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培养学生独立工作能力的重要步骤，是实现培养目标要求的重要阶段，是对学生综合素质与工程实践能力培养效果的全面检验，是学生毕业资格认定的重要依据。toacustomerrequestforobjective,comprehensiveinvestigation,analysis,evaluation,focusingonfactorsthatcouldaffectcreditassets,effectiveidentificationofrisks.EighthinvestigatorsshouldbebasedontheBank'screditpolicyscreening,filterinlinewiththeBank'screditscopeofcustomer,creditbusiness,shallnotentertainourprohibitionofinvolvementofclientsandcreditbusiness.Ninethsurveyaboutcustomersurveysanddataverificationshouldbebasedonfieldsurveys,andindirectsurveysasasupplement.Ifnecessary,byexternalcreditBureautoverifytheauthenticityofcustomerinformation.Articletenthcreditpre-loaninvestigationshouldbecompletedbythepersonhimself,maynotauthorizeathirdparty,exceptwhereotherwiseprovidedforbythesystemoftheBank.BranchManagermayhint,instruction,ordersignatureofinvestigationsincasesthatarenotinvolvedintheinvestigation,pre-loaninvestigationamereformality.11thpre-loaninvestigationshouldbetwoparticipants,oneperson,anotherpersonaidedperson,exceptonbusinesswithspecialprovisions.Mainandauxiliaryofficersshallbeduediligence,investigatorsasasponsorofthecreditbusiness,bearprimaryresponsibilityforcredit,istheresponsibilityofcreditbusiness.Riskmanagersparticipateinthepre-loaninvestigationworkinparallel,asadoubleinvestigation,riskmanagersheldaccountablefortheirfindings.Article12thpre-loaninvestigationofficershallgivetheiropinioninacreditreportandsignatures,findingsshouldbeclear.Onlysignedcomments,andambiguousorcontradictory,deemedtobeagreedforthecreditbusiness.13thmarketinglinesmanagementdepartmentsatalllevelstomeettheconditionsofcredit第一部分总体第一章问题一．医药保健品的最大问题：消费者对保健品产品和广告不信任，主要表现在三个方面：1．扩大宣传：包治百病；2．虚假承诺：无效赔偿；3．名过其实：吃了有效，不吃无效。二．补血市场的最大问题：1．目前补血市场的总量在萎缩，市场占有率的前几名品牌（东阿、血尔、九芝堂）的总量加起来还不如红桃K最高峰时16.8亿/年的销量。2．消费者普遍存在迫切性不强的现象，中国有2亿人贫血，其中大部分是女性。俗话说，十女九贫，但真正重视的没几个，觉得贫血是小事或并不觉的自己贫血。3.市场上的补血产品都没有一个能让消费者信的过的机理，缺乏科学性、系统性。4．消费者潜意识中，补血产品都容易上火，而且会引起肥胖。这样就造成：l夏季等天气炎热季节销量受局限l有长痘，便秘、失眠等症状和想减肥的消费者（特别是女性）不敢吃三．消费人群的局限问题：1．儿童：儿童贫血人数不是最多，但迫切性是最强，但是XXX的报批内容中明确标注了，“不适宜人群：儿童青少年”。所以，儿童青少年市场就受到很大的局限。2．女性：十女九贫，女性贫血人数是最多，竞争最激烈，也最难启动，主要表现在：l东阿、血尔、九芝堂等都主打女性市场培养学生独立工作能力的重要步骤，是实现培养目标要求的重要阶段，是对学生综合素质与工程实践能力培养效果的全面检验，是学生毕业资格认定的重要依据。