HND 大综合
HND大综合1GU1答案
Section1Question 1:Part AGiven the competitive nature of the mobile telecommunications market analyse the likely advantages and disadvantages to Opal of establishing a partnership agreement with another company.12Advantages:Firstly, the partnership agreements can provide Opal with technology assistance. It allows Opal for the joint development of new products and the sharing of technology. Secondly, a Chinese partnership not only gives Opal access to local knowledge but also provides an air of acceptability that is important when conducting business in China. Thirdly, local firms’ well-reputation and wealth of experience will also help Opal to ensure that product development and customer service is specifically targeted at meeting the local needs and demands of the local market. Fourthly, companies in partnership can share the costs and reduce the risk.Disadvantages:As for the disadvantages, firstly, the own technology of Opal might be leaked because of the sharing of technology which may result in the loss of Opal’s competitive advantages. Secondly, in a partnership with others, the control power of Opal’s own company might be distributed because of the consideration of other partners’ benefits. Thirdly, firms need to share the profits and there might be conflicts since those companies are profitable organizations.PART BIdentify and justify possible options the senior management may have which will enable Opal to maintain its current levels of success and profitability. 8Firstly, since Chinese market has enormous potential, Opal needs continue to invest inChinese market to gain more market shares for its expansion.Secondly, Opal can sign the partnership agreements with more companies, to gain more comprehensive market information and share the technology and develop new products.Thirdly, in order to maintain the characteristics and good reputation, Opal needs to keep the strong stance in relation to the environment, use more green and environmental materials to produce ‘environmentally friendly’ products and services, and keep offering a comprehensive mobile phone recycling scheme.Fourthly, it is necessary to deepen the agreement with Huawei, since Huawei is a long established and well-respected player in the Chinese telecoms market. By doing so, Opal can achieve the further expansion.Question 2PART AAssess the strengths and weaknesses of Opal as they seek to expanding in the coming years. 12StrengthsFirstly, the further deregulation of the telecommunications markets enabled Opal to capitalize on a number of opportunities.Secondly, Opal has its core markets, and the recent ‘opening-up’ of the Chinese market is currently providing Opal with opportunities for further expansion. Thirdly, the mobile devices division has allowed Opal to sell their phones to competing networks allowing access to a much larger market.Fourthly, as their characteristic, Opal has adopted a strong stance in relation to the environment, and they were one of the first phone manufacturers in the world to offer a comprehensive mobile phone recycling scheme and offers environmentally friendly products and services.W eaknessesFirstly, the first hand-held phones were high priced because of the high research and development costs and the need for highly specialized production facilities. And this may cause the needs of a large amount of investment capital and the decrease in sales. Secondly, Opal is a medium sized producer of handsets, which means it owns limited produce resources and investment capital resources. It may not be able to meet the needs of cooperation with other companies.Thirdly, the regulatory complexities of operating within the Chinese market may hinder the development and expansion of Opal.Lastly, the regulatory complexities of operating within the Chinese market and the fierce competition may hinder the expansion of Opal and increase a certain level of risk.PART BChoose two Key values highlighted in Appendix 3 and for each, explain how it has impacted upon the company’s activities. 8Firstly, the customer deserves service excellence.Opal is a customer- focused organization. Enterprise's core value is to focus on customer service and its quality. By doing so, the customer satisfaction and loyalty can be established and then the growth of sales and profits can be achieved. According to the case, in order to enhance the quality and satisfaction of customer services, the Opal has established the Service Development Section and Customer Care Department. With the rapid development of technology, the Service Development Section is tasked to enhance the customer experience of the mobile and web-based services. And the Customer Care section is tasked to ensure that customer expectations are consistently met. Both of them are aim to provide customers with excellent services.Secondly, we accept that while we are driven by technology we will always aspire to drive technology.The development of technology can provide Opal with higher tech-competitiveness, and help it to develop new products and expand to larger market. As for Opal, they continue invest in other innovative products and market research, and has been very successful in identifying market trends and then using the latest technological developments to satisfy customer needs. And, there is a Special projects section in Opalwhich requires significant investment and provides the leading-edge technology required for mobile and others.Section 2Question1PART AEvaluate possible sources of finance that Gold could access as it seeks to expand its business operations.Firstly, issuing shares are a financing way that Opal can access. It can meet a part of the Opal’s capital needs during its expansion, even though the amount of share capital issued will be limited to the authorized share capital amount.Secondly, issuing debentures are a useful way too. Debentures are loans made to companies that carry a fixed rate of interest. However, the debenture holders need to repay the principles on time and they do not participate in the running of the company like shareholders do.Thirdly, even though both issuing shares and dividends are appropriate for Opal, there still some differences between them. The shareholders have the control right of the company, but the dividend holders do not. And, the dividends holders need to repay the principle on time, while it won’t be necessary for shareholders. Lastly, the shareholders can get benefits from the dividends while the debenture holders can get them from the interests.PART B找到一类可以同时满足Opal 公司股东和Opal 在中国市场合作伙伴用来检验企业效率的财务数据信息. 请解释这类数据是如何满足这些利益相关者要求的。
HND金融大综合31-33
