Kunzwa kweCongress kunopfuura zvikuru miitiro yose yemiitiro yemitemo muUnited States. Inomirira nzvimbo yokutanga umo vaiti vemitemo, nyanzvi dzezvomutemo, nyanzvi dzezvokudzorwa kwemibato, maindasitiri, uye vagari vemo vakatapurwa vanosangana kunzvera miitiro inokarakadzwa. Nokuda kwenzanga duku yebhizimisi (icho chinobatanidza 99,9 muzana yemabhizimisi ose eU.S. uye kushandisa inenge hafu yevashandi veboka remunhu oga (vateereri) vanogona kusarudza kana mutoro unodzorwa, chikwereti chinowedzerwa, kana kuti purogiramu yechikwereti chinodzorwa. Kunzwisisa kuti kudzorwa kwemitengo inoumba bhizimisi duku rebhizimisi reU. Mitengo inoto inokosha sei nokuda kwevatengidzi, vaongorori, varadzi vezvomugariro, uye munhu upi noupi anoitira hanya pamusoro peinjini yezvemari inonzi Mains Street Street.

Basa Nezvirongwa Zvekutongwa Kwemisangano Yechechi

Dare rinotonga misangano yapamutemo inoitiswa namatare kana kuti masangano maduku eImba yaVamiririri kana kuti Dare. Madonzo avo makuru anobatanidza kuunganidza mashoko, kutungamirira, uye kuvaka chinyorwa chinoruramisa chiito chomutemo chomunguva yemberi. Mumitemo yekamuri rimwe nerimwe, matare ane chiremera chikuru chezvapupu zviduku, zvinyorwa zvokukumbira, uye kumanikidza chipupuriro. Muitiro unodzo unodzorwa nomukuru wedare, uyo anogadza zvirongwa, anodana zvapupu, uye anotarisira nguva youriri.

Kunzwa kunowira mumapoka anoverengeka akasiana. . inorongwa zvikurukuru kuti irangarire mutemo kana kuti ndandanda yemabhiri. Zvapupu zvinobatanidza kazhinji kazhinji vakuru vakuru vehurumende, vamiriri vesangano rebhizimisi, uye varidzi vebhizimisi (chipupuriro chinobetsera mitezo yedare kunzwisisa rebetsero dzomutauro unokarakadzwa. [[FLT:]]] Kunzwa [ kuhwirudzura kuitwa kwemitemo iripo, zvakadai sokuti kana Shoma duku yebhizimisi (SBA) iri kugovera chikwereti chamanyuko. [FLT:] kunzwa kwemazasitorendiro [[FLT]

Nokuda kwomutemo muduku webhizimisi, matare ane simba zvikurusa anobatanidza Dare reDare reSmall Business neEntrepreneurship, Dare reIndare paSmall Business, uye matare anonyora mitero (8) Dare reMari reDare reMari reSayenzi neHouse neGray Komiti yeAmazi. Masangano iwaya anogara achirangarira zvakananga nhau dzevezvokutengeserana, kubva kukusvika kudzimbahwe kundyiko yokuteerera.

Kuoma Kwenzeve Kwakaita

Kunzwa kwakafanira kunovamba nokutaura kwokuzarura kunoitwa nomutezo wechigaro nemutezo wakakwirira, kunoratidzira donzo noukuru. Zvapupu ipapo zvinopa tsinhiro dzakagadzirirwa, dzinowanzoganhurirwa kumaminiti mashanu, zvichiteverwa nenhambo yemibvunzo nemhinduro umo mutezo mumwe nomumwe wedare une nguva yakaganhurirwa yokubvunza boka racho. Kupfuurira kwose kunonyorwa uye kuva rutivi rwechinyorwa chavose, kuchigovera chiwirirano chinokosha chamapoka evafundisi, vatori venhau, uye vanzveri.

