天天日天天天天插小米追击、三星围剿、华为堵截 传音控股能杀出重围?

發布時間︰

  “就微臣與雲瑯交往的過程來看,他就是一個普通的少年人,無非聰慧一些,無非是來歷詭異一些,刀劍砍在身上會流血,砍在要命處也會嗚呼哀哉。他不是匈奴人,也不是山越人,他洗澡的樣子微臣也見識過,與我大漢少年的模樣別無二致。他的樣子長得像我漢人,聲音听起來也像我漢人,衣冠禮儀無差,因此,微臣以為,他就是我漢家的一個少年郎,見到錢財會歡喜,見到美貌的女子也會動情。陛下有所不知,此子與卓氏女春風一度之後,卓氏女居然珠胎暗結,于去年在成都誕下一個女嬰。哈哈哈,這就是微臣對雲瑯越發親近的原因。”   就像後世的人在自家的院子突然發現了一個油井……天天日   司馬談大笑一聲,脖子雖然被卡在木枷里,人卻顯得極為豪邁,用手拍著木枷道︰“史書一道,說理,說人,說天下,秉筆直書,人杰有瑕疵必說,梟雄有善意必錄。一部史書,善者因之,其次利導之,其次教誨之,其次整齊之,最下者與之爭也。我司馬氏為史官已經三代矣,猶如站在高坡看江河東流,立于九天觀世間風雲,不與人爭高官厚祿,不與人奪天下資財,守一方瓦硯,執一枝瘦筆,自能附白驥尾翼,而後流芳百世,小子何其愚也。”天天   侏儒听了雲瑯的喝罵,居然不以為忤,反而張嘴甜甜的喊了雲瑯一聲耶耶,听得雲瑯寒毛直豎,恨不得一把掐死這個王八蛋。   “你家冬日里暖和,就去你家過冬。”天天插   見霍去病三人跪在那里,劉徹就邁步來到霍去病的身邊,瞅了一眼他纏著厚厚麻布的右肩,取過那面金龍旗道︰“脊杖三十!”

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.

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