3.1※ whether to try to understand what the needs of the customers. Only find the needs of customer, there is possible to introduce the fittest products.※ Whether to find enough products to customer. Finding enough products, the customer can make comparison with each other, and can choose the best one.※ Whether the customer is satisfy to me. Only as possible as to thought for customer, there is has possible to make customer feel satisfied.※ Whether make a clear list to show the comparison with the chosen products.Because the customer is not professional, so with the help of me, they canchoose the best one for themselves.※Whether find the best one for themselves. It can explain I if try me best to thought for customer.3.2§ It is hard to know about the details of customer.Solution: spend more time to communicate with customer. Only find the needs of customer, there is possible to introduce the fittest products.§ It is hard make the customer trust me and the products of I suggest.Solution: choose enough products for them and make a clear list of show the details of the chosen products for them. And let themselves to make decision. § How to make the customer choose the products is best for themselves.Solution: I spend many time to find the products and compare the policies and details.§ It is hard to make a list to clear the same and difference with the chosen products.Solution: spend many time to know about the details about every products.3.3＃The premise of make the customer to choose the best for themselves is as possible as know about the need of customers. I spent two days to finish this work. So this side is good.＃I choose at last two company to compare the better one. And every products are chosen by the needs of customers. It also belong good job.＃I choose many products and compare them in details. And make a clear list to tell the difference to customer. So I get the ensure of the customer. It is also good.＃I use the as possible as sample knowledge to make the customer clear know the difference with the products. So it is ok.＃I try my best to find products and make clear comparison with them. and tell customer all the things I know. I thought it is quiet good.。
HND大综合1GU1答案
Sectio n1Questio n 1:Part AGive n the competitive n ature of the mobile telecom muni cati ons market an alyse the likely advantages and disadvantages to Opal of establishing a partnership agreeme nt with ano ther compa ny .12Adva ntages:Firstly, the part nership agreeme ntsca n provide Opal with tech no logy assista nce」t allows Opal for the joint developme nt of new products and the shari ng of tech no logy. Secon dly, a Chin ese part nership not only gives Opal access to local kno wledge but also provides an air of acceptability that is importa nt whe n con duct ing bus in ess in China. Thirdly, local firms 'ell-reputation and wealth of experience will also help Opal to en sure that product developme nt and customer service is specifically targeted at meet ing the local n eeds and dema nds of the local market. Fourthly, compa nies in part nership can share the costs and reduce the risk.Disadva ntages:As for the disadva ntages, firstly, the own tech no logy of Opal might be leaked because of the shari ng of tech no logy which may result in the loss of Opal'competitive adva ntages. Secon dly, in a part nership with others, the con trol power of Opal compa ny might be distributed because of the con siderati on of other part ners Thirdly, firms need to share the profits and there might be conflicts since those companies are profitable organizations.PART Bs be iIden tify and justify possible opti ons the senior man ageme nt may have which will enable Opal to maintain its current levels of success and profitability. 8Firstly, since Chin ese market has eno rmous pote ntial. Opal n eeds con ti nue to in vest in Chin ese market to gai n more market shares for its expa nsion.Secondly, Opal can sign the partnership agreementswith more companies, to gain more comprehe nsive market in formatio n and share the tech no logy and develop new products.Thirdly, in order to maintain the characteristics and good reputation. Opal needs to keep the strong stanee in relation to the environment, use more green and en vir onmen tal materials to produce ‘ en vir onmen 上&11卩血欣1祖蚁 and services,and keep offeri ng a comprehe nsive mobile phone recycli ng scheme.Fourthly, it is necessary to deepen the agreement with Huawei, since Huawei is a long established and well-respected player in the Chin ese telecoms market. By doing so, Opal can achieve the further expa nsion.Questio n 2PART AAssess the strengths and weaknesses of Opal as they seek to expanding in thecoming years. 12Stren gthsFirstly, the further deregulati on of the telecom muni cati ons markets en abled Opal to capitalize on a number of opportunities.Secondly, Opal has its core markets, and the recent ‘openin-up' of the Chinese market is curre ntly providi ng Opal with opport un ities for further expa nsion.Thirdly, the mobile devices division has allowed Opal to sell their phones to competi ng n etworks allowi ng access to a much larger market.Fourthly, as their characteristic, Opal has adopted a strong stance in relation to the en vir onment, and they were one of the first pho ne manu facturers in the world to offer a comprehe nsive mobile phone recycli ng scheme and offers en vir onmen tally frie ndly products and services.Weak nessesFirstly, the first han d-held phones were high priced because of the high research and developme nt costs and the n eed for highly specialized product ion facilities. And this may cause the n eeds of a large amount of inv estme nt capital and the decrease in sales.Secondly, Opal is a medium sized producer of handsets, which means it owns limited produce resourcesa nd inv estme nt capital resources. It may not be able to meet the n eeds of cooperati on with other compa ni es.Thirdly, the regulatory complexities of operating within the Chinese market may hin der the developme nt and expa nsion of Opal.Lastly, the regulatory complexities of operati ng with in the Chin ese market and the fierce competiti on may hin der the expa nsion of Opal and in crease a certa in level of risk.PART BChoose two Key values highlighted in Appe ndix 3 and for each, expla in how ithas impacted upon the company ' s activities. 8Firstly, the customer deserves service excelle nce.Opal is a customer- focused organization. Enterprise's core value is to focus on customer service and its quality. By doing so, the customer satisfaction and loyalty can be established and the n the growth of sales and profits can be achieved.According to the case, in order to enhance the quality and satisfaction of customer services, the Opal has established the Service Developme nt Sectio n and Customer Care Departme nt. With the rapid developme nt of tech no logy, the ServiceDevelopme nt Secti on is tasked to enhance the customer experie nee of the mobile andweb-based services. And the Customer Care secti on is tasked to en sure that customer expectati ons are con siste ntly met. Both of them are aim to provide customers with excelle nt services.Secon dly, we accept that while we are drive n by tech no logy we will always aspire to drive tech no logy.The developme nt of tech no logy can provide Opal with higher tech-competitive ness, and help it to develop new products and expa nd to larger market. As for Opal, they continue inv est in other inno vative products and market research, and has bee n very successful in ide ntify ing market trends and the n using the latest tech no logical developme nts to satisfy customer n eeds. And, there is a Special projects sect ion in Opal which requires sig nifica nt inv estme nt and provides the lead in g-edge tech no logy required for mobile and others.Sectio n 2Questio n1PART AEvaluate possible sources of finance that Gold could access as it seeks to expa ndits bus in ess operati ons.Firstly, issuing shares are a financing way that Opal can access. It can meet a part of the Opal ' s capital needs during its expansion, even though the amount of share capital issued will be limited to the authorized share capital amount.Secon dly, issu ing debe ntures are a useful way too. Debe ntures are loa ns made to compa nies that carry a fixed rate of in terest. However, the debe nture holders n eed to repay the prin ciples on time and they do not participate in the running of the compa ny like shareholders do.Thirdly, eve n though both issu ing shares and divide nds are appropriate for Opal, therestill some differences between them. The shareholders have the control right of the compa ny, but the divide nd holders do not. And, the divide nds holders n eed to repay the principle on time, while it won' tbe necessary for shareholders. Lastly, the shareholders can get ben efits from the divide nds while the debe nture holders can get them from the in terests.PART B找到一类可以同时满足Opal公司股东和Opal在中国市场合作伙伴用来检验企业效率的财务数据信息.请解释这类数据是如何满足这些利益相关者要求的。
