狠狠啪狠狠日狠狠社人民日报:兼顾人工智能应用和隐私保护

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  春風樓原本是蜀中人的產業,是無數蜀中商人聯合出資修建起來的,很長時間以來春風樓的實際所有者都是黃氏。   雲瑯曹襄起身還禮,雲瑯接過木盤,陰郁著臉道︰“光知道阿寧跟家里鬧得不愉快,沒想到你會被作踐到這個地步。”狠狠啪   護衛雲瑯的劉二毫無動作,反而將車簾子遮蓋的嚴實一些。狠狠日   雲瑯冷笑道︰“沒有可能,一百六十余人進了長安城,估計已經開始有人在查他們的底細,一旦發現他們全部來自山門,官府就會上門征兆,到時候,這一百六十余人一定會被打亂送去軍中,此生沒有脫離的希望。”   雲瑯听宋喬這樣說,不由得笑了,指指曹襄家所在的方向道︰“全大漢最大的紈褲就在曹家,我想,只要甦煥見到曹襄,納頭就拜應該不算難事。雲氏雖然算不得豪門,養幾個紈褲還算不得什麼難事。”狠狠社   曹襄見雲瑯難以置信,就苦笑著道︰“我派人去給他示警,他以為我也窺伺那三人的錢財,還很大方的給我送來了一箱子金子,到了這個地步,我只好乖乖的閉嘴,再說話,人家會以為我對那一箱子金子不滿意。你也不要問了,問了之後,你會得到一箱子金子,然後就會惡心好幾年!”

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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