She added that those who plan to pay out of five-year notes would be better off waiting for the New Year. According to this model, the interest rate decision depends on the supply of savings and investment needs, money supply, money demand, four factors, cause a change in the saving investment, money supply and demand factors will affect the level of interest rates. This theory is characterized by general equilibrium analysis. The division of labor is becoming more and more elaborate, the process is more and more complicated, and the coordination is more strict. To put these complex organisms organized scientifically, make each link and department activities can join each other in time, space and Numbers, both around the overall objectives, and acted, coordinate each other, there must be a strict plan. The organization, coordination, control and so on in management, if there is no plan, is as unthinkable as the automobile assembly plant without the design of the process.