HND金融大综合
HND金融大综合2.1 The demands of these consumer can divide into savings, mortgage needs and protection needs.2.11 The demands of savings. The cost of daily life, the cost of three children, the crowd of high income, The surplus income need to save. 2.12 The demands of protection needs. Flynn has an outstanding mortgage of ￡450,000, and this couple has recently decided to build an extension to their home at a cost of ￡300,000. The demands of protection needs. 2.13 The adults is more old than yesterday, and the state of health of them we all do not know. They all need some help to get guarantee to ensure their cause. The children of Janet need a good environment to grow. And their family should protect their property. 2.2~2.3 ◆ The cost of daily life. Every family all need this for spending. If there is not a particular plan, this family will be faced with many problem. So the current account is the best choose. ◆ The education cost of Flynn’s three children. All parents want to their children have a perfect childhood to the benefit of their future. So have a whole educat ion is necessary. So a good family affirm draw up a plan for their child ab ovo. We need to choose educational endowment. ◆ Janet work as Alexander’s personal assistant. As his assistant she is paid a salary of ￡550,000 per annum. So he is belong to the human of high income. They also need to rate payment very much. But we can take steps of avoid the tax, and find the product of tax exemption. So the fixed interest savings certificates is best fit for us. ◆Like the high income crowd. Then have a large of money can not use. So the last money we will save it. The best way is save it in fixed deposit. Fixed deposit is our good choice. ◆ Flynn has an outstanding mortgage of ￡450,000 on the property. And the loan of he has loss occurrence. So the best way perhaps change it to capital and interest mortgage. Because it can reduce the lose. ◆ Flynn has recently decided to build an extension to their home at a cost of ￡300.000. But he does not have mortgage to get loan. So he only to get it by himself. ◆ When the adults grow older. Everyone all want have a guarantee for themselves. Even if has an accident in the future. But can not get so much attack. So they need to buy the insurance of term insurance. ◆ Ditto. When the adults grow older. The health of themselves is more and more to hard to know. And their body can not get some serious attack. So they are better to buy the insurance of accident insurance. ◆ No matter what man or women. They have the cause of themselves. So they also need to buy the insurance of enterprise insurance. ◆ The three children of Janet. They are young. So they need a guarantee for their growth life. Prevent happen something we don not want. The accident insurance is very good. Because the children are very naughty. ◆ Every family has their own economy. And must protect their income to hold the cost of everything. I think the property insurance is the obbligato for every family. 2.4 ☆Alliance Leicester plc Alliance Leicester plc(LSE:AL) is a British bank, formerly a building society. It was formed in 1997 by the flotation of the former Alliance Leicester Building Society on the London Stock Exchange. It is listed on the FTSE 100. its headquarters are in Carlton Park, a business park in Nar borough, south of Leicester in England. ☆HSBC Headquartered in London, HSBC is one of the largest banking and financial services organizations’ in the world. HSBC's international network comprises around 7,500 offices in 87 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. ☆Banco Santander Santander holds a unique position in international banking, with a solid base of recurrent retail commercial banking and a high degree of geographical diversification, which guarantees its future. Continental Europe, where the main commercial units are the Santander and Banesto Networks in Spain, Santander Totta in Portugal and Santander Consumer Finance, which has consumer finance operations in 19 countries. ☆ Lloyds TSB Black Horse isthe leading provider of finance at Point of Sale in the United Kingdom. Available through 13,000 dealers and retail stores around the country, every year Black Horse helps 1 million personal and business customers buy their car, caravan, motorhome, motorcycle or to fund the purchase of home improvements or something special, such as an exotic holiday. With the backing of the Lloyds Banking Group, Black Horse has over 50 years experience and is committed to customer satisfaction. ☆Halifax bank This site is intended for UK residents unless otherwise stated. Halifax is a division of Bank of Scotland plc. Bank of Scotland plc, HBOS Investment Fund Managers Limited, Halifax Life Limited and Halifax Share Dealing Limited and St Andrew’s Li fe Assurance plc are authorised and regulated by the Financial Services Authority, 25 The North Colonnade, Canary Wharf, London E14 5HS. They are entered in the Financial Services Authority’s Register and their Register Numbers are 169628, 119223, 171881, 183332 and 189101. This is an English language site, all contracts will be in the English language only. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Copyright ?? 2010. All rights reserved ☆ A VIV A Aviva is a leading provider of life and pension products in Europe (including the UK) with substantial positions in other markets around the world, making it the world’s sixth largest insurance group based on gross worldwide premiums at 31 December 2009. Our main activities are long-term savings, fund management and general insurance 1 . We have worldwide sales of ??45.1 2 billion and ??380 2 billion of funds under management. We have 46,000 employees serving over 53 million customers in 28 countries around the world. ☆AIG American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries. AIG companies serve commercial, institutional and individual customers through one of the most extensive worldwide property casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Ireland and Tokyo ☆ A V A In 1980, AXA did not exist. Over the next 30 years, the Group would grow to become a major international player. AXA announced the strengthening of its position in Central and Eastern Europe with the acquisition of minority interests held by the European Bank for Reconstruction and Development (EBRD) in AXA's Hungarian, Czech and Polish subsidiaries, and a transaction, currently under negotiation, pursuant to which AXA would acquire 100% of AXA Asia-Pacifi c Holding's (AXA APH) Asian businesses while an Australian partner would acquire 100% of AXA APH's Australia and New Zealand businesses. ☆ Barclays Since the business was established more than 300 years ago, Barclays has grown to offer a range of products and services tailored to meet the specific needs of its customers all over the world. As a responsible global citizen, Barclays is committed to ensuring the sustainability of the communities in which the business operates, and strives for sustainable relationships with cu stomers and clients worldwide. 