1. Focus on products In the project investment plan, all details related to the products or services of the enterprise should be provided, including all surveys conducted by the enterprise. These questions include: What stage of development is the product in? What is its uniqueness? What is the method for enterprises to distribute products? Who will use the products of the enterprise and why? What is the production cost and price of the product? What is the enterprise's plan to develop modern new products? Bring investors into the products or services of the enterprise, so that investors will be as interested as entrepreneurs. In the project investment plan, entrepreneurs should try to describe everything in simple words-the definition and attributes of goods. Entrepreneurs are very clear, but others may not know its meaning. The purpose of making a project investment plan is not only to convince investors that the products of the enterprise will have a revolutionary impact in the world, but also to convince them that the enterprise has arguments to prove. 2. Dare to compete In the project investment plan, entrepreneurs should carefully analyze the situation of competitors. Who are the competitors? How do their products work? What are the similarities and differences between competitors' products and our own products? What are the marketing strategies adopted by competitors? It is necessary to clarify the sales, gross profit, income and market share of each competitor, and then discuss the competitive advantage of this enterprise relative to each competitor. It is necessary to show investors that customers prefer this enterprise because its products are of good quality, fast delivery, moderate positioning and appropriate price. The project investment plan should convince its readers that this enterprise is not only a strong competitor in the industry, but also a leader in determining industry standards in the future. In the project investment plan, entrepreneurs should also be clear about the risks brought by competitors and the countermeasures taken by enterprises. 3. Understand the market. The project investment plan provides investors with in-depth analysis and understanding of the target market. It is necessary to carefully analyze the influence of economic, geographical, occupational and psychological factors on consumers' choice to buy the products of this enterprise, and the role of each factor. The project investment plan should also include a major marketing plan, which should list the areas where the enterprise intends to carry out advertising, promotion and public relations activities, and clarify the budget and income of each activity. The project investment plan should also briefly describe the sales strategy of the enterprise: does the enterprise use external sales representatives or internal employees? Does the enterprise use distributors, distributors or franchisees? What kind of sales training will the enterprise provide? In addition, the project investment plan should also pay special attention to the details of sales. 4. Explain the course of action. The enterprise's action plan should be unsolvable. The following questions should be made clear in the project investment plan: How do enterprises push products to the market? How to design production lines and assemble products? What raw materials do enterprises need for production? What production resources do enterprises need? What is the cost of production and equipment? Does the enterprise buy equipment or rent equipment? Explain the fixed and variable costs associated with product assembly, storage and delivery. Show your management team that the key factor to turn an idea into a successful venture is to have a strong management team. The members of this team must have high professional and technical knowledge, management ability and many years of work experience, so as to give investors the feeling: "Look, who are these people in this team! If this company is a football team, they will always reach the World Cup finals! " The function of managers is to plan, organize, control and guide the company's actions to achieve its goals. In the project investment plan, the whole management team and its responsibilities should be described first, then the special talents, characteristics and achievements of each manager should be introduced respectively, and the contribution that each manager will make to the company should be described in detail. The project investment plan should also specify the management objectives and organization chart. 6. Excellent plan summary The plan summary in the project investment plan is also very important. It must make readers interested and eager to get more information, and it will leave a lasting impression on readers. The plan summary will be the last part written by entrepreneurs, but it is the content that investors should read first. It will extract the most relevant details from the plan, including a concise and vivid summary of the company's internal basic situation, the company's capabilities and limitations, the company's competitors, marketing and financial strategies and the company's management team. 1, avoiding risks

Risk aversion means that investors consciously give up risk behavior and completely avoid specific loss risks. Simple risk aversion is one of the most negative risk management methods, because investors often give up potential target income while giving up risk behavior. Therefore, this method is generally only used in the following situations: (1) Investors are extremely risk-averse. (2) There are other schemes that can achieve the same goal with lower risk. (3) Investors cannot eliminate or transfer risks. (4) The investor cannot bear the risk, or the risk is not fully compensated.

2. Loss control

Loss control is not to give up risk, but to make plans and take measures to reduce the possibility of loss or actual loss. The stage of control includes three stages: before, during and after. The purpose of pre-control is mainly to reduce the probability of loss, and the control during and after the event is mainly to reduce the actual loss.

3. Risk transfer

Risk transfer refers to the act of transferring the transferor's risk to the transferee through the contract. The risk transfer process can sometimes greatly reduce the risk of economic entities. The main forms of risk transfer are contract and insurance. (1) Contract transfer. By signing a contract, some or all risks can be transferred to one or more other participants. (2) insurance transfer. Insurance is the most widely used way of risk transfer.

4. Risk retention

Keep the risk, that is, take the risk. In other words, if a loss occurs, the economic entity will pay it with any funds available at that time. Risk retention includes unplanned retention and planned self-insurance (1). Refers to the payment from the income after the risk loss occurs, that is, no financial arrangements are made before the loss occurs. When the economic subject is not aware of the risk and thinks that the loss will not happen, or when the maximum possible loss related to the risk is obviously underestimated, it will take unplanned reservation to bear the risk. Generally speaking, there is no need to use capital reserve carefully, because if the actual total loss is much greater than the expected loss, it will cause difficulties in capital turnover. (2) protect yourself in a planned way. It means that before the possible loss occurs, various financial arrangements are made to ensure that the loss can be compensated in time. Planned self-insurance is mainly realized by establishing risk reserve. With the increasingly opening of China's financial market, the financial risks faced by commercial banks will also increase day by day. The core of future competition of commercial banks is the competition of risk management level. How to prevent and control new financial risks, resolve existing financial risks as soon as possible, and be in an invincible position in the competition with multinational banks is an urgent problem for commercial banks in China.