Zvapupu zvinosarudzwa nokungwarira. Vari vebato roruzhinji vanowanzokoka nyanzvi navachengeti vemiitiro vanowirirana nevavariro dzaro, nepo boka duku ringaunza mirangariro inopesana. Iri simba rinogona kutungamirira kukurukurirano yakasimba, asi kunorevawo kuti vanasaimba vaduku vane ruzivo rwokuzviwanira rwezvimene pane dzimwe nguva vanofukidzwa navadaviri vezvounyanzvi kana kuti vanodzidza. Kunyanguvezvo, chinyorwa chokunzwa chinowanzobatanidza kutaura kwakanyorwa kunopiwa namapoka anofarira, kuvimbisa kuti mapoka akafara amanzwi anobatwa.

Kuumba Kunoita Kunzwa Muitiro Webhizimisi Duku

Kubatana pakati pekutonga nomutemo wokupedzisira hakuwanzova kwakananga kana kuti kwapakarepo. Zvisinei, kunzwa kunoshanda sechinhu chinoparira zvinetso, kuparira simba rezvamatongerwe enyika, uye kugovera hwaro hwechokwadi nokuda kwomutauro wemitemo. Apo muridzi muduku webhizimisi anopupurira pamusoro pechinetso chokuwana chikwereti pasinei zvapo nechikwereti chakasimba, nhau iyoyo inogona kuva rondedzero ine simba iyo vaiti vemitemo vanotakura mupurogiramu dzokutara napauriri hwepasi.

Kuchinja Mutero: Kuderedza Mutoro Mumugwagwa Mukuru

Mumwe wemienzaniso yakadudzwa zvikurusa yemitero miduku yebhizimisi yakavapo mukati mekurukurirano pamusoro peTsima reMutero neJobs Act ya2017. Kunzwa kwakawanda pamberi peHouse Ways neFract Committee yakabudisa chipupuriro chakabva kuna vananinzvi veproprofitoritopotors uye maSporation airondedzera kuti mwero yemitengo yakakwirira yakavasiya sei nenhau duku nokuda kwokudzorerwazve kwechikamu chiduku chebasa. Mutemo unoguma waita kuti 20 muzana yemari yakakwaniswa nokuda kwemari yebhizimisi pasi peChikamu 199A(a gadziriro yaiumbwa zvakananga nenhau uye mazita zvakapiwa mumishumo iyoyo. [FLT:]] Dare remari raidzo dzakavaradzisonerwa nokuda kwokuwedzera kuiswazve. [FLT.[FLT]]

Kusvika Kudzimbahwe: Kubva Pauchapupu Kuenda Kugadziriro Itsva Dzengoro

Muma 2000 na2010, kutonga kwakadzokororwa pamberi peHouse Small Business Committee kwakasimbisa mikana mubhengi regamuchidzanwa kumabasa mashoma neavomumaruwa. Zvapupu zvinobva kumasangano ebudiriro yenzanga yemari (CDFIS) zvakapupurira nezvokudikanwa kwechikwerete chechikwereti chakapfava, chakaderera zvikuru icho chaigona kusvika kuva vakwereti vanobhadharwa. Iyi chikwereti chakaiswa purofiti yeSBA’s Convice Community Pulot program, iyo yakakudzwa kuva rutivi rwechigarire rwechirongwa chemari 7(a). Nguva pfupi yapfuura, SBA’s chikwereti chinopiwa chikweretiro che 7 (a) chinovimbisa kuti chikwereteso chemari chipfumba chipfumba chipfuure kuti chive chipfuure kudzo kudzoka kudzoka kupfurikidza nokuwana kupfurikidza kwemitedzero yebhangi.

Kusunungurwa Pamirayiridzo: Kucheka Tape Dzvuku Nokutarisira

Kunzwa kwave kuchibatsirawo kuziva mitemo inorema zvikuru. Muna 2011, Dare reImba paPurescent and Government rakaita nhevedzano yokuteerera pamutengo unowedzerwa wemitemo yehurumende yemabhizimisi maduku. Uchapupu hunobva kuNational Federation of Independent Business (NFIB) hwakasimbisa kuzviisa pasi kwemabhizimisi painenge $12 000 pamutengo wemafemu maduku. $82 000 pamitengo yedare duku. Uhwu ufakazi hwakabatsira zvakananga kufambiswa kweRegatoritial Flexiation Reativection Relective Reficiation Reformations Act Act, izvo zvakasimbisa zvinodiwa kuti makambani afunge nezvebhizimisi matsva asati aita mitemo mitsva. Nenzira yakafanana, kunzwa nezvetako yeAfford Carence Act yakatungamirira mushandirwi webasa kuti aite basa reArence Act ashatood proced tract.