2.5 definition ▼ current account: a current account is a money transmission service that allows funds to be transferred to another person or company. Most current accounts are either card-based or cheque-based accounts. Becau se it can be used any time. ▼ instant access savings: instant access savings accounts vary considerably in terms of the interest rates they pay to savers and the additional features they provide. It pays the saver to ’shop around’ for the best savings deal. Because their income is high, so they need choose a fixed interest to reduce their tax. ▼ fixed interest saving certificates: FISCs provide savers with a tax-free return and offer guaranteed interest rates over a fixed term. It can ensure that they will not fell trouble when they are in trouble. ▼ term assurance: term assurancepolicies are the most common and cheapest assurance contracts, and the oldest types of policies in existence. Everyone all need have a guarantee life. ▼capital and interest mortgag e: a capital and interest repayment mortgage facility is one that requires the borrower to repay a part of the capital borrowed and an interest payment charged on that capital each time a payment is made. ▼ personal accident: personal accident policies may be purchased to provide benefits when an individual is unable to work due to an accident. Because everyone possible get damage in their work. ▼ permanent health insurance: PHI products go future than personal accident polices by protecting against total disability resulting in a person being unable to carry on their occupation. Everyone all need have a guarantee life. ▼ income protection policies: these policies provide protection in the event of any of the following occurring during the term of a loan. So need something to give them a guarantee. ▼ whole of life: whole of life policies are provided by the same organizations as term assurance policies. It can ensure that they will not fell trouble when they are in trouble.。
HND大综合1GU1答案
Section1Question 1:Part AGiven the competitive nature of the mobile telecommunications market analysethe likely advantagesand disadvantagesto Opal of establishinga partnershipagreement with another company.12Advantages:Firstly, the partnership agreementscan provide Opal with technology assistance.It allows Opal for the joint development of new products and the sharing of technology. Secondly, a Chinese partnershipnot only gives Opal access to local knowledge but also provides an air of acceptability that is important when conducting business in China. Thirdly, local firms 'well -reputation and wealth of experience will also help Opal to ensure that product development and customer service is specifically targeted at meeting the local needs and demands of the local market. Fourthly, companies in partnership can share the costs and reduce the risk.Disadvantages:As for the disadvantages, firstly, the own technology of Opal might be leaked because of the sharing of technology which may result in the loss of Opal 'csompetitive advantages. Secondly, in apartnership with others, the control power of Opal company might be distributed because of the consideration of other partners Thirdly, firms need to share the profits and there might be conflicts since those companies are profitable organizations.PART BIdentify and justify possible options the senior management may have which willenable Opal to maintain its current levels of success and profitability. 8Firstly, since Chinese market has enormous potential, Opal needs continue to invest in Chinese market to gain more market shares for its expansion.Secondly, Opal can sign the partnership agreementswith more companies, to gain more comprehensive market information and share the technology and develop new products.s be nThirdly, in order to maintain the characteristics and good reputation, Opal needs to keep the strong stance in relation to the environment, use more green and environmental materials to produce‘ environmentally friendly ' products and services and keep offering a comprehensive mobile phone recycling scheme.Fourthly, it is necessary to deepen the agreement with Huawei, since Huawei is a long established and well-respected player in the Chinese telecoms market. By doing so, Opal can achieve the further expansion.Question 2PART AAssessthe strengthsand weaknessesof Opal as they seek to expanding in thecoming years. 12StrengthsFirstly, the further deregulation of the telecommunications markets enabled Opal to capitalize on a number of opportunities.Secondly, Opal has its core markets, and the recent ‘ openin-gup'of the Chinese market is currently providing Opal with opportunities for further expansion.Thirdly, the mobile devices division has allowed Opal to sell their phones to competing networks allowing access to a much larger market.Fourthly, as their characteristic, Opal has adopted a strong stancein relation to the environment, and they were one of the first phone manufacturers in the world to offer a comprehensive mobile phone recycling scheme and offers environmentally friendly products and services.WeaknessesFirstly, the first hand-held phones were high priced because of the high research and development costs and the need for highly specialized production facilities. And this may cause the needs of a large amount of investment capital and the decrease in sales. Secondly, Opal is a medium sized producer of handsets, which means it owns limited produce resourcesand investment capital resources. It may not be able to meet the needs of cooperation with other companies.Thirdly, the regulatory complexities of operating within the Chinese market may hinder the development and expansion of Opal.Lastly, the regulatory complexities of operating within the Chinese market and the fierce competition may hinder the expansion of Opal and increase a certain level of risk.PART BChoose two Key values highlighted in Appendix 3 and for each, explain how ithas impacted upon the company ' s activities. 8Firstly, the customer deserves service excellence.Opal is a customer- focused organization. Enterprise's core value is to focus on customer service and its quality. By doing so, the customer satisfaction and loyalty can be established and then the growth of sales and profits can be achieved. According to the case, in order to enhance the quality and satisfaction of customer services, the Opal has established the Service Development Section and Customer Care Department. With the rapid development of technology, the Service Development Section is tasked to enhance the customer experience of the mobile and web-based services. And the Customer Care section is tasked to ensure that customer expectations are consistently met. Both of them are aim to provide customers with excellent services.Secondly, we accept that while we are driven by technology we will always aspire to drive technology. The development of technology can provide Opal with higher tech-competitiveness, and help it to develop new products and expand to larger market. As for Opal, they continue invest in other innovative products and market research, and has been very successful in identifying market trends and then using the latest technological developments to satisfy customer needs. And, there is a Special projects section in Opalwhich requires significant investment and provides the leading-edge technology required for mobile and others.Section 2Question1PART AEvaluate possible sources of finance that Gold could access as it seeks to expandits business operations.Firstly, issuing shares are a financing way that Opal can access. It can meet a part of the Opal 's capital needs during its expansion, even though the amount of share capital issued will be limited to the authorized share capital amount.Secondly, issuing debentures are a useful way too. Debentures are loans made to companies that carry a fixed rate of interest. However, the debenture holders need to repay the principles on time and they do not participate in the running of the company like shareholders do.Thirdly, even though both issuing shares and dividends are appropriate for Opal, there still some differences between them. The shareholders have the control right of the company, but the dividend holders do not. And, the dividends holders need to repay the principle on time, while it won' tbe necessary for shareholders. Lastly, the shareholders can get benefits from the dividends while the debenture holders can get them from the interests.PART B找到一类可以同时满足Opal 公司股东和Opal 在中国市场合作伙伴用来检验企业效率的财务数据信息. 请解释这类数据是如何满足这些利益相关者要求的。
