising coffee market.
Fourth, the current state of the business
At present, the coffee market in Long Dong, Tianhe District, Guangzhou, is not too intense, especially around the residential neighborhoods, and there is no corresponding competitor and competitive pressure. Moreover, the location is particularly favorable, with a number of colleges and universities in the vicinity and close to residential communities, the customer flow and consumption capacity can be met.
V. Financial Analysis
(I) Investment Estimates:
A. One-time fixed investment: 50,000 yuan, including: 1, rent down payment of 10,000 yuan, 2, renovation costs of 20,000 yuan, 3, the start-up costs of 5,000 yuan, 4, miscellaneous expenditures of 7,000 yuan, 5, the purchase of equipment and utensils of 8,000 yuan;
B. Working capital and raw materials reserve 70000 yuan
(ii) cost control (per month):
Rent 2000 yuan, material purchase cost 5000 yuan, personnel wages about 20000 yuan, according to different levels of different wages, not advance salary of 10%. Subtotal monthly cost of about: 27000 yuan. Average monthly turnover: 45,000 yuan.
(C) profitability (monthly)
Turnover - cost = operating profit, 45000-27000 = 18000; annual profit: 18000 × 12 = 216000 yuan
(D) payback period:
Payback period: 200000/18000 ≈ 11 Months ≈ 1 year
VI. Financing Plan
Loan 50% of the registered capital from the bank, and then the remaining is shared by the 4 shareholders. The term is 1 year. If one of the shareholders withdraws during this period, this shareholder will only be able to hold 5% of the shares.
Part I Company Profile
I. Company Introduction
Taste (taste) Café is a new leisure coffee house with an elegant style, which promotes the spirit and culture of coffee based on the concept of "quality coffee and excellent service". The café provides first-class coffee and almost to meet the needs of all consumers. Taste (Taste) Café in line with the responsibility to promote the coffee culture to choose the characteristics of the Taste (Taste) Café coffee culture. Taste (Taste) Café gives a warm, elegant, comfortable feeling, is full of youthful vitality, the connotation of the coffee taste place.
Second, the main shareholders
Shareholder name Capital contribution Capital contribution form Share ratio
Wen Shao Yi 100,000 yuan cash 50%
Wen Weihua 50,000 yuan cash 25%
Wen Shao Ying 30,000 yuan equipment 15%
Wen Shao Hui 20,000 yuan cash 10%
Third, the team
The team Composition:
Our entrepreneurial team in the pre-startup period, both as the drafter of the business plan, as well as the pre-funding. The composition of this team is of extraordinary significance, so choosing the right people for the job was a difficult and careful task. After several rigorous selection, our team has taken initial shape:
Store manager: so-and-so
Administration and Personnel Department: Zhang San
Purchasing Department: Li Si
Financial Department: Wang Wu
Marketing Department: Liu Qi
Development Department: Zhao Liu
Management Planning Department Setting and Responsibilities
Management Planning Department Setting and Responsibilities< /p>
☆Store Manager
The store manager is responsible for the overall coordination and management of the work of all departments in the store, supervise the work of the staff, while accepting the supervision of the surrounding residents and customers, and to do a good job of communication between the coffee house and the surrounding residents.
Work content: supervise the work of the ministers and staff, inspire the enthusiasm of the staff, listen to the views of the staff. The work of the coffee house is to make comprehensive decisions on the operation of various tasks, to communicate with the surrounding customers on behalf of the coffee house, to reflect the opinions and requests of the staff upward, and to transmit the work required by the school downward.
☆Administration and Personnel Department
Main responsibilities:
1. Arrival and departure of personnel related to the handling
2. Summary of various types of personnel information, filing and management, employee records management
3. Employee leave, transfer leave operations, attendance status, audit, statistical operations
4. Accounting
5. Disciplinary inspection of the work of the store
6. Do a good job of the minutes of each meeting
7. Do a good job of the coffee house every time to entertain celebrities experience records, so that the next hospitality to learn from
8. Coordination of the department and other departments of the link
Personnel allocation: the Department of the main, vice ministers, each one, the archivist. 1 archivist.
