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. Second, in the first half of this year, the bank's personal demand deposits and currency in circulation fell by more than 3 trillion yuan, and by the second half of this year, domestic bank deposit growth fell below 10%. In response to the year-end big test, the deposit rate has been raised accordingly. Some state-owned Banks have a one-year deposit rate of 1.75%, which is about 16.7% above the benchmark interest rate. Some state-owned Banks perform 1.5 percent of the benchmark interest rate. That being said, among the collateral damage was the 'retirement dream' of the hopeful baby boomers. The government could not afford to keep their promises of the these folks were supposedly entitled for. So that some of them were postponing their retirement plans and even contemplating of returning to the mainstream in the workforce. But job competition is very stiff considering the massive laid-off as a result from the meltdown thus, the potential retiree were left disillusioned and confused.