北京理工大学SQA HND留学问题解答
北京理工大学SQA HND留学问题解答1. SQA(苏格兰政府资格监管局)是一个什么机构？答：现将中华人民共和国驻英国大使馆教育处来信摘要如下：经查，苏格兰政府资格监管局(SQA---Scottish Qualifications Authority)，由英国议会于1997年批准成立。
1999年后隶属于苏格兰教育部，受苏格兰首相直接领导。
该监管局是负责大学学位以外大专学历等其他资格的审定、颁证和资质鉴定的法定政府机构。
2.HND证书是一种什么证书？答：现将中华人民共和国驻英国大使馆教育处来信摘要如下：经查，苏格兰政府资格监管局(SQA---Scottish Qualifications Authority)所颁布、审定和鉴定的国家高等学历证书(SQA HND-----Higher National Diplomas)由英国学术认证信息中心所认证，相当于大专学历。
3.中国（教育部）留学服务中心·英国高等教育文凭毕业生，是不是只能去英国留学攻读学士学位？答：不是。
取得英国高等教育文凭的学生，如果学生的英语水平与专业课成绩符合所报读的英国、荷兰、澳大利亚、马来西亚等国大学的录取要求，学生就可以选择这些国家的大学继续攻读学士学位。
4.学生如何取得英国高等教育文凭证书？答：学生在完成所有中国（教育部）留学服务中心·英国高等教育文凭项目专业课程学习，且每门课成绩合格，经过英方审核认可后，方可获得英国高等教育文凭毕业证书。
5.中国（教育部）留学服务中心·英国高等教育文凭的学生将在哪些方面受益？答：通过该文凭课程的学习，学生可获得国际上认可英国高等教育文凭，为升学和就业创造更多的机会；通过实践性的学习方式，使学生获得必备职业技能，以便迅速适应将来的职业岗位，提高学生的就业竞争力；获得该文凭的学生，相当于完成英国大学的前两年课程，同时具备相当程度的英语水平，为学生以后的出国深造奠定了良好的基础；符合英国、荷兰、澳大利亚及马来西亚等大学录取条件者可进入英国大学继续完成学士学位课程和硕士学位课程。
HND金融大综合2
DL15 35: Financial Services: Group Award Graded Unit 2 (HND)1 IntroductionThis pack must be used in conjunction with a copy of the Graded Unit specification which details the standard of performance expected of the candidate. A copy of the Graded Unit specification can be obtained from SQA.This pack supplements the instructions for designing the assessment task and assessing candidates of the Graded Unit specification. It aims to provide an example of assessment that is valid, reliable and practicable. The assessment task(s) detailed in this pack corresponds to the instructions for designing the assessment task outlined in the Graded Unit specification.The example provided is intended for guidance only. It may be used in a variety of ways including, for example:♦to exemplify the standard of performance expected of candidates achieving the Graded Unit, ie as a benchmark♦to help you develop your own assessment for the Graded Unit♦to give you new ideas♦as a staff development toolPlease note: The subject material that is being delivered as part of this course is of a specialised nature. It is recommended that centres ensure that suitably knowledgeable and qualified staff be employed in delivering the programme. If the material is to be delivered on an open or distance learning basis, it is recommended that suitably knowledgeable andqualified staff be employed to develop the course support materials.It is important that you make sure that the assessment exemplar is used in a context appropriate to the delivery of the Graded Unit and to the Group Award of which it forms a part. It is also very important that you note that using this assessment exemplar does not automatically guarantee successful external moderation. It is still your responsibility to make sure that all the appropriate internal quality assurance procedures are satisfactorily completed. For example, a valid, effective and approved internal moderation system must be in use at your centre.Recommended readingBefore using this material you might find it useful to look at some of our other publications, in particular:♦Guide to Assessment and Quality Assurance for Colleges of Further Education (AA0841/3, September 2003)♦Guidance on Special Assessment Arrangements (AA0645/4, September 2003)♦Quality Assurance Principles, Elements and Criteria (A0798, December 1998)Details of these and other SQA publications are available in SQA Information, our publications catalogue which is updated and printed twice a year (telephone: 0845 279 1000). SQA Information lists all published HN assessment exemplars. You could also visit our website at . A free copy of this pack is available to all SQA approved centres at the time of initial distribution. Additional copies can be obtained, price £20.00 from SQA’s Customer Contact Centre, 24 Douglas Street, Glasgow, G2 7NQ (telephone:0845 279 1000 or fax: 0141-242 2123).Other related UnitsThis Graded Unit has been validated as part of the HND Financial Services at level 8 within the Scottish Credit and Qualifications Framework (SCQF)1. Centres are required to develop the assessmentinstrument in accordance with the validated specification.It is recommended that the candidate should have completed, or be in the process of completing, thefollowing Units relating to these specific aims prior to undertaking this Graded Unit:DE5P 35 SCQF level 8 InvestmentDE5W 35 SCQF level 8 Pension ProvisionDE5R 35 SCQF level 8 Principles of InsuranceDE5V 35 SCQF level 8 Financial Services Regulatory FrameworkCore SkillsWhere Core Skills have been embedded in a Graded Unit specification and an Assessor wishes to use an alternative method of assessment, she/he must ensure that the assessment generates the EvidenceRequirements specified in the Graded Unit specification. It is recommended that the centre seek priormoderation for the alternative method to ensure that the Core Skill is still covered. The Graded Unitspecification will detail the Core Skills covered within the Graded Unit.There are no Core Skills embedded in this Graded Unit.1The SCQF provides the national common framework for describing all relevant programmes of learning qualifications in Scotland. The level a qualification is assigned within the framework is an indication of how hard it is to achieve. There are 12 levels, from level 1 for Access 1 through to level 12 for doctorates. For further information on the level and credit rated see the Unit specification.2 How to generate evidenceIntroductionThe Scottish Qualifications Authority’s system of assessment measures the evidence of a candidate’sattainment of knowledge, understanding and skills against defined criteria. The assessment process must allow for evidence of each candidate’s performance to be generated and collected. This evidence mustthen be judged against the standards set out in the Graded Unit specification. To achieve the Graded Unit the candidate must successfully meet the standards and there must be evidence to prove this.The Graded Unit specification defines the criteria you need to use to judge whether or not the candidatehas met the standards. All Graded Units have the following:Instructions for designing the taskThese tell you what the candidate actually has to do.Recommended prior knowledge and/or skillsThis section details the recommended knowledge and skills which the candidate should have completed or be in the process of completing prior to undertaking Graded Unit.Assessment guidelinesThis section should give guidance on how best to conduct the assessment to generate the evidence required.It is important to realise that it is up to the Assessor to judge when and if the candidate has satisfactorilymet the standards. This decision should be based on the quality and correct quantity of evidence collected, set against the standards in the Graded Unit.The assessment instrument in this pack should not create any unnecessary barriers to achievement foropen/distance learning delivery or candidates with special needs. However, you may need to adapt it sothat you can assess candidates with special needs or candidates who are undertaking the Graded Unit on an open/distance learning basis. Obviously, whilst taking into account the needs of the candidate concerned, the methods of assessment you choose must still be valid, reliable and practicable. If you have anyquestions or problems, or if you are in any doubt as to whether or not the alternative assessment you have chosen is still valid, please contact the Customer Contact Centre on telephone: 0845 279 1000.External Moderation — Guidance on Best PracticeIn order to increase the likelihood of successful external moderation it is strongly recommended that:♦Centres have their question papers with marking instructions prior moderated by SQA. Staff are advised to put the materials through an internal moderation process before submission to SQA. Staff are advised to submit these materials to SQA not less than eight weeks before their intended use to Assessment Moderation Unit, Scottish Qualifications Authority, Hanover House, 24 Douglas Street, Glasgow G2 7NQ.