28岁的张唯（化名）是一位外企客户经理，不过工作中温文尔雅的他却更希望别人这么称呼自己：那是个疯子般的贝斯手！而如今，一个不小的资金缺口正挡在他开琴行的道路上。

28-year-old zhang only(alias)Is a foreign enterprise customer manager,But work gentle but he more hope others so called:It was a mad of beth hand!And now,A lot of financing gap right out of the open shop on the way.

　　“听他们的歌真是太过瘾了！”聊到Oasis（绿洲乐队，英国曼彻斯特的一个演唱组合），张唯眼中喷出了兴奋的光，“而且我也是曼联球迷。”

"Listening to their songs it feels good!"Chat to Oasis(oasis,Manchester, England's a combination of singing),Zhang only in the light of the excitement out,"And I was a Manchester united fans."

　　资深乐手 职场新锐 Senior musicians new workplace

　　“我们几个大一就认识，后来兴趣相投，就组了个乐队。”张唯说，“然后大二就把首演演砸了。”张唯的乐队成立至今已有7年历史，在圈内也算小有名气，经常能收到各类演出的邀请函。“我奶奶练个七年也能有这水平。”张唯腼腆地说。

"A few of us know as a freshman,Later the interests,Is group a band."Zhang only said,"Then the first sophomore using smashed."Zhang only band since its establishment for seven years,In the circle also calculate a little famous,Can often received the invitation of each kind of performance."My grandma practice a seven years can also have this level."Zhang only said sheepishly.

　　毕业后，张唯及其他几位乐队成员都在上海工作。由于口才好气质佳以及不错的人脉，张唯很快从一位窗口咨询员升职为客户经理。“口才好？不，我只是在见客人之前先打两个小时腹稿罢了。”张唯摇着手说说，“你看我一场演出才说一句‘大家好’。”

After graduation,Zhang only and other several band members work in Shanghai.Due to the eloquence good temperament beautiful and good contacts,Zhang and quickly from a window consultant promotion for customer manager."Eloquence good?Don't,I just see the guests before making two hours the mental note it."Zhang only shake to say,"You see I a performance didn't say a word‘hello everybody’."

　　买下二手琴行 筹措年底运营 Buy secondhand shop operation to raise the end of the year

　　“大概从北京奥运会的时候起，我们就在对面那家琴行排练，有时也问他借演出设备。可是今年刘老板突然洗手不干了。”张唯告诉记者，琴行老板姓刘，明年即将移民美国。张唯和朋友们曾考虑过买下刘老板店内的整套设备，无奈这些设备损耗较为严重，刘老板愣是不肯宰他们一刀，而是以更低的价格卖给了另一位并不太熟悉的买家。

"Probably from the Beijing Olympic Games since then,We in the opposite the music rehearsal,Sometimes also asked him to lend performance equipment.But this year, liu's owner suddenly wash one's hands of the."Zhang only told reporters,Music, liu boss,The immigration to the United States next year.Zhang only and friends have considered the store to buy liu's owner of a complete set of equipment,But these equipment loss serious,Liu's owner leng would not kill them a sword,But with lower price sold to another is not too familiar with the buyers.

　　刘老板的离去使得几位乐手像离巢的鸟儿，难免有几分失落，然而不同于学生时代的稚嫩，如今的他们已经能再造一方属于自己的天地。“后来刘老板又找了他另一位开琴行的朋友，同意将一家小琴行以8万元的优惠价转手给我们。”

Liu's owner go make several musicians like nidifugous birds,There is bound to be somewhat lost,However different the student age is puerile,Now they can already reengineering party belongs to own heaven and earth."Later, liu's owner and find him another friend to open shop,Agree to a small shop with 80000 yuan prices from hand to hand to us."