Kupindura Kworutsuta: Nhau dzePPP neEIDL

Hapana muenzaniso wemisi ichangobva kupfuura iyi unoratidzira simba rokunzwa kupfuura kugadzirwa nokugadziridzwa kwePaycheck Program (PP). Mukati memavhiki eCovhover-19 okuvharwa kwemazai muna March 2020, Dare reDare reBaka reBazi duku rakava nokunzwa kwokukurumidzira uko vanamuzvinanyikidzani veresitorendi, vashambadzi vezvokushanya vakarondedzera kuvakwa kwava pedyo. Kukurumidzira kwavo kwakabatanidzwa nedzemari yeProjeka yeBhauni yeBhangi, kwakabatanidza [[FLD:0] CARS Act kupfurikidza neCongresssssss rekare. Gare gare gare gare, kutarisirwa kwairatidzirwa pamusoro pemiitiro yechikwereti netsoro yetsoro, kugadziridza kufanana nePlation Program ye20.

Chipupuriro Chegadziriro Yezvinhu Yamashoko – Anotaura uye Chikonzero Nei

Kunzwisisa anopupurira panhau duku dzebhizimisi kunokosha kuyera kunaka kwevagadziri vemashoko vanogamuchira. Ndaza yezvapupu inowanzotorwa mumadhamu mana: vakuru vakuru vehurumende, vatungamiriri vesangano rebhizimisi, vanodzidza, uye varidzi vebhizimisi rimwe nerimwe.

Zvapupu Zvehurumende

Vamiriri vakabva SBA, Service Department, uye Small Business Advocations zvapupu zvinowanzova zvapupu. Vanogovera mashoko pamusoro pokuitwa kwepurogiramu, miitiro yezvemari, uye kuzviisa pasi kwemitemo. Sezvo izvi zvapupu zvichimirira vatarisiri musimba, chipupuriro chavo chinowanzoratidzira muitiro wezvokutanga wapurezidhendi wazvino uno (hwuchinomirira kutsigira kana kuti kukumbira nokuda kwegadziriro dzekupa dzinopa zvikuru.)

Mapoka Okudzora Nemasangano Ezvokutengeserana

Masangano akadai seNFIB, Sumber of Commerce yeU.S. Majority Matomatic ivagari vemo venguva dzose. Basa rawo nderokubvisa zvinetso zvezviuru zvemitezo ndokupa pamberi pakabatana. Nemhaka yokuti zvinotsamira pazvinodikanwa zvemitezo nokuwana kwezvamatongerwe enyika, uchapupu hwazvo hunogona kutsamira pakudzivisa gakava. Zvisinei, mishumo yazvo yemajeretsi inowanzodudzwa mumutemo wokupedzisira. Somuenzaniso, NFIB’s Mitemo yeCrediation Index yeFiles chalworight Indement

Varidzi Vebhizimisi: Inzwi Reruzivo rwokuzviwanira

Uchapupu hunogombedzera zvikurusa hunowanzobva kuvatengesi vamwe navamwe vanoshandisa zvitoro zvezvitoro, maresitorendi, kubvunza mafekitari, kana kuti mafekitari okugadzira. Vagadziri vemitemo pamativi ose ari maviri enzvimbo dzinogara dziripo vanosanongwarira apo mushandi anorondedzera muuyo chaiwoiwo wemitemo yemitero kana kuti kunonoka kwechikwereti. Chinofunda chezvinyorwa zvemari chinoratidzira kuti zvikwereti zviri mungozi zvikuru kufambira mberi pashure pokunzwa kwomurangariro wapamutemo kana kuti wemari kuti ungwaru hwemiitiro yemiitiro. Basa ravo ndero kutanga mufananidzo wakajeka uyo unowirirana nenzvero yemiitiro yakarongwa yakaitwa navamwe. Kunyanguvezvo, fundo dzezvinyorwa zvemitengo yemitengo yemiteo yemitengo isati yemari inoratidza kuti mipimo yemifungo mifungo mifungo yemifungo yendangariro yapamutemo inobva kumibato miduku yebhizimisi.