☆The Accounting Department
Practices strict financial management; the means of realizing profit and loss control is through the "weekly statement and "monthly statement" on the subject of audit. The audit includes sales, number of customers, average number of customers, cash over or under collection, cash register operation error, loss, other business items, price of food materials, wages of timekeeping staff, electricity, gas, water, etc. The audit also includes the following items: sales of goods and services, sales of goods, sales of goods and services, sales of goods and services, sales of goods and services, etc.
☆Marketing Department
The Marketing Department is responsible for the promotion of coffee house products and the contact between the coffee house and its customers. It is an important department whose work is directly or indirectly related to the image of the café and the flow of customers and sales.
☆Purchasing Department
Purchasing Department is one of the departments under the management of Coffee House, responsible for purchasing, acceptance, and recording of all food materials and business items, which is an important part of the normal operation of Coffee House.
☆Development Department
Development Department is responsible for the development of new products to meet different needs
Four, organizational structure
Five, the staff
Number of employees College level or higher Bachelor's Degree
Number of people Proportion of people Proportion of people
18 12 67% 6 33%
Six, the external public ***Relationships
Our Taste coffee house is not very large, but we try to get strategic support from banks. At the same time, we will actively seek the support of coffee manufacturers, with their strong support, our coffee house will be able to have a better development.
Seven, the company's business strategy
The development direction of our coffee is to be able to make most of the surrounding know, understand our goods, and also come in to consume. To this end, we will do:
High-quality coffee, coffee in the cafe, the composition of the coffee must be very strong, regardless of the type of coffee, if the price of coffee is set on the high side, or coffee quality is poor, the composition of the coffee is not complete, or coffee stock is not enough, etc., will immediately affect the sale of coffee, and naturally, it is not easy to increase the number of regular customers. In the operation of a café, not only do you have to face competition from cafes in your region, but you also have to face competition from various stores, so the "beauty of coffee" becomes the basis for the success of the store.
Merchandise is an overall strategy that needs to be emphasized at all times for cafes. All of the merchandise-related activities, such as management planning, coffee purchasing, coffee development, inventory management, and even logistical merchandise operations, are closely related to the strengthening of the café's merchandising power.
Excellent service, the most direct, that is, the cafe's service personnel in waiting for customers, to have an elegant posture, and pay attention to clothing, make-up and other instrumentation; reception of the customer when the time to have the appropriate expression, the attitude of a few appropriate response. All waiters should have a wealth of coffee knowledge, timely instructions for customers, but also have the ability to negotiate. In addition, the interior of the store, the attractive and aesthetically pleasing bar, and the lighting of the store should be effectively utilized, and the effectiveness of the advertising media should be further strengthened, as well as the provision of a variety of service facilities. Our goal is to create a loyal customer base in this area.
Part II Products/Services
I. Product and service introduction
Taste (Taste) Coffee House is located in Longdong, Tianhe District, the coffee house is mainly engaged in coffee, tea, Western food, cold drinks, simple meals, drinks, Kung Fu Tea, a variety of varieties; not only the main products, seasonal products, as well as activities, etc., to meet the needs of different diners. Restaurant consumption is low, per capita consumption of 20-40 yuan, is the family and friends small gatherings, entertainment and leisure of the ideal place.
The pavilion has a leisure seat, elegant environment, gauze curtains fly, cozy let you forget to return, the museum also operates chocolate, milk, coffee, milk tea, juice, ice cream, Chinese and Western simple food, is definitely a good place for you to relax, party. Coffee house will be divided into a part of the area for the book bar type service, where to provide some of the more fashionable or best-selling books, but on this part of the area for free reading settings.
II. Core Competitiveness or Technical Advantage
Our Taste (Taste) Coffee House does not have a huge capital system like other competitors, but the good thing is that we are in a better location, so far, there is no competitor. However, we have solid core concepts. They are:
1. Trusted product quality: insisting on the best (the best relative to the mass market) coffee beans.
2, a high degree of environmental awareness: the use of more environmentally friendly equipment and packaging materials, and vigorously advocate and strictly require the economical use of energy.
3, good employee benefits: for fixed employees, to provide the most superior health benefits program for employees, and the large-scale implementation of employee stock ownership.