♦Question Papers are assigned a unique identifier (eg Lauder 5460352 May 2002) and this should be recorded against each candidate’s name. This should help to avoid candidates receiving the same question paper for re-assessment.♦Centres produce a coverage grid for each question paper to ensure that the paper is correctly balanced and in accordance with the Graded Unit. Questions and marks should be linked directly to therelevant Unit and Outcome in the Arrangements.♦Marking instructions are sufficiently detailed to indicate clearly how many marks are to be awarded for each response. Where appropriate, ‘or any other suitable response’ should be included if there is a wide range of possible answers. This will avoid penalising candidates for omissions in themarking instructions. If examples are to be provided by a candidate then examples should also be provided in the marking scheme.♦Half marks should not be used since, cumulatively, they inflate candidates’ scores artificially.♦For security purposes, question papers are counted out and counted back after the examination. They should then be shredded and only the master copy retained securely by centres.♦Markers write 0, 1, 2, 3, etc, on scripts to show where marks have (or have not) been awarded and these should relate directly to the marking instructions. ‘Global’ totals for questions are notuseful unless it is clear how they have been derived.♦Centres produce a summary list of candidates showing:i)centre name and numberii)candidate’s name with unique identifier of question paperiii)candidate’s date of birthiv)SQA candidate numberv)marks for both sections and total mark,vi)grade achievedThis should be enclosed with the scripts, question papers and marking instructions submitted for moderation.♦The question paper is drafted in accordance with these and any other guidance notes on writing an examination paper supplied by SQA .NB:F or security reasons, please note that an Assessment Exemplar for this Unit should not be used as an instrument of assessment. However,individual questions may be lifted (and amended slightly, wherepossible) and used to supplement centres’ own questions in theirquestion papers.♦Please provide clear instructions to candidates, amending the ‘instructions to candidates’ on the question paper as app ropriate. Ensure that candidates are informed how to change their answers, particularly to the multiple choice questions.NB: Answers may need to be changed more than once.♦Every question paper should indicate the originating centre’s name and number, and date of first issue (eg Lauder 5460352, May 2002).3 Assessment ExemplarAssessment tasksThe table below summarises how the assessment exemplar task is to be marked and also indicates theevidence which should be retained for external moderation.Suggested task Suggested evidence to be retainedWritten examinationAllThe examination will be marked out of 100.Assessors will aggregate the marks achieved by thecandidate to arrive at an overall mark for theexamination. Assessors will then assign a grade tothe candidate for this Group Award Graded Unitbased on the following grade boundaries:♦ A = 70% – 100%♦ B = 60% – 69%♦ C = 50% – 59%Conditions of assessmentThe design rules for HND programmes state that all Group Award Graded Unit Assessments must have a credit value of one credit.This Group Award Graded Unit Assessment has been designed to provide evidence that the candidate has achieved a number of the principal aims of the HND Financial Services programme. The aims can be found in the Validation Document and in the Graded Unit Specification.The intention of this Unit is to assess the knowledge and skills of the candidate in four of the core Units at level 8:♦Investment♦Pension Provision♦Principles of Insurance♦Financial Services Regulatory FrameworkIt is essential that candidates must have completed, or be in the process of completing, all of these core Units.The assessment will take place at the end of the academic year.The candidate must successfully complete all elements of the assessment to the required standards.A new examination covering significantly different areas of the knowledge and skills should be used for each reassessment.It is recommended that the examination should not assess knowledge and skills that have already been assessed earlier in the core Unit assessment.The examination will be based upon a case study that will be provided to candidates at least 10 days before the date of the examination. Questions will be based upon the given facts in the case study.The examination, which lasts three hours, is to be carried out under open-book conditions in controlled and invigilated conditions and candidates may answer questions with the aid of reference and/or source materials.The examination should be des igned to assess the candidate’s critical knowledge and understanding of the topics relating to the specific aims which this Group Award Graded Unit is designed to cover. The question and corresponding marks should be designed in accordance with the ranges indicated in the table that follows. However, the overall total mark for the examination is 100.Topic Level of knowledge/understanding Weighting/ mark allocationInvestment Analysis, calculation,recalling, explaining30 – 40% (Could involve:♦calculations relating to giltsyields or purchaseconsideration♦calculations relating to rightsor bonus issues, or investorratios♦stock market operations♦stock market participants♦methods of issue♦classes of share capital♦shareholder information♦managed funds)Principles of Insurance Analysis, calculation,recalling, explaining20 – 30% (Could involve:♦defining/explaining type, scope, function or purpose ofinsurance♦identifying or explaining products♦matching protection needs to relevant insurance orassurance products♦explaining elements within a life policy♦explaining premiums)Topic Level of knowledge/understanding Weighting/ mark allocationPension Provision Analysis, calculation,recalling, explaining20 – 30% (Could involve:♦explaining elements of thestate pension provision♦calculating Inland Revenuebenefits and limits♦explaining the operation ofemployer run occupationalschemes♦explaining the operations ofadditional contributions♦explaining the operations ofnon standard pensionschemes)Financial Services LegalFrameworkRecalling, explaining 10 – 20% (Could involve:♦role of FSA♦powers, functions,responsibilities of FSA♦market abuse♦risk factors♦categories of investor♦authorisation routes♦regulated and exempt activities♦documents