2018欧美狠狠色色和尚大香蕉全球央行普遍降息、资金面宽松背景下 A股市场活水来

發布時間︰

  雲家的糧食用處很多,野人們在山里抓一只鹿,就會來雲家換糧食,野人在山里挖到了一棵別致的植物也會拿來跟雲家換糧食,野人在山里弄到了一塊煤石,也會來雲家換糧食,有的時候,野人里面有漂亮的小姑娘,也會被他們的爹娘牽來換糧食……   站在門外的雲瑯還沒有進門,就感受到了長平散發出來的屬于皇家的霸氣,她的語聲清冷,帶著一股子淡淡的金屬之音,這一刻沒人懷疑長平能否做到她剛才說過的話。2018欧美狠狠色   “胡亂試試,已經丟了五六百個臭蛋了……”色和尚   董君手里的弓是軟弓,這樣的弓箭只適合來獵殺兔子,但是,董君的箭法卻準的驚人。   “不是的,將軍跟我的意見一致,寧願你在這里吃空餉,也比讓你去軍營帶壞別人好得多。你僅僅的軍營外面趴著睡了一晚上,就已經把咸魚的大名傳遍了軍營,最要命的是你還用最短的時間升遷到了軍司馬的位置。再讓你進了軍營,天知道那些為了立功升官光宗耀祖的兄弟們,會干出什麼事情來。靠一張嘴巴就能升遷到軍司馬這個位置上的,你是第一個。”大香蕉   “那會累死我的。”

As with the government shutdown before it, the costs of tariffs for Chinese imports on small businesses do not end when politicians say they do

20Jun

As the trade war between the US and China continues and billions of dollars in tariffs continue to weigh down the supply chains of America's small businesses, we may be reminded of another recent political decision that ended up hurting American businesses and workers most of all.

The cost of the shutdown

In the weeks following the end of the longest-ever federal government shutdown earlier this year, there was much talk of the cumulative effect that the shutdown had on the economy a permanent loss of $3bn, according to a Congressional Budget Office estimate.

While the losses that private sector businesses experienced during the shutdown were real and painful for millions of Americans, the CBO's analysis did not incorporate indirect effects, such as the lack of access to government-backed loans specifically, small business administration (SBA) loans.

SBA loans are considered the gold standard of small business loans. They are not funded by government money but dispersed by trusted partners and backed by a federal guarantee. SBA loans are important tools for small business owners who qualify: It is rare to find traditional loans with interest rates and repayment terms that beat SBA loans.

During the shutdown, the processing of SBA loan applications was forced to an indefinite stop. As days dragged into weeks, reality set in for small businesses: If you want to make investments in your business an expansion or renovation, new hires, refinancing you may not be able to wait.

Many did not. According to data sourced by Fundera, 11% of businesses that were ready to receive SBA loans these were businesses that passed FICO small business scoring service (SBSS) and would fund tomorrow if they could instead opted to get financing from a different source than the SBA during the shutdown. In all, 50% of businesses who started an SBA application with Fundera went on to submit loan applications for other products during this time period.

This is no small thing. Some business owners decided to move ahead without receiving the best funding possible. As a result, they may end up paying out more in interest rates and other fees, over a shorter repayment period.

The long-term impacts

In all, a wealth of opportunities may have been wasted, squandered or otherwise gone unrealized as contractors moved on, deals dried up and decisions were made to move ahead while small businesses missed out on more than $2bn in halted funding from the SBA.

Couple these lost opportunities to acquire affordable funds with the lost revenue from decreased demand during December and Januaryand many small businesses may now be mired in uncertainty rather than prosperity.That is because a business that qualifies for an SBA loan can stretch their debt and shrink their monthly payments. This frees up cash flow that they can put into their pockets, reinvest into their business, pay down additional debt, expand, grow, hire and ultimately have a better chance of success.

The SBA has reportedly been working hard on processing loan applications since the government reopened. But just as government contractors will not receive back pay, America's small businesses will be unable to return their less-optimal funding for SBA loans.

The cost of Chinese tariffs

A similar sort of uncertainty is playing out today thanks to tariffs on billions of dollars' worth of Chinese goods with the potential for even more tariffs in the weeks to come, covering every sort of Chinese import. According to a poll of 1,700 small business owners, 43% of businesses said that their costs are increasing as a result of the additional 15% duty tax they may need to pay on imports. Businesses which for years cultivated trusted Chinese manufacturers will now have to pay untenable prices for their wares or seek less experienced and poorer quality suppliers in countries like Indonesia and Vietnam.

Will these tariffs last through next month? Will they last through the end of this presidential term? Will they go another four years? Business owners can take out loans or find workarounds to mitigate the hits to their bottom lines, but at the end of the day, they will still pay a ton in tariffs, in lost business, in poorer quality that can kill their business over the course of a few short months.

Most politicians agree that small businesses are the engine of America's economy, as they make up 99.7% of US employer firms but long-term government shutdowns and supply chain price hikes stall that engine and force many of its components to halt entirely.

How a chart of accounts should be designed for hybrid erp small

Read next:

How your chart of accounts should be designed for hybrid ERP software

i