4, harmonious *** at the community spirit: to create a warm, free consumer environment for customers, encourage the store staff and customer exchanges, so that customers, whether alone or small gatherings can be happy to integrate, which slowly our Taste (Taste) Coffee House into the customer's home and workplace outside the life of the indispensable "third place". The Taste Coffee House is a "third place" that is essential to the lives of our customers outside their homes and workplaces.
5, unique cultural taste: selectively participate in the promotion and distribution of some warm, inspirational movies and books.
The advantage of our Taste (taste) Coffee House is that we use the opposite technology to serve our customers, we build a file for our customers when they first come to the coffee house, and when they come next time, we can provide them with services that he is familiar with and satisfied with. Sometimes, the products they need are already delivered to them without them having to ask for it themselves.
Three. Product Patents and Registered Trademarks
Although our coffee house is a new brand, we will develop some new varieties with top-notch flavors to apply for product patents for our coffee house before. Our registered trademark is the name of our store and the image of Taste (taste) into the coffee house.
Part III Industry and Market
I. Industry Situation
China occupies an important position in the world coffee industry's overall strategy to expand demand due to the country's huge market and the promising prospects for growth in coffee consumption. The potential coffee consumers in China are about 200-300 million, which is already comparable to the current market of the United States, the world's largest coffee consumer. At present, the coffee consumption of Chinese people is still small, but the growth momentum is very impressive, the annual growth rate of China's coffee consumption is 15%, while the annual growth rate of the world's coffee consumption is only 2%. Coffee in the Chinese market is facing a huge challenge from the thousand years of tea drinking tradition, so the promotion and publicity in the Chinese market is very important, and must be different from the promotion and publicity means in other western countries.
Second, the market potential
China with the rapid development of the economy of coffee, a drink with a long history of widely known, coffee is being more and more Chinese people accepted, coffee consumption has become a fashionable mainstream according to the statistics of China's annual consumption of about 200,000 tons, and 10% of the rate of annual increase, while per capita consumption of 30% of the rate of increase. Consumption in all regions of the country is soaring at a double-digit rate every year, and even exceeding 100% in some regions. It can be seen that the growth of coffee consumption in China is very rapid, and China will become an important coffee consuming country in the world in the near future. According to another survey, the annual per capita consumption of ready-to-drink coffee in mainland China is 0.11 times, which is not only far from Japan's 107 times, but also much lower than the level of Taiwan (35 times), Thailand (8.7 times) and Hong Kong (4.9 times). The beverage industry predicts that this category will continue to grow explosively, with an average annual growth rate of more than 35% over the next 10 years. From this we can imagine how huge the development space of China's coffee market is, no wonder the International Coffee Organization also regarded China as the world's most promising coffee market.
Three, industry competition analysis
With the continuous improvement of people's living standards, coffee, a Western-style drink is being accepted by more and more people in China, and the ensuing coffee culture is full of every moment of life. Coffee is no longer just a drink, it is gradually and fashion, taste closely linked together, reflecting the high quality of modern life; or make friends and talk about heart, or business meetings, or leisure and pleasure, in a cup of coffee filled with music. Nowadays, in many major cities in China, coffee shops have been seen, many young people have become enthusiastic advocates of coffee, coffee consumption in Chinese cities, the average annual coffee consumption per person is 4 cups, even in Beijing, Shanghai, such a big city, the annual consumption per person is only 20 cups. In Japan and the UK, the average person has to drink a cup of coffee every day. Japan and the UK are both world-renowned countries for their tea culture, which has now developed into a huge coffee market. China, with its strong tea culture, has vast coffee consumption potential and is becoming the world's largest coffee consumption market. The number of coffee specialty establishments in many large and medium-sized cities in China is growing at a rate of about 30% per year. Just because China's coffee market is in its infancy, China's coffee consumption is growing at an alarming rate, which means that a huge opportunity has come, meaning more opportunities and more room for profit return. In the next few years, China is expected to become the world's most promising coffee-consuming country. Overall, due to China's huge market and favorable prospects for coffee consumption growth, China occupies an important position in the world's coffee industry's overall strategy to expand demand. Based on a large amount of thorough market research, this industry report is mainly based on the basic information from the National Bureau of Statistics, the Ministry of Commerce, the State General Administration of Customs, the International Franchise Association, the International Coffee Association, the China Chain Store Association, the China Beverage Industry Association, the China Industry Research Network, and domestic and foreign related newspapers and magazines, and provides a detailed analysis of China's coffee shop chain industry background, market outlook, competition and store location, and so on. The information is based on the background of China's coffee shop chain industry, market outlook, competition and store location, etc., which has been analyzed in detail, and precise forecasts have been made for the future development of China's coffee shop chain industry.
Currently, in the segmented blue ocean market of coffee drinks in China, except for a few areas such as Shanghai, Guangzhou and Shenzhen, the rest of the coffee market has yet to be developed. Last year, Wahaha launched the "YoYo milk coffee" performance is mediocre, Starbucks in the supermarket sales of bottled coffee is also not satisfactory. However, the analysis deduced that the development of coffee drinks in the next five years should be relatively fast, maintained at about 30 percent.
Several major Japanese beverage brands have stepped up their coffee market offensive. Among them, Kirin has utilized brand extension to launch the Afternoon Coffee and Kirin Coffee series. In addition, Coca-Cola's "Georgia" coffee, which is currently selling well in Japan, may also be introduced into the Chinese market. Coca-Cola Greater China President Dai Jia Shun recently said that the company has been paying attention to the Chinese coffee market, but for reasons of market competition, can not disclose the specific time to launch coffee drinks in China.
In addition to the huge market potential, the high profitability of coffee beverages is also a major reason to attract companies to enter. JP Morgan Chase a survey report on the food industry, the global branded packaged food and beverage market, coffee and tea with the highest profits, profit margins in about 20%.
Four, income (profitability) model
Mass professional services content, is the current direction to consider. Coffee shop is to make a profit, it and ordinary goods like all have to have a core product or service, and this product or service is real, not virtual, is able to operate a highly specialized division of labor system. Our coffee shop by providing high-quality products coffee, a variety of tea
After analyzing, we can know that our customers are basically the residents of the surrounding residential areas and college students. Because of the different spending power, we offer different products at different price levels for different groups of people. Our coffee house can according to the income level, gender, age, consumption preferences and other market factors, accordingly to provide customers with satisfactory drinks and services.
Market Planning
Company's Sales Revenue Forecast for the Next 3 ~ 5 Years (in case of unsuccessful financing) ($ million)
Year Year 1 Year 2 Year 3 Year 4 Year 5
Sales Revenue 10 15 20 25 30
Market Share 0.1 0.15 0.2 0.25 0.3
Co. Sales Revenue Forecast for the Next 3 ~ 5 Years (in case of successful financing) ($ million)
Year Number Year 1 Year 2 Year 3 Year 4 Year 5
Sales Revenue 15 25 35 35 45 50
Market Share 0.2 0.25 0.3 0.35 0.4
Part IV Marketing Strategies
I. Analysis of Target Markets
(a) Target Market Analysis < /p>
(a) With the deepening of China's reform and opening up, coffee culture has become popular in China
Whether it's freshly ground coffee beans or freshly brewed hot coffee, it exudes a rich aroma that is intoxicating. As part of the Western lifestyle, coffee has officially entered the homes and lives of Chinese people: in many cities in China, coffee shops have sprung up along with the growth of coffee culture, becoming a new consumer fashion for people pursuing a quality life and decorating the city.
(2) China's coffee market is huge, is expected to become one of the world's largest coffee market
Because China's coffee market is in its infancy, the growth rate of China's coffee consumption is astonishing, which means that a huge opportunity has come to mean that there are more opportunities, a greater return on profits. And this undoubtedly gives many plans to open a full of mood, romantic, cozy cafe insights to bring new opportunities for development.
Two, customer behavior analysis
With the rapid development of coffee in China, coffee is no longer just a drink, it is gradually and fashion, taste closely linked together, reflecting the high quality of modern life; or friends to talk about the heart, or business meetings, or leisure, in a cup of coffee filled with music. Today, in many major cities in China, coffee shops have been seen, many young people have become enthusiastic advocates of coffee.
