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Marketing Segmentation A Market segmentation means dividing a market for goods or services into distinct subdivisions. It takes a vague undistinguished group of consumers and uncovers those who have similar needs, those who make purchases or use products or services in the same. A market segment is a subgroup of people sharing similar consumer characteristics. And because each segment shares the same attitudes and behaviors, they generally respond the same to a given marketing strategy. B Markets can be divided in many ways. Small segments are sometimes called niche or specialty markets. One broad distinction is between industrial (business) and consumer markets. Despite overlaps in approach, the segmentation processes for these two separate markets can be quite distinct. Market also involves helping to choose which segments to focus on, or designing an appropriate set of ways to approach each market segment, or planning ways and methods to address the competition. C After identifying similar groups among customers and potential customers, the next goal of market segmentation is to prioritise which groups to address so as to best maximize market results. And then, to craft appropriate marketing strategies that satisfy the different consumers’ preferences of each segment. D The process of market segmentation is to study, define, attract, serve and hold segment or segments of the market which the company can most effectively and profitably address. Since the needs of customers, and how they decide between to choose one product or service over another, are shared by similar individuals in a segment, companies can use that to find groups of consumers that share those similar buying habits and criteria and study them in depth and address and satisfy them better. In that way the company can determine which groups of customers it can best and most profitably serve and which of its products and services can outstrip the competition in dominating that target market. Products or services should vary and serve different groups of consumers.

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Marketing Segmentation A Market segmentation means dividing a market for goods or services into distinct subdivisions. It takes a vague undistinguished group of consumers and uncovers those who have similar needs, those who make purchases or use products or services in the same. A market segment is a subgroup of people sharing similar consumer characteristics. And because each segment shares the same attitudes and behaviors, they generally respond the same to a given marketing strategy. B Markets can be divided in many ways. Small segments are sometimes called niche or specialty markets. One broad distinction is between industrial (business) and consumer markets. Despite overlaps in approach, the segmentation processes for these two separate markets can be quite distinct. Market also involves helping to choose which segments to focus on, or designing an appropriate set of ways to approach each market segment, or planning ways and methods to address the competition. C After identifying similar groups among customers and potential customers, the next goal of market segmentation is to prioritise which groups to address so as to best maximize market results. And then, to craft appropriate marketing strategies that satisfy the different consumers’ preferences of each segment. D The process of market segmentation is to study, define, attract, serve and hold segment or segments of the market which the company can most effectively and profitably address. Since the needs of customers, and how they decide between to choose one product or service over another, are shared by similar individuals in a segment, companies can use that to find groups of consumers that share those similar buying habits and criteria and study them in depth and address and satisfy them better. In that way the company can determine which groups of customers it can best and most profitably serve and which of its products and services can outstrip the competition in dominating that target market. The same consumption patterns are worth researching and making good use of.

Budgeting A Budgeting in a business sense is the planned allocation of available funds to each department within a company. Budgeting allows executives to control overspending in less productive areas and put more company assets into areas which generate significant income or good public relations. Budgeting is usually handled during meetings with accountants, financial experts and representatives from each department affected by the budgeting. B In a personal financing sense, budgeting can mean estimating monthly living expenses based on previous bills and wages. If your monthly income is a steady $3000, for example, you can subtract all of your known monthly bills from that figure even before they arrive. Some bills can be estimated and subtracted from the original income figure. The remaining balance after fixed expenses now becomes your household budget. Instead of assigning dollar amounts for sundries such as groceries, entertainment, gas and clothing, budgeting allows you to use percentages instead. C The key to successful budgeting is both flexibility and inflexibility. Certain expenses are fixed, so payment of those bills should be an inflexible element. Nothing is more important than paying those particular bills in full. In business, departments need to know the absolute ceiling on spending. Budgeting works best when very few exceptions are made to the upper limits. The idea of fiscal responsibility is to form a workable budget and stick to it as well as possible. D Budgeting also requires an element of flexibility. It isn’t always possible to assign a fixed dollar amount on a project in January and expect the budget to remain stable in July. There are always unexpected events which can drastically change the priorities of a company or an individual. Without flexible budgeting, money allocated for one purpose could not be reallocated during a fiscal emergency. An unexpected drop in sales revenue in March can affect the budgeting plans in November, so accountants and financial officers need to adjust their figures regularly. It is advisable to pay the debts on a regular basis.

Budgeting A Budgeting in a business sense is the planned allocation of available funds to each department within a company. Budgeting allows executives to control overspending in less productive areas and put more company assets into areas which generate significant income or good public relations. Budgeting is usually handled during meetings with accountants, financial experts and representatives from each department affected by the budgeting. B In a personal financing sense, budgeting can mean estimating monthly living expenses based on previous bills and wages. If your monthly income is a steady $3000, for example, you can subtract all of your known monthly bills from that figure even before they arrive. Some bills can be estimated and subtracted from the original income figure. The remaining balance after fixed expenses now becomes your household budget. Instead of assigning dollar amounts for sundries such as groceries, entertainment, gas and clothing, budgeting allows you to use percentages instead. C The key to successful budgeting is both flexibility and inflexibility. Certain expenses are fixed, so payment of those bills should be an inflexible element. Nothing is more important than paying those particular bills in full. In business, departments need to know the absolute ceiling on spending. Budgeting works best when very few exceptions are made to the upper limits. The idea of fiscal responsibility is to form a workable budget and stick to it as well as possible. D Budgeting also requires an element of flexibility. It isn’t always possible to assign a fixed dollar amount on a project in January and expect the budget to remain stable in July. There are always unexpected events which can drastically change the priorities of a company or an individual. Without flexible budgeting, money allocated for one purpose could not be reallocated during a fiscal emergency. An unexpected drop in sales revenue in March can affect the budgeting plans in November, so accountants and financial officers need to adjust their figures regularly. Budgeting can tell you if you live within your means:

Budgeting A Budgeting in a business sense is the planned allocation of available funds to each department within a company. Budgeting allows executives to control overspending in less productive areas and put more company assets into areas which generate significant income or good public relations. Budgeting is usually handled during meetings with accountants, financial experts and representatives from each department affected by the budgeting. B In a personal financing sense, budgeting can mean estimating monthly living expenses based on previous bills and wages. If your monthly income is a steady $3000, for example, you can subtract all of your known monthly bills from that figure even before they arrive. Some bills can be estimated and subtracted from the original income figure. The remaining balance after fixed expenses now becomes your household budget. Instead of assigning dollar amounts for sundries such as groceries, entertainment, gas and clothing, budgeting allows you to use percentages instead. C The key to successful budgeting is both flexibility and inflexibility. Certain expenses are fixed, so payment of those bills should be an inflexible element. Nothing is more important than paying those particular bills in full. In business, departments need to know the absolute ceiling on spending. Budgeting works best when very few exceptions are made to the upper limits. The idea of fiscal responsibility is to form a workable budget and stick to it as well as possible. D Budgeting also requires an element of flexibility. It isn’t always possible to assign a fixed dollar amount on a project in January and expect the budget to remain stable in July. There are always unexpected events which can drastically change the priorities of a company or an individual. Without flexible budgeting, money allocated for one purpose could not be reallocated during a fiscal emergency. An unexpected drop in sales revenue in March can affect the budgeting plans in November, so accountants and financial officers need to adjust their figures regularly. Budgeting makes the proportion among various expenses known.

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