toacustomerrequestforobjective,comprehensiveinvestigation,analysis,evaluation,focusingonfactorsthatcouldaffectcreditassets,effectiveidentificationofrisks.EighthinvestigatorsshouldbebasedontheBank'screditpolicyscreening,filterinlinewiththeBank'screditscopeofcustomer,creditbusiness,shallnotentertainourprohibitionofinvolvementofclientsandcreditbusiness.Ninethsurveyaboutcustomersurveysanddataverificationshouldbebasedonfieldsurveys,andindirectsurveysasasupplement.Ifnecessary,byexternalcreditBureautoverifytheauthenticityofcustomerinformation.Articletenthcreditpre-loaninvestigationshouldbecompletedbythepersonhimself,maynotauthorizeathirdparty,exceptwhereotherwiseprovidedforbythesystemoftheBank.BranchManagermayhint,instruction,ordersignatureofinvestigationsincasesthatarenotinvolvedintheinvestigation,pre-loaninvestigationamereformality.11thpre-loaninvestigationshouldbetwoparticipants,oneperson,anotherpersonaidedperson,exceptonbusinesswithspecialprovisions.Mainandauxiliaryofficersshallbeduediligence,investigatorsasasponsorofthecreditbusiness,bearprimaryresponsibilityforcredit,istheresponsibilityofcreditbusiness.Riskmanagersparticipateinthepre-loaninvestigationworkinparallel,asadoubleinvestigation,riskmanagersheldaccountablefortheirfindings.Article12thpre-loaninvestigationofficershallgivetheiropinioninacreditreportandsignatures,findingsshouldbeclear.Onlysignedcomments,andambiguousorcontradictory,deemedtobeagreedforthecreditbusiness.13thmarketinglinesmanagementdepartmentsatalllevelstomeettheconditionsofcreditl迫切性不强——这么多年贫血，都没什么大问题l贫血与美容结合，没有一个产品能做的很成功原因：相对比保健品，化妆品用了就有立竿见影的感觉，而补血保健品没有。3．中老年人：相对女性好启动，贫血可与常见症状挂钩，但同样存在迫切性不强的问题。第二章机会一．第一品牌：目前补血市场没有很强势的市场老大，XXX有机会抢占第一把交椅。二．神秘文化：卖历史和文化的阿胶地位很稳固，XXX走藏医药路线同样可以卖历史。三．突出优势：《本草纲目》——XXX补血不上火，这是其他补血产品都无法做到的。四．产品科学：补血产品都没有一套成型的，很有科学性、系统性的机理，XXX诉求“补血先补髓，平补不上火”的机理可以突破这一点。五．两条腿走路：目前补血产品都在主打自己怎么好，抢占已有市场，对老市场的沉睡视而不见，XXX可以用两条腿走路1．创造市场——以血液的重要性、贫血的迫切性去创造市场。2．抢夺市场——以产品优势（从贫血源头—骨髓解决问题且不上火和综合效果是阿胶的XX倍）来抢夺市场。六．人群定位：红桃K衰退后，中老年补血市场相对空白，很多产品都盯着女性市场做，这是我们进入的一个机会。七．细分市场：针对女性月经后7天最佳进补期的产品还没有，XXX可以推出女性经期装强占这块空白的细分市场。八．礼品市场：培养学生独立工作能力的重要步骤，是实现培养目标要求的重要阶段，是对学生综合素质与工程实践能力培养效果的全面检验，是学生毕业资格认定的重要依据。toacustomerrequestforobjective,comprehensiveinvestigation,analysis,evaluation,focusingonfactorsthatcouldaffectcreditassets,effectiveidentificationofrisks.EighthinvestigatorsshouldbebasedontheBank'screditpolicyscreening,filterinlinewiththeBank'screditscopeofcustomer,creditbusiness,shallnotentertainourprohibitionofinvolvementofclientsandcreditbusiness.Ninethsurveyaboutcustomersurveysanddataverificationshouldbebasedonfieldsurveys,andindirectsurveysasasupplement.Ifnecessary,byexternalcreditBureautoverifytheauthenticityofcustomerinformation.Articletenthcreditpre-loaninvestigationshouldbecompletedbythepersonhimself,maynotauthorizeathirdparty,exceptwhereotherwiseprovidedforbythesystemoftheBank.BranchMa