Three, marketing business plan
(A) price positioning:
Taste (taste) coffee house for the groups include: the majority of the surrounding residents and, near the university students and staff, which the surrounding residents as the main consumer groups, but at this stage of the general white-collar workers and other office workers do not understand our coffee house. Therefore, in the early stage of opening, without lowering the grade of the coffee house, to ensure that the cost of income under the premise, as well as the consumption level of the consumer groups and consumer objects to consider, soft drinks (such as cola), fruit juice, milkshake, ice cream, some of the coffee prices will be appropriately adjusted downward, the profit margin accounted for 50% of the cost of the fruits, platters, snacks, profit margins accounted for 60% of the cost of the tea category. But high-grade consumer goods such as wine, cocktails, branded coffee, etc., because lower prices will give people the style, class, and quality of the illusion of not high, so the price positioning to profit margins accounted for 65% of the cost of sale.
(2) management concept:
1. Respect for the independent personality of the catering industry
2 under the management of a level: the higher level of planning and management of the lower level, the lower level should be subject to the work of the higher level of guidance, and try to complete the tasks issued by the higher level.
3 Mutual supervision: management supervises the work of employees, while employees can also put forward their opinions or insights to their superiors.
4 to create a collective atmosphere: not only on the subordinates feel the strict discipline of the coffee house, but also care for the staff, so that employees feel the warmth from the collective, which is conducive to strengthening cohesion and improve the work enthusiasm.
5. Fair treatment, equal treatment, each to the best of their ability, to play a talent
(3) pay system: hourly wage system
The different types of staff time on the pay is different; the use of this system is more flexible, you can accurately record the working hours of each staff member to accurately calculate the salary of the employee.
Work shift organization: fixed single-shift system
In addition to fixed staff, for part-time, in the beginning of the recruitment of personnel, we will first figure out the availability of each candidate's time period (including the day of the week and the day of which time period is free) and then based on the time period to determine the staff for each day of the week.
(4) personnel assessment:
From the moral (moral cultivation), ability (level of business knowledge, creativity), diligence (collaboration, responsibility, aggressiveness, discipline, attendance), performance (efficiency, quality of work) four aspects of the staff and management to carry out a fair and impartial assessment for the bonus and other incentives system to provide evidence.
1. Staff assessment
We will specify a set of indicators. For example, for the staff's work attitude, we will be from the enterprise, enterprising, responsibility and sincerity and other indicators to examine. There are several levels of performance under each indicator, and each level has a corresponding score.
2. Management performance appraisal
This system is designed to evaluate the work ability, attitude and performance of management staff. Adhering to the principle of openness, fairness, impartiality, objectivity, and multiple subjective evaluation, each manager is subject to evaluation from relevant colleagues, direct subordinates and self. From the moral, performance, ability, diligence assessment. Specifically as follows:
De: democracy, moral cultivation; performance: efficiency, quality of work, etc.; ability: business level of understanding, analysis and decision-making ability, innovation, self-learning ability, etc.; diligence: collaboration, responsibility, enterprising, discipline, attendance, etc..
Monthly and quarterly evaluations will be completed within the first week of the next evaluation period, and evaluation forms will be issued uniformly by the Administration and Personnel Department. The year-end evaluation will be completed in the last week of December and the first week of January of the following year. The evaluation form is to be completed by the employee and submitted within the specified date. The evaluation form will be evaluated by the Administration and Human Resources Department with the participation of all employees. Each participant fills out an evaluation form and gets a score according to different weights. The average score is calculated according to the classification of superiors, colleagues, subordinates, and self-evaluation, and then the final score is calculated according to the ratio of the different levels of personnel as mentioned above, and the evaluation grade is determined according to the final score. The evaluation results are linked to the bonus and incentive system. If the evaluated person is not satisfied with the evaluation result, he/she can file a complaint to the Administration and Personnel Department within one week from the date of receiving the result, and if he/she doesn't file an objection after the deadline, he/she is regarded as agreeing with the result.
Reward system: according to the staff assessment of the total points for reward (half a year to implement a reward)
(E) service quality control
1, the establishment of the collar, service, food and other positions to ensure that there is a post, a place, a service; standardized service, perfect procedures, our cafeteria is open for business 24 hours.
2, on duty service personnel to do grooming, instrumentation neat and tidy, in line with the requirements of the "Employee Handbook".
3, skilled in foreign language reception, service to foreign guests.
4, laying and setting the table in accordance with the rules.
5, the strict implementation of the use of tray service, it is strictly prohibited to use the hands of the cup directly serve guests.
6, the menu in English and Chinese, excellent printing, clear handwriting, no damage and no creases.
7, business peak period, to ensure that the guests of the refreshments within 2 minutes on all, business peak, to ensure that the guests of the refreshments within 5 minutes on all.
8, to maintain indoor cleanliness and hygiene, no dust on the desktop, no garbage on the ground, no smoke on the ground.
Other cash received related to investing activities 3500
Subtotal of cash inflow 63500
Cash paid for the purchase and construction of fixed assets, intangible assets and other long-term assets 7000
Cash paid for investments 5000
Other cash paid related to investing activities 3000
Subtotal of cash outflow 15000
Net cash flow from investing activities 48500
III. Cash flow from financing activities:
Cash received from investment 100000
Cash received from borrowing 100000
Cash received from other cash related to financing activities 20000<
Subtotal of cash inflow 220000
Cash paid for debt repayment 100000
Cash paid for distribution of dividends, profits or repayment of interest 20000
Other cash paid in relation to financing activities 7000
Subtotal of cash outflow 127000
Net cash flow from financing activities 93000
Net cash flow from financing activities 93000
Cash received from investments 100000
Cash received from borrowings 100000
Cash received from other financing activities 20000
Fourth, the effect of exchange rate changes on cash -
Fifth, the net increase in cash and cash equivalents +
Part V Financing Plan
I. Financing Methods
Equity-based financing (direct financing). Equity is the capital invested in a company by its shareholders. Equity in different forms of property organization has different ways of embodiment. It is because of its different ways of expression, so there are different equity financing tools. Direct financing totals about $100,000 . Debt financing (indirect financing). Debt capital is a certain period of time after the enterprise must repay the principal and pay interest on the funds, this part of the capital is not the shareholders of the capital, but can use this kind of capital for the shareholders to bring benefits. There are two main forms of debt financing: loans to financial institutions and the issuance of corporate bonds. At present SMEs mainly use loans from financial institutions. The instruments of debt financing are mortgage loans, credit loans, pledge loans, etc. For international debt financing there are bank guarantees, bank standby letter of credit financing, in addition to asset lock financing. The amount of indirect financing is about 100,000 dollars.Second, the use of funds
The use of our Taste financing lies in the leasing of the store and the decoration of the store. For the coffee shop, those equipments are also necessary, we use those funds for the store's leasing fee, renovation fee, the purchase of coffee machine and other equipments, and so on.
Part VI Risk Control
Caterer's Liability Insurance
There is a saying in the society that the ideal life is to live in the English countryside with German appliances, have a Japanese wife, a French lover, plus a Chinese cook. Whether or not this is the ideal standard of living for everyone, there is a message between the lines: food is in China. It's true, China is a country that is very particular about food, and it is also the country with the most developed catering industry in the world. China's food culture has a long history, and the restaurant industry is one of the oldest in China.
The catering industry refers to the food production and operation industry that provides food (including beverages), consumption venues and facilities to consumers through immediate processing and production, commercial sales and service labor. With the continuous development of the catering industry, people eat out more frequently become higher, with a variety of liability accidents are also endless, the number of civil liability compensation disputes between diners and restaurants is increasing.
From the insurance point of view, these civil liability risks unique to the restaurant industry can be transferred to the insurance company, and the most suitable liability insurance product is "restaurant operator liability insurance". The most suitable liability insurance product is "restaurant operators liability insurance". In order to avoid business risks, it is undoubtedly the simplest and most practical way for restaurants to purchase restaurant operators liability insurance. Catering operators liability insurance is the insurance company for the business license, tax registration and health permits, engaged in catering operations tourist hotels, restaurants, buffets and boxed lunches, cold drinks, bars, cafes, teahouses, vendors, and non-operational canteens and other venues to open a new liability insurance, but also an innovative form of public liability insurance.