我们不再支持这个浏览器. Using a supported browser will provide a better experience.
请 更新浏览器.
2020年5月
5月13日, 2020, the 12bet官方 研究所 held a virtual panel discussion on the economic impacts of 新型冠状病毒肺炎 on U.S. 小型企业. 的 数据的对话 convened experts from the National Federation of Independent Business (NFIB), 哈佛商学院, and Accion to discuss how 小型企业 are faring in the current environment, 不断变化的政策反应, and what can be done to promote and accelerate small business recovery.
Diana Farrell, President and CEO of the JPMC 研究所, opened the conversation by sharing 来自研究所研究的见解, including that most businesses have irregular cash flows and limited cash liquidity, which are critical predictors of small business survival. Fifty percent of 小型企业 pre-COVID were operating with fewer than 15 cash buffer days – the number of days of typical outflows a business could pay out of its cash balance in the event of a disruption to inflows. 克里斯小麦, Director of Business 研究 at the JPMC 研究所, moderated the panel discussion and raised questions regarding short and long-term small business assistance, programs and policies that would be most helpful to 小型企业, and equitable recovery and opportunities for targeting relief, 包括少数族裔拥有的小企业.
冬青韦德
NFIB研究与政策分析主任
冬青韦德, Director of 研究 and Policy Analysis at NFIB, 讨论了组织的结果 小企业经济趋势数据. 的 most recent survey showed optimism fell to one of the lowest levels in years, 接近大衰退时期的数字, and sales expectations for the next three months hit a historic survey low. 相比之下，在a 2019年由该研究所主办的小组讨论, Wade highlighted 2018 as the highest average optimism year in the history of the survey and noted that optimism in 2019 remained above the survey’s historical average. 在NFIB成员中, current concerns include making sure they are equipped to operate in compliance with state and local regulations, finding ways to connect with new customers while maintaining existing relationships, and communicating effectively with their employees. 在政策解决方案方面, Wade proposed increasing the flexibility around the use of Paycheck Protection Program (PPP) loan dollars for 小型企业 to best meet their unique operational needs.
凯伦·米尔斯, Senior Fellow at 哈佛商学院 and former Administrator of the U.S. 小型企业 Administration noted how JPMC 研究所 research has shown very low cash buffers among 小型企业. Mills highlighted how the one million 小型企业 in America’s supply chain have fared differently than mainstream customer-facing establishments and that ensuring these businesses are paid on time is important. 另外, 小型企业 previously hesitant about technological changes are giving more thought to long-term investments and also reflecting on business inefficiencies. Mills noted that these learnings may promote opportunities for some acceleration in small business recovery. Regarding the heterogeneity among 小型企业, she highlighted the importance of understanding each segment of the sector in order to pinpoint problems and craft more effective policies.
凯伦·米尔斯
哈佛商学院高级研究员
布拉德•麦康奈尔
Accion服务伊利诺伊州的首席执行官 & 印第安纳州
布拉德•麦康奈尔, Accion服务伊利诺伊州和印第安纳州的首席执行官, highlighted how the organization is currently addressing the needs of thousands of 小型企业 through grants and loans. He noted the average small business served by Accion has three to four employees, so the focus of relief has been sized based on revenue as opposed to payroll, and that disaggregating the multiple problems facing 小型企业 right now helps the organization develop better solutions. McConnell added that the overwhelming majority of small business owners must operate with a “crisis mentality” right now, focused less on longer-term investments and more on survival by finding ways to increase revenue, 减少开支, 有效管理现金. He advocated for sizing the delivery of more capital to business owners based on revenue, and for helping to cover the costs of occupancy since that is often one of the largest contractual expenses for small business who are struggling.
We thank all of the presenters and attendees who participated in the 研究所’s 数据的对话 活动，并期待继续接触.
Viewpoints of our panelists are their own and not representative of their organizations.
This event is part of the 研究所’s “数据的对话” engagements, an ongoing series of conversations with leading experts, 政策制定者, business and nonprofit leaders linking research with important policy topics of the day.