Pyramid business model

Business model is the business logic of enterprise operation. The profit, survival and sustainable development of an enterprise all stem from its business model. Therefore, incubators can provide business incubation services for enterprises in entrepreneurship. First of all, it has the conditions to form its own business model of survival and sustainable development. Let's look at the pyramid business model.

Pyramid-like business model L 'Oré al's pyramid model

L 'Oré al's cosmetics include many kinds, among which nurse is the most common, followed by Maybelline, Yuxi and Vichy, and Lancome is the top one. Armani, biotherm and Helena Rubinstein are all L 'Oré al's top cosmetics. L 'Oré al has 65,438+06 cosmetics brands in China, Shiseido has 25 brands and Estee Lauder has 8 brands. If the income is relatively good, use Lancome, and if you have money, use Helena Rubinstein.

Swatch's pyramid model

Before Swatch watches appeared, most people bought a watch to make a living. You can change your clothes when they are worn out, but the watch will always be that one. It seems that only children wear fashionable watches, and the most common one is the watch with the image of Mickey Mouse.

But Hayek knew more about consumers than they knew about themselves. He persuaded consumers to wear different styles of watches on different occasions and for different purposes. Under the leadership of Hayek, since the birth of Swatch, consumers have abandoned the habit of wearing only one watch all their lives.

From 1983 to 1992, swatch sold 1 100 million watches, and four years later, it sold 200 million watches! Swatch had to introduce high, medium and low-grade products to meet the different preferences of different customers for product styles and colors, as well as the consumption differences caused by personal income differences, so as to maximize its customer base and form a product pyramid.

At the bottom of the tower, there are low-priced and large-scale products; At the top of the tower are high-priced and small-batch products. Swatch is the most common watch, followed by Tissot, Omega, Longines, Radar and Breguet. Moreover, Swatch Group and Mercedes-Benz cooperated to produce a Smart car, which is also the lowest car in the Mercedes-Benz series, and there are many products on it.

Swatch business model

Establish a product pyramid through mergers and acquisitions. A complete product line from low-end to high-end, no matter what your income, you can always buy a watch that suits your price at Swatch Group. Then control 75% of the market of key components such as movement through mergers and acquisitions. Then, by stopping the supply, it is required to indicate the brand of the movement to suppress the competitors. Enter the downstream watch retailer through equity participation.

Pyramid-style business model has developed to store model.

Generally speaking [3], the business model of service industry is more complicated than that of manufacturing and retail industry. What is the oldest and most basic business model? Shopkeeper mode? Specifically, it is to open a shop and show your products or services where there are potential consumers.

A business model is a description of how an organization performs its functions and a summary of its main activities. It defines the company's customers, products and services. It also provides information about how companies are organized and how they generate revenue and profits. The business model, together with the strategy, dominates the company's main decisions. The business model also describes the company's products, services, customer markets and business processes.

Most business models rely on technology. Entrepreneurs on the Internet have invented many brand-new business models, relying entirely on existing and emerging technologies. Using technology, enterprises can reach more consumers with the least cost.

Bait hook mode

With the progress of the times, the business model has become more and more complicated. ? Bait and hook? Mode？ Also known as? Razor and blade? Razor and blade mode, or? Tying? (bundled product) mode? Appeared at the beginning of the twentieth century. In this mode, the price of basic products is extremely low, usually at a loss; Related consumables or services are very expensive. Such as razor (bait) and blade (hook), mobile phone (bait) and talk time (hook), printer (bait) and ink cartridge (hook), camera (bait) and photos (hook), and so on. Another interesting change of this model is that software developers distribute their text readers for free, but their text editors cost hundreds of dollars.

Other modes

In 1950s, McDonald's started a new business model? S) and Toyota; The innovators in the 1960s were Wal-Mart and hypermarkets, which were supermarkets and warehouses. In 1970s, a new business model appeared in the operation of FedEx and Toys R Us toy stores. In the 1980s, it was Blockbuster, The Home Depot, Intel and Dell. In the 1990s, it was Southwest Airlines, Netflix, Yi Bei, Amazon and Starbucks. The business model without careful consideration is a serious problem for many internet companies.

Every innovation of business model can give the company a competitive advantage in a certain period of time. But with the change of time, the company must constantly reflect on its business design. As the value orientation (of consumers) shifts from one industry to another, enterprises must constantly change their business models. The success or failure of a company ultimately depends on whether its business design meets the priority needs of consumers.

The definition of pyramid financial management The so-called family financial management, conceptually speaking, is to learn to handle and use money effectively and reasonably, so as to maximize the effectiveness of one's expenses and meet the needs of daily life to the greatest extent. In short, family financial management is to plan and manage the family economy (mainly family income and expenditure) by means of corporate financial management and finance, so as to strengthen the family economic strength, improve the ability to resist risks and increase the family utility. Broadly speaking, reasonable family financial management will also save social resources, improve social welfare and promote the stable development of society.

From the technical point of view, family financial management is to use the principle of increasing income and reducing expenditure to achieve the economic goal that a family hopes to achieve in the most reasonable way. Such goals range from purchasing household appliances and traveling, to buying a car, buying a house, saving children's education funds, and arranging for retirement.

Overall, family financial planning includes three aspects: first, setting family financial goals; Secondly, grasp the current income and expenditure and assets and liabilities; Finally, how to use investment channels to increase family wealth.

Family financial management of pyramid financial management Generally speaking, a complete family financial management plan includes eight aspects:

1. Career planning. To choose a career, we must first correctly evaluate our personality, ability, hobbies and outlook on life, then collect a lot of information about job opportunities and recruitment conditions, and finally determine the work goal and the plan to achieve this goal.

2. Consumption and savings plan. You must decide how much of a year's income is used for current consumption and how much for saving. The tasks related to the plan are to prepare the balance sheet, annual income and expenditure statement and budget statement.

3. Debt Plan We must manage the debt, control it at an appropriate level, and reduce the debt cost as much as possible.

4. Insurance plan. With the success of your career, you have more and more fixed assets, and you need property insurance and personal credit insurance. In order for your children to live happily after you leave, you need life insurance. More importantly, in order to deal with diseases and other accidental injuries, you need medical insurance, because hospitalization expenses may wipe out your savings.

5. Investment plan. When our savings are increasing day by day, the most urgent thing is to find a portfolio that can give consideration to profitability, security and liquidity.

6. Retirement plan Retirement plan mainly includes the demand for consumption after retirement and how to meet these needs without working. It is not enough to rely solely on social endowment insurance. You must accumulate a retirement fund as a supplement when you have the ability to work.

7. The main purpose of the estate plan is to make people pay the lowest tax when they leave their property to their heirs. The main contents are an appropriate will and a set of tax avoidance measures, such as giving part of the property as a gift to the heir in advance.

8. Income tax plan Personal income tax is the government's sharing of personal success. On the basis of the law, you can completely achieve the effect of legal tax avoidance by adjusting your behavior.

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