Kudzidza Nenyanzvi Dzemitemo

Masayendisiti anobva kumasangano akadai seBrookings Institution, Heritage Foundation, kana kuti zvikoro zvemayunivhesiti ebhizimisi anogona kusimbisa vanhu vane mwero vanotsvaka kururamiswa neuchapupu. Zvisinei, dzimwe nguva zvapupu zvedzidzo hazvina ruzivo rwezvinhu zvinoshanda zvebhizimisi duku, uye kurumbidza kwazvo kunganyanyova kwepfungwa dzokushanda.

Kubatsira Kunoita Vanhu Kusvika Papi: Kubva Pakunzwa Kunoenderana Nomutemo

Kuwedzera tapuro chaiyo yekutonga kwokupedzisira kwakaoma nemhaka yokuti mutemo unoumbwa namasimba akawanda: kupesvedzera, kuzivisa zvinobudisa nhau, murangariro wavose, uye utungamiriri hwebato. Kunyange zvakadaro, vanzveri vakakudziridza mitoo yokutsvaka pesvedzero. Conforional Record uye mishumo yedare inowanzobatanidza nongedzero dzakajeka kuuchapupu. Somuenzaniso, apo chikamu chechikamu chebhuku chinongoongorora nokuongorora chinenge chanzwiwa musi waMarch 15,” chiratidziro chakajeka icho kunzwa kwakaumba rugwaro.

Kudzidza Nyaya: Muitiro wa2012

Jukstart Our Business Frommas (JOBS) Act, yakarerutsa miganhu yemiganhu yokusaita zvinhu kuti ibvumire kutemwa kwemitengo miduku, muenzaniso webhuku webudireyi yebutry - react. House Committee on Financial Services yakaita nhevedzano yokunzwa muna 2011 umo vatangi vakapupurira kuti kurambidza kukumbira kunoitwa kwedare revo kwakaita kuti kuve kusingabviri kukwanirisisa mbeu kubva kuvatengi vaduku zvikuru. Vainzwa vacho vakaita chibvumirano chebipartisanistantis yakaita kuti RO yeJOBS itsi Act netsigiro yakasimba yakasimba. [FLT:] Governmental Acment Acment Acrolation Acture Action Officetion Officetion gare gare gare gare vakasimbisa kuti vanhu vazhinji vaikwira kukura na 200 mumakore mashanu, vakatora mutemedzero wemitemo wacho wakaratidzirwa.

Zvinetso Mukutsvaka Kufurirwa

Nepo nhau yebudiriro yeJOBHOS Act yakajeka, kunzwa kwakawanda kunoparira kusapa mutemo wekurumidziro. Vatsoropodzi vanoonesa kuti kunzwa kunogona kuitwa kana kuti kunyanyoshandiswa kunyora mapfundo ezvematongerwe enyika kana kuti kuita chinyorwa nokuda kwegweta risina bviro yokufambira mberi. Muzvinoitika zvakadaro, ukoshi hwokunzwa huri mukugadzirwa kwomutemo kuri kwete mukudzidzisa vanhu vose uye kuisa mavambo ezvirongwa zvenguva yemberi. Somuenzaniso, kunzwa pamusoro pendyiko huru yeinishuwarenzi youtano yevanhu vanozvishandira mukupera kwama 2000 hakuna kuita mutemo kutozosvikira Afford Careal Act, makore gare gare gare gare, yaita Small Business Reliness Religience Program (SSOP).

Zvinetso Nokutsoropodza

Pasinei zvapo noukoshi hwawo, kutongwa kwedare kwakarongwa kunongova kure nemiitiro yakakwana yokuita miitiro miduku yebhizimisi.

Kuparadzana Nokuramba

Mumakumi amakore achangobva kupfuura aya, kunzwa kwazova kwakaparadzana zvikuru. Zvigaro zvedare zvingakoka bedