2023年创业大赛项目策划书大学生创新创业大赛金融理财项目创业计划书范文.docx

创业大赛工程筹划书【大学生创新创业大赛金融理财工程创业方案书】 xx财经大学金融学院&国际商学院 “生活委员〞是一款内置于“工银e校园〞的创新性大学生组织资金管理工具。专注于为大学生组织解决在资金管理时遇到的各种困难。其主要功能是解决在各级学生组织日常运行时遇到的资金收付问题。并围绕该功能提供一系列衍生功能。 生活委员 大学生组织资金管理工具 目录 一、产品创意设计方案žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž2 （一）产品名称 žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž2 （二）产品运作概述 žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž2 1.“生活委员〞大学生组织资金管理工具（核心功能）žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž2 2. 活动众筹（附加功能）žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž4 3. 相互保险（附加功能）žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž4 4. 好友借贷（附加功能）žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž5 （三）产品盈利模式žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž5 （四）风险控制模式 žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž6 1.信用风险 žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž6 2.技术平安风险žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž6 3.道德风险žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž6 二、产品创新背景 žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž7 （一）市场分析 žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž7 1. 市场环境分析žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž8 2. 产品分析žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž8 3. 存在的时机和威胁žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž8 （二）目标客户žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž9 （三）产品现状和存在问题žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž9 1. 当前产品现状žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž9 2. 当前产品存在的问题žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž10 3. 新产品与已有产品竞争关系žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž10 三、产品必要性分析žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž10 （一）客户角度žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž10 （二）银行角度žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž10 四、产品可行性分析žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž11 （一）法律法规方面žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž11 （二）政策制度方面žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž12 （三）技术构架方面žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž12 五、产品效益分析žžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžžž13 “生活委员〞——大学生组织资金管理工具 一、 产品创意设计方案 （一） 产品名称 产品名称：“生活委员〞——大学生组织资金管理工具 产品释义： 该产品内置于“工银e校园〞 app，以一种前所未有的方式解决了一直以来困扰大学生的组织资金管理问题，市场需求巨大。该产品实现难度与本钱低，推广容易，可以迅速提高“工银e校园〞app在大学生中间的安装率。同时，依托该产品迅速培养的用户依赖性方便后续推出的一系列相关衍生金融效劳运行。充分挖掘了大学生群体中潜在的闲余资金流。对于推广工行其他金融效劳大有裨益。 （二） 产品运作概述 “生活委员〞大学生组织资金管理工具以“大学生组织资金收付管理系统〞为核心，配套衍生一系列大学生经济生活相关功能，包括：活动众筹，相互保险，好友借贷三种功能。下面对“生活委员〞以及其三种衍生功能做简要介绍。 1.“生活委员〞大学生组织资金管理工具（核心功能） 产品概念：“生活委员〞资金管理工具核心功能。“生活委员〞是一款内置于“工银e校园〞的创新性大学生组织资金管理工具。专注于帮助从班级、社团到学生会组织等各级大学生组织解决在资金收管理时遇到的各种困难。其主要功能是解决在各级学生组织日常运行时遇到的资金收付问题。 运行模式： 传统的校园各级学生组织进行资金收付时往往会遇到通知难，收取难，提醒难，管理难，监督难这五难问题。例如，在一个班级中班委如何确保收费信息通知到各位同学是一大难；同学们平日难以聚齐，如何收费是一大难；对于未交费用的同学，如何提醒他交费又是一个难题；收费后手里攥着大把现金如何统计如何存放又是不可回避的问题；同时，同学们对于上交的资金去向也需要一个简洁可靠的说明报告以监督资金使用情况。这些问题当遇到组织成员众多的班级、社团或者学生会等大型组织时更加凸显。 “生活委员〞这一资金管理工具由此需求应运而生。使用工银e校园开启“生活委员〞功能后，班级成员通过添加群组。在班级需要进行收费活动时由相关负责同学添加一个收费任务，填写金额、人员范围、时间等必要信息后就可以推送到班级同学的客户端。同学们对于需交费的信息一目了然，在确认后即可通过工银e校园网上转账。如果同学点开客户端看到了交费信息，在发起收费活动同学的任务界面上会显示“已阅〞。而在提示期内没有转账成功的同学会自动收到客户端的短信提醒，以防错漏信息。这样就一次性的解决了通知难，收取难，提醒难的问题。 资金收集后会存放于班级“班费库〞账户中。这个账户可以是一个由工行管理的即时存取的货币市场基金账户。这样既减轻了负责同学的保管负担，又可以让学生组织的大量闲余资金获得良好收益，这样完美的解决了学生组织资金管理难的问题。最后，每次组织资金提取使用都会自动形成一份简明的报告，班委可以选择把发票等资料拍照添加附件。这样相关资金的去向就一目了然，每过一个周期“生活委员〞会自动生成一个简明的财务报告。班级同学可以自己点开客户端查看。班费的使用情况、剩余情况以及资金收益等都一目了然。到达了合理监管的功能。同理，在校园社团以及学生会等大型学生组织中，这样的功能优势更加凸显。 适用场景： 场景一：A大学B班级（50人）开学后组织收取班费用于班级各项活动，该任务由班级生活委员C负责。C首先需要通知全班50人收取班费85元每人用于各项班级活动，C在班级群里发布消息。但是C无法确认同学们是否都看到信息，需不需要进一步通知。隔日C来到班级手里拿着一个大袋子和班级名册去收款，却发现有的同学没来上课难以一次收全班费，同时给同学找钱和鉴别钱币真伪也花费了C很长时间。C只得一个一个到班费后用笔在班级名册上打勾。收完后C又开始苦恼如何把收来的妥善保管，以及如何提醒没交钱的同学赶紧交费。C一直在想，如果工银e校园里能有一个功能帮助她轻松提醒同学交班费并收取班费然后记录收费情况最后还能提醒没交钱的同学交班费就好了。 场景二：A大学B社团（200人）的同学C最近向B社团交了85元社团活动费，据B社团的负责人D说这社团组织春游的费用，但是C觉得前一阵子才收了15元的社团入会费，这个收费不合理想要询问D具体社团费用收支情况但是又碍于面子不好意思问询。同时，B社团负责人D也想公布费用收支具体起情况，但是苦于社团会员众多这个事情做起来太麻烦。他们都想，如果工银e校园里有一个工具能帮助自动生成社团费用收支清单并且形成报告供成员随时查阅就好了。 2. 活动众筹（附加功能） 产品概念：围绕“生活委员〞这一资金管理工具的衍生功能之一。当在校大学生想要筹集资金进行活动筹办时。通过该产品可以直接向同学发起众筹活动，获取必要资金。 运行模式： 众筹工程发起---公布工程信息---其他用户确认款项---众筹成功---资金支出---资金使用情况反响 适用场景： 场景：A大学B学生会组织（100人）的同学C最近想组织一个公益活动，但是他研究了下组织这个公益活动大概需要活动经费1000元，这个