　　如今，张唯几个好朋友成了这家小琴行的拥有人（以张唯为主），但张唯必须承担着每月15000元的店铺租赁费。“而且，琴行转让金虽然只收了8万元，但各种费用加起来包括初期的购置设备等等，启动资金前后至少要花上个三五十万元，好在是五个朋友一起分担初始费用，压力就轻很多了！”张唯告诉记者，好在琴行有着相当一部分忠实的老顾客，因此他们并不担心失去客源。“下个月店面还要装修一番，预计年底前就能开业了。”

now,Zhang and a few good friends became the XiaoQin done owner(Only by zhang mainly),But zhang and must bear the $15000 a month in store rental fee."and,ZhuanRangJin music, although only accept 80000 yuan,But various expenses added up to include the initial purchase of equipment and so on,Before and after the start-up capital at least take a 350 ten thousand yuan,That is five friends share the initial cost,The pressure is much light!"Zhang only told reporters,That shop has a part of the faithful old customers,So they were not worried about the loss of passengers."Next month will decorate a store,Before the end of the year is expected to can be opened for business."

　　张唯现在每月基本工资12000元，而乐队的演出费用每月能为他带来3000元的额外收入。但在琴行开始盈利之前，张唯账面上可能将处于“入不敷出”的尴尬境地。

Zhang only basic monthly salary now 12000 yuan,And the band's performance fee monthly could bring him 3000 yuan of the extra income.But in the shop before start making profit,A book may be only in"Cannot make ends meet"Awkward situation.

　　“我们只希望琴行每月能盈利，至少不用我们另外贴钱就好。”张唯说。

"We only hope that music can profit per month,At least we have no need to another TieQian is good."Zhang only said.

　　如何确保琴行运作资金 How to ensure that shop operation funds

　　“已经有好几个客户打算给我介绍对象了。”张唯有些不好意思，“不过这也真是个令人头疼的问题。”

"Has had several customer going to introduce me to the object."Zhang and a little embarrassed,"But this also is really a headache problem."

　　张唯在同事看来是公司的门面，在亲戚看来是激励自家儿子的模范，在朋友们眼中更是不折不扣的“高帅富”。然而就是这样一个“完美偶像”，却也为恋爱问题困扰许久。“单身一方面是没有碰上合适的人，另一方面也担心恋爱的开支会影响到乐队的正常运作。”

Zhang only in colleagues seems to be the company's appearance,In the relative seems to be his son's incentive model,In the eyes of friends is real"GaoShuai rich".However is such a"Perfect idol",But also for love problems for a long time."Single hand is not meet the right person,On the other hand also worry that the love spending will affect the normal operation of the band."

　　张唯此话不假，在家庭收支表中，我们可以发现张唯平日开销除去必要的生活费和房租以外并无多大支出，多余的钱大都砸在了音乐上。“以前排练的费用都要自己负担，一个月下来也要个千把块。如果再要买一把新的琴，或者效果器什么的，就又是一笔大的开销了。”

Zhang and that is quite true,In the family income and expenditure in the table,We can find a daily spending only remove the necessary living expenses and other than the rent and without much spending,The rest of the money up most of the music on."The rehearsal before charges of their burden,A month comes down to also want to a one thousand block.If you want to buy a new piano,Or effector of what,It is a large expenses."

　　“总之一切都寄希望于我们的琴行了！”张唯笑着说。当然这只是一句玩笑话，几位高学历的乐手自然也做好了应对琴行发生亏损的万全之策，从拓展业务到寻找投资，甚至短期套利取得应急资金的方案都已在完善之中。“唯一不放心的是这套设备，它要出个三长两短，我们可就惨了。”张唯说，自己对保险并不十分熟悉，希望借此机会向理财师讨教关于财产险的问题。

"In a word all hope that our music stores the!"Zhang only smiled and said.Of course this is just a joke,Several highly educated players nature also ready to cope with losses music of one size fits all,From the development business to looking for investment,Even short-term arbitrage obtain emergency fund projects are already in perfecting in."The only not trust is the equipment,It will make an unexpected misfortune happened,We can miserably."Zhang only said,To insurance is not very familiar with,Hope to take this opportunity to finance division advice about the problem of property.