used to obtain evidence♦ombudsman scheme♦compensation)The examination will be marked out of 100. Assessors will aggregate the marks achieved by the candidate for each stage to arrive at an overall mark for the examination. Assessors will then assign a grade to the candidate for this Group Award Graded Unit based on the following grade boundaries:♦A = 70% – 100%♦B = 60% – 69%♦C = 50% – 59%Grade A Grade CIs a coherent piece of work which:♦has sufficient evidence for the four phases of the examination and isproduced to a high standard♦demonstrates a clear and full understanding of the material, and isable to provide accurate calculationsto numerical questions♦is highly focused and relevant to the tasks associated with the examination♦is clear and well structured throughout and language used is of ahigh standard in terms of level,accuracy and technical content♦effectively consolidates and integrates required knowledge andskills Is a co-ordinated piece of work which:♦has sufficient evidence of the four phases of the project and is producedto an adequate standard♦demonstrates an acceptable interpretation of the material, and isable to demonstrate competence indealing with numerical questions♦is focused and relevant to the tasks associated with the examination♦is satisfactorily structured and language used is adequate in terms oflevel, accuracy and technical content♦consolidates and integrates knowledge and skills but this maylack some continuity and consistencyAssessment taskAssessment task instructionsCase studyAdam and Sylvia Freeman are long-standing customers of the Royal Bank of Clydesdale, Hometown Branch. The branch manager has referred them to you due to the fact that their financial needs are considerably more complex than she is able to deal with.Although employed by the Royal Bank of Clydesdale, you are an Independent Financial Adviser and able to discuss and offer advice on a range of products from a wide group of providers.Adam (37) is a freelance journalist who contributes stories to national and local newspapers. His main area of expertise is reporting on the war-torn parts of Africa. He earns an average of £60,000 per annum from his position but this can fluctuate. In the last four years he has earned as little as £45,000 and as much as £85,000. The higher figure was due to a short period of television reporting he undertook for the BBC due to the unexpected illness of their Chief Africa Reporter.His job takes him abroad constantly, although his expenses are met in full by the newspapers that commission him.The fact that he is out of the country so often means that it is difficult for Adamto find the time to deal with his finances.Sylvia (35) is a magazine photographer who specialises in ‘celebrity shoots’. She is very successful and is employed on a full-time basis by one of the better-known celebrity magazines. Her earnings from this employment total £58,000 per annum. She also benefits from membership of her company’s non-contributory pension scheme. The scheme offers defined benefits of 1/60th of final salary. She has been a member of the scheme for 10 years, and the scheme has a normal retirement age of 60 years.Both are high rate taxpayers.The couple live in Hometown in a six-bedroom detached bungalow valued at around £1m. They have a capital repayment mortgage of £220,000 outstanding, which matures in 14 years. However, neither is at home very often, with Adam in Africa five months of the year, and Sylvia in London four days a week.Recently, the couple have come to realise that their lives are about to change. Sylvia has become pregnant and their first child is due in four months time. Sylvia has decided to take the maximum time off work and only to consider whether to return to work once the baby has been born.Adam has decided to move back to the UK on a permanent basis to be near his wife and baby, although he realises that he will still need to travel within the UK on a regular basis.He has already discussed the matter with several of his clients who have agreed to continue to accept stories from him but which relate to UK politics. Fortunately this was the area that Adam trained in when he started in journalism 15 years ago. This change in working pattern will reduce his income by around£10,000 per annum on average.Sadly, Adam’s widowed mother died recently. As an only child all of her estate fell to him as sole heir. She was not a wealthy woman but she did leave property that is currently under offer at £170,000 and is expected to fetch about 20% above this offer price.Adam and Sylvia have little knowledge or experience of financial matters although they advise you that a few years ago Adam had invested £20,000 in a company in Africa that later collapsed. He lost his entire investment in the deal. He is now somewhat wary and concerned that investors like him have little or no protection against investment losses.Sylvia, by contrast, is a little more adventurous. A few years ago she invested in both ordinary and preference shares on the London Stock Exchange, and although they lost some money three years ago, they are now worth more than double the value of her original investment. She admits though to having little understanding of how they, or the markets, operate.Sylvia has also suggested that she might try her hand at investing overseas in some of the up and coming investment markets of the world.Sylvia mentions that at a recent dinner party he r best friend Amy’s husband Peter spoke about investments that would allow Adam to buy into the markets without the risk associated with shares. Peter also suggested that there might be some tax advantages in doing so. She cannot remember what these investments were called but she does remember that they had something to do with ‘fixed interest’.Adam and Sylvia view the future as a family with some trepidation. Adam as aself-employed individual has no pension and has made no provision for his future retirement. If Sylvia decides to give up work there will be even more pressure on him as the sole breadwinner. He confesses that he often worries about what might happen to his wife and child if he were to die early.Use the information provided above to prepare for your examination.The questions that you will be asked will be directly related to the facts in the given case study.ExaminationThis examination is open book and lasts for three hours. You should attempt all questions.Section A — Investment1Sylvia has mentioned that she does not understand what makes preference shares differ from ordinary shares.Explain how preference shares differ from ordinary shares.(10)2You realise that when Sylvia is talking about ‘fixed interest investments....that…do not have the risks associated with shares’, she is referring to Government Securities (Gilts).(a)Explain to Adam and Sylvia why gilts are considered to be ‘low risk’investments while shares are considered to be ‘medium to high risk’.(5)(b)Calculate the net redemption yield that Adam would receive if he wereto invest:(i)£20,000 in 5% Treasury Stock 2008 at £96 or(ii) £20,000 in 12% Treasury Stock 2012 at £120 (show your workings)(10)(c) Explain two of the methods that can be used by Adam to purchaseGovernment Securities.(6)3 Explain to Sylvia the advantages and disadvantages of investing overseas.(9)Total 40 marks Section B — Principles of insurance4 You identify that the couple will have the need for additional protectionproducts as a result of their changing lifestyles.(a) Explain to Adam the benefits and limitations of term life assurance,giving reasons for recommending this type of life cover.