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第1页共12页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共12页Chapter2Marketsegmentation1定义;MarketSegmentationisdefinedas:“Theprocessofdividingamarketintodistinctsubsetsofconsumerswithcommonneedsandselectingoneormoresegmentstotargetwithadistinctmarketingstrategy”.2Progressionofmarketsegmentation:massmarket,targetingkeymarketsegments,micromarketing.（填空）3Possiblegeographicsegmentationbases,5aspects:region,housingdensity,location,state,climate（选择）4Possibledemographicsegmentationbases,5aspects:Age,MaritalStatus,Occupation,Income,Education（选择）Definition2:Agecohortsarebornduringthesameperiodandtravelthroughlifetogether第2页共12页第1页共12页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共12页Chapter3Consumerneedsandmotivation1定义:Motivationisdefinedas:“Thedrivingforcewithinindividualsthatimpelsthemtoaction.Thisdrivingforceisproducedbyastateoftensionthatexistsastheresultofanunfulfilledneed”2定义CognitiveProcess:Apartofanattitudemodelthatrepresentstheknowledge,perceptionandbeliefsthataconsumerhaswithrespecttoanideaorobject3Twobroadtypesofneedsare:(哪种形式)-Innateorbiogenicneedsaretheprimaryneedsinordertosustainlife,suchasfoodorwaterandshelter-Acquiredorpsychogenicneedsaresecondaryneedswelearninresponsetoourculture,suchasprestige,affectionandlearningChapter11theinfluenceofcultureonconsumerbehavior1定义Cultureisdefinedas:“Thesumtotaloflearnedbeliefs,valuesandcustomsthatservetodirecttheconsumerbehaviorofmembersofaparticularsociety.”2定义Enculturation(文化兼并)thelearningofone’s第3页共12页第2页共12页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第3页共12页owncultureisknownasenculturation.3定义acculturation(文化渗入)thelearningofaneworforeigncultureisknownasacculturation.4定义Ritual(宗教仪式)AritualisatypeofsymbolicactivityconsistingofaseriesofstepsoccurringinafixedsequenceandrepeatedovertimeChapter1Introduction•1Broadaspectsoffinance3个:(选择)–Corporatefinance,financialinstitutionsandmarkets,Investments.2BusinessStructures:Soleproprietorship,Partnership,Company•3Nominalandrealrates:–Thecostofanassetexpressedasthenumberofdollarspaidtoacquiretheassetisthenominalprice.–However,thepurchasingpowerofmoneychangesbecauseofinflationanddeflation.–Therefore,itisnecessarytodistinguishbetweenthenominalorfacevalueofmoneyandtherealor第4页共12页第3页共12页Example3.7:Calculatetheeffectiveannualinterestratescorrespondingto12%p.a.,compounding:(a)Semi-annually22110.12111.0610.1236(12.36%)2mjim编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第4页共12页inflation-adjustedvalueofmoney.Chapter3theTimeValueofMoney:AnIntroductiontoFinancialMathematics1FundamentalConceptCashflows—fundamentaltofinance,thefundsthatflowbetweenpartieseithernoworinthefutureasaconsequenceofafinancialcontract.Cashinflowandcashoutflow2Theeffectiveinterestratecanbecalculatedas:年利率向别的利率转换公式(季利率,月利率,日利率)•(b)Quarterly=0.125509(12.55%)第5页共12页第4页共12页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第5页共12页(c)Monthly=0.126825(12.68%)(d)Daily=0.127475(12.7475%)3Therealinterestrate(i*)canbefoundasfollows:假利率向真利率转换此公式可用于任何形式的真假转换4定义Annuities(还贷)Anannuityisastreamofequalcashflows(主要是cashoutflow),equallyspacedintime.Weconsiderfourtype...