　　当然，资金依旧是张唯最关注的问题，如何理财以确保琴行获得充足的运作资金，而又不至于影响正常的生活，还请理财师为其指点迷津。

Of course,Money is still a only the most attention,How to finance to ensure adequate music, the operation funds,And will not affect the normal life,Also please finance division for their advice.

　　每月性收支状况（单位／元） Monthly sex of payments(Units/yuan)

　　收入（税后） 支出

income(after-tax) spending

　　本人月收入 12000 房租（琴行） 15000

I rent monthly income of 12000(shop) 15000

　　其它收入（演出） 5000 基本生活开销 3000

Other income(performance) 5000 basic living expenses 3000

　　购物娱乐等 1000

Shopping entertainment, 1000

　　合计 18000 合计 19000

Total 18000 total 19000

　　每月结余 -1000

Monthly balance - 1000

　　年度性收支状况 单位／万元

NianDuXing payments unit/ten thousand yuan

　　收入 支出

Revenue expenditure

　　年终奖金 3 旅行费用 1.5

Year-end bonus 3 travelling expenses 1.5

　　其他收入 0 年末购物+孝敬父母 1

Other income 0 the end of the year shopping + is filial piety the parents 1

　　人情往来 0.5

Human intercourse 0.5

　　人身保险费 0

Personal insurance premium 0

　　其它 0

Other 0

　　合计 3 合计 3

Aggregate 3 aggregate 3

　　年度结余 0

Annual balance 0

　　家庭资产负债状况 单位／万元

Family balance sheets unit/ten thousand yuan

　　家庭资产 家庭负债

Household debt family assets

　　活期及现金 5 房屋贷款 0

Current and cash 5 housing loans zero

　　定期存款 0 其他贷款 0

Deposit 0 other loan 0

　　国债 0 信用卡未还款 1

National debt 0 credit card not reimbursement 1

　　股票（市值） 20

stock(Market value) 20

　　基金（市值） 10

fund(Market value) 10

　　自住房（市值） 0

Since the housing(Market value) 0

　　黄金及收藏品 0

Gold and collection 0

　　固定资产（琴行） 8

Fixed assets(shop) 8

　　合计 43 合计 1

Total 43 aggregate 1

　　家庭资产净值 42

The family net asset value 42

　　“两条脚”走路 圆琴行之梦 "Two feet"Walk round the dream of music

　　文 本刊金融工作室 国家理财规划师 LOMA寿险管理师(FLMI)

Article the state financial studio financial planner LOMA life insurance management division(FLMI)

　　张唯其实挺幸运的，在这个越来越缺乏激情和梦想的社会，他拥有着疯狂而坚定的音乐理想。更难能可贵的是，在一些年轻人以“梦想”为挡箭牌不愿走入社会工作需要“啃老”的时候，他却脚踏实地，工作努力且上进。

Zhang is actually pretty lucky,In this more and more the lack of passion and dream of society,He had a crazy and firm music ideal.More valuable is,In some young man"dream"For shield is not willing to walk into social work need"Nibble at old"when,He has his feet on the ground,Hard working and progress.

　　合理筹划 力争琴行稳定盈利 Reasonable planning strive to music, stable earnings

　　张唯近期和朋友合伙揽下琴行，而且主要是他来承担租金等开支，可见张唯魄力不小。但应注意，开琴行与他们进行演出的性质完全不一样，演出基本只需要人力，设备也是短期租赁的，但开琴行却是一门生意，更需要持续、有规划地去经营。

Zhang only recently and friends under the partnership their music,And he is mainly to undertake rent and spending,Visible zhang only force not small.But they should pay attention to,Open shop with the nature of the performance completely different,Performance basic need only human,Equipment is short term lease,But open shop is a business,More need to continue/A planning to business.