(10)(b) Suggest, with reasons, ONE type of term life assurance that youconside r to be suitable, given the couple’s circumstances.(5)5 You recommend that Adam should consider taking out Permanent HealthInsurance. Explain what this type of insurance is and give reasons for your recommendations.(15)Total 30 marks Section C — Pensions6 As a self-employed journalist Adam has mentioned that he has not madeany pension provision for himself.(a)Explain to Adam the main features of a Personal Pension Plan.(10)(b)Based on the expected future earnings that Adam will receive, what isthe maximum annual contribution that he could make to a PersonalPension Plan.(5)7 Sylvia has mentioned that she belongs to a non-contributory companypension scheme. Assuming that she earns £160,000 as a final salary at retirement, what is:(a) Her annual pension at retirement likely to be?(b) Her maximum tax free lump sum at retirement likely to be?(10)Total 20 marksSection D — Financial Services Regulatory Framework8 Adam’s reticence to invest in shares is due to the bad experience hereceived some years ago. His inheritance from his mother is quite considerable and you are keen to persuade him to set up his own portfolio of investments. Knowing that he has some concerns, explain to Adam how:(a)The Financial Services Compensation Scheme operates.(b)The protection that he can expect to receive from the FinancialServices Ombudsman should there be cause for complaint at a laterdate.10 marksTotal 10 marksTotal 100 marksAssessment taskSuggested solution and making an assessment decisionProject Stage Suggested markallocationSection A —Investment 1Preference Shares —candidates should identify that preferenceshares:♦provide dividends that are constant —expressed as apercentage♦have priority of dividend over ordinary shares♦have priority of repayment over ordinary shares onliquidation♦may offer cumulative dividends —unpaid dividends arebackdated when funds are available♦offer limited growth potential unless participating preferenceshares♦are only entitled to return of the nominal value of the shareson winding-up — not to any surplus♦may have reduced voting rights2(a) Low risk on gilts stems from the fact that gilts (governmentsecurities) are guaranteed by the UK government. As aconsequence it is not possible for the government to fail torepay an issue of gilts. It is simple for the government toborrow again to repay the gilt issue.Medium to high risks apply to shares due to the fact thatcompanies may suffer the ultimate risk of company failurethrough liquidation. Some company shares are less risky thanothers due to their financial strength and reputation.(b) i. 5/96 ⨯ 100 = 5.21% less tax 40% = 3.13% + 4/4 =4.13%ii. 12/120 ⨯100 = 10% less tax 40% = 6% − 20/8 = 3.5%(Candidates should show the workings)(c) Methods of purchasing Government SecuritiesFrom:♦direct from the Debt Management Office when a new issue ofstock is being sold:−prospectuses advertised in newspapers−applications available from DMO or Bank of EnglandRegistrar’s Department−investors can bid for £1,000 of stock and over−price paid will usually be average of prices paid by all of thecompeting bidders♦buying direct from the market2112121510Up to 3 marksfor each partallocation −access to the market for gilts sold by Gilt Edged MarketMakers is through a stockbroker or bank−banks will contact brokers on behalf of client−brokers will act as agent to obtain best price for gilts and willdeal with paperwork — in return for commission♦buying via the Bank of England Brokerage Service−postal system that allows private investor to buy or sell gilts−costs are lower for investor than through broker or bank−limited stocks are available and maximum amount per daycan be purchased or sold3 Investing overseas(a)Advantages♦provides diversification for the portfolio♦allows access to growing markets♦exchange rates may work in favour of the investor(b)Disadvantages♦exchange rates may work against the investor♦possible political uncertainty in the region♦possible introduction of exchange controls in the region♦difficulty and expensive to deal in another country♦more difficult to monitor the investments♦taxation may be a problem if the country of investmentdoes not have an agreement with the UK1 mark for eachSection B —Principles of Insurance 4 (a) Benefits of term life assurance:♦cheap form of insurance♦provide lump sum or annuity on the death of the assured♦may be taken out in joint names♦various types are available to suit the needs of theapplicant:−level term−increasing term−decreasing term suitable for mortgage protection−convertible term−renewable term−family income benefit♦term assurance might be useful for the couple in the casestudy for:−protection against death of either party —particularly important now that addition to thefamily is imminent−protection is against loss of either income over aprolonged period of time(b)Suitable type of life cover — choice from♦family income benefit♦level term♦increasing term♦convertible term5 Permanent Health Insurance (PHI)♦general insurance that provides for loss of income due toinsured being unable to work for a time due to illness orincapacity♦premiums are based on occupation and lifestyle rather thanage, gender and health121222up to 5 marks ifsuitable reasonsprovidedup to 15 marksfrom thefollowing (1 perpoint made)。
hnd大综合2_评价部分
We should enrich the primary resources. Not only the questionnaires, but also other methods such as observing and interview would be applied as the resources. We must ensure the accuracy and effectiveness of the data. Next, it’s necessary to increase other relative report about the company. Look for other investigators’ comments and finding. I t’s just acquiring inspiration from other places. Especially in facing the difficult, we should stop and carefully thinking the structure from top to bottom. In addition, we must avoid setting the repeat objects in the investigation. So this would save lots of time and resources. Further more, time arrangement should be reasonable. We can design a schedule and perform the steps according to the plan. If completed one steps advanced, we would adjust the schedule and speed up the process. If there occurred delay, we could cost one more day to complete it.
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HND 大综合
1．(a) Why BAA argued for two additional runways in Scotland?8
In Scotland, two additional runways will take the profit maximum for BAA’s airport which is the maximum profit we will get in nowadays. BAA plans mean it will spend more than 2 million every day on airport infrastructure. They pay much money in the construction and facilities in the airport. So BAA need to gain the more revenue and profit to off set the heavy capital expenditure. According to BAA’s nature of business module, they have a highly fixed cost and lower variable cost. So they hope fully use their operational potential which gain more profit. Additional runway takes more airlines and passengers to BAA. Under the circumstances, BAA need to gain more revenue to offset the highly fixed cost to achieve better financial performance.
Two additional runways will improve BAA’s future competition competence in Scotland. If they can argue more runways, it will help them to increase the operational ability and to attract more airways use our services. As a result, it will bring more business to our company. According to 2003 white paper, airport expansion and the future development of the aviation industry in the UK over the next 30 years. The BAA gains more additional operational ability will help us catch the opportunity to grow up in future.。