　　时下，爱好音乐的人和想要会简单弹唱的年轻人越来越多，于是，吉他、贝斯等既时尚流行、价格又比较经济的乐器也越来越受到青睐。开琴行，成为一项特别有艺术氛围的创业形式，如果操作得当，既能赚钱，又能满足张唯和朋友们对音乐的渴望。

nowadays,Hobby music and want to will sing simple young people more and more,so,guitar/Beth, etc is fashionable and popular/Price and comparative economic instruments also more and more be favorred.Open shop,Become a special artistic atmosphere of the venture form,If proper operation,Can make money,And can satisfy the zhang only friends and music to desire.

　　装修方面，琴行并不是一个充满买卖气味的地方，而是一个有音乐氛围的天地，所以建议突出琴行的装潢特色非常重要，可以尝试一些风格夸张的装潢方式。

Decorating a respect,Music is not a full of buying and selling smell of the place,But a music atmosphere of the heaven and earth,So proposal outstanding shop decoration features is very important,Can try some style exaggerated decoration mode.

　　装修之后，正式开业之后，第一目标是实现盈亏平衡，然后再去追求盈利。我们帮张唯测算了一下，在聘用一个正式员工，货物进价为售价的1/3左右等条件下，每月销售额达到32761元，才能实现盈亏平衡。具体可见附表。

After decorating,After officially opened,The first goal is to realize the profit and loss balance,Then go to the pursuit of profit.We help zhang only a measure,In the employ a formal staff,Goods purchase price, price for about a third of conditions,Monthly sales reached 32761 yuan,To realize the profit and loss balance.Schedule specific visible.

　　虽然有一些老客户，但是小琴行尤其是张唯他们以打击乐器为主的琴行，想要实现三四万元一个月的销售额，并非易事。为此，我们建议张唯他们多动脑筋，在琴行启动的初期，多通过一些沙龙、讲座等形式，来招揽更多的顾客，琴行的顾客基本上都是音乐爱好者，其中多数都是“半道出家”开始玩上乐器的人，所以有音乐交流气氛的琴行，人气会更加旺盛。做琴行一定要给人一种 “家”的感觉，让爱好音乐的年轻人不仅是来买乐器，更可以把这里当作可以玩音乐的地方。只有这样，琴行的名气才会更响，客源也会越来越多，以便实现更多的销售业绩。

Although there are some old customers,But the little shop especially zhang only them with percussion music, mainly,Want to realize three or four ten thousand yuan a month of sales,Is not easy.therefore,We suggest that zhang and they think more,Music in the early stages of the start,Many through some salon/Lectures and other forms,To attract more customers,Shop customer basically are music lovers,Most of them are"Monks got"Started to play Musical Instruments on the people,So there's music communication atmosphere of music stores,Popularity will be more exuberant.Do shop must give a person a kind of "home"feeling,Let love music of young people is not only to buy instruments,More can put here as can play music place.Only in this way,Shop fame will be more ring,Tourists will more and more,In order to realize more sales performance.

　　此外，也可以通过乐器租赁的形式提高琴行的营业额。也可以应顾客特别要求提供一些CD、VCD录制编辑、乐队小样录制、音乐剪辑合成等服务。

In addition,Can also through the instrument rental forms to enhance the turnover of music.Can also should customer special requirement to provide some CD/VCD record editing/Band recording small kind/Music clips synthesis service.

　　虽然开琴行的手续非常简单，只需要带上照片、身份证等去工商局和税务局登记即可。但如果要做音乐培训，手续上就比较麻烦了，而且税收监管等也相对严格，而且无论是人力资源还是设备、场地等方面，都比较麻烦，也需要更大的精力和财力。为此，建议张唯等琴行业务比较稳定了以后，再考虑后续的业务转型问题。

Although open shop procedure is very simple,Only need to take photos/Id card, etc to industrial and commercial bureau and tax official register then.But if you want to do music training,The procedure you will be in trouble,And taxation supervision and so on also relatively strict,And whether human resources or equipment/Site, etc,Are more trouble,Also need more energy and money.therefore,Suggest a only music, such as business after the relatively stable,Consider the subsequent business transformation.

　　附表：张唯的琴行平均每月盈亏平衡模拟计算表（单位：元） schedule:Zhang only music, the average monthly profit and loss balance simulation calculation sheet(unit:yuan)

　　项目 金额 备注

Project amount note

　　营业额 32761

Annual turnover of 32761

　　--

--

　　成本 10811

Cost 10811

　　乐器进价按33％的售价计算

Instruments according to 33% of the purchase price, the price calculation

　　毛利 21950 --

Gross profit 21950 --

　　（减）店铺租金 15000 含水电煤等费用

(minus)Shop rent 15000 water electric coal and other fees

　　（减）固定资产折旧 3000 按两年时间摊销

(minus)Depreciation of fixed assets by two years amortization

　　（减）人员工资及保险费 3800 1名专职员工，业务时间张唯和朋友过来照看，不支付酬劳

(minus)Personnel salary and insurance 3800 1 full-time employees,Business time zhang only and friends come over to look after,Don't pay

　　（减）税收等其他费用 150 属于不属于完全性的经营店面，可以算个体户，可享受固定税收的优惠待遇，大约150元/月

(minus)Tax and other costs are 150 belongs to do not belong to the completeness of business store,Can calculate the soho,Fixed tax can enjoy preferential treatment,About 150 yuan/month

　　净利润 0

Net profit 0

　　加倍努力 工作争取晋升 Work doubly hard fight for promotion

　　虽然音乐才是张唯的真正梦想，但年轻人经济上并没有多少基础，想要在音乐的道路上越走越远，其实也需要经济上更稳定。

Although music is only a real dream,But the young man economic and don't have much foundation,Want to be in music on the road more walk more far,In fact also need more financially stable.

　　为此，张唯一定要牢记，虽然现在琴行也筹办得差不多了，但是本职工作还是要更上一层楼。比如，采访中张唯提到，他的上司多次督促他阅读学习一些管理方面的书籍和报刊。张唯说，上司的这一举动，似乎预示着他升职在即。

therefore,Zhang only must keep firmly in mind,Although music, now also organise get about,But their work or to further upward.For example,Interview zhang only mentioned,His boss multiple urged him to read to learn some management books and newspapers.Zhang only said,The boss of the move,He seems to indicate a promotion soon.

　　职位若有升迁，首先可能收入上也会更高些，在琴行还不确定是否能盈利，前期投入又比较多的情况下，张唯还是要努力做好自己客户经理的工作。将来若琴行经营顺利，又能有实力转到音乐培训的道路上，才可考虑全心全意投入自己的音乐梦想。

Position if there is a promotion,May first income will also be higher,In the shop are still not certain whether profitable,Upfront input and more cases,Zhang and still have to try to do the work of customer manager.If in the future oversea business smoothly,And to have strength turn to music training on the road,Can only consider heart into his own music dream.

　　买些意外险防身 Buy some accident insurance self-defense

　　白天要努力工作，晚上要照看琴行，有时候还要参加演出，张唯的精神和身体压力其实不小。演出途中遭遇意外的风险也比“宅男”们高些。

The day to work hard,The evening want to look after music stores,Sometimes also to participate in the performance,Zhang and mental and physical pressure is not small.Performance on the risk of accidents than"igawa"High some of the.

　　为此，我们建议张唯在日常备好一份综合意外险，应包括意外身故、残疾保障，也要含有意外医疗保障（意外住院津贴、意外门急诊费用补偿等），以防万一。这样做是对父母负责，也是对合伙的朋友们负责。

therefore,We suggest that zhang only in day stock good a comprehensive insurance,Should include accidental death/Disability security,Also want to contain accident medical security(Accident hospitalized allowance/This accident compensation, etc),Just in case.You are right to do so is responsible for parents,Also is to the partnership friends is responsible for.

　　同时，建议张唯在日常生活中也要注意加强锻炼，保养身体。毕竟肩上担子不小。

At the same time,Suggest a only in daily life to also want to pay attention to strengthen exercise,Maintenance body.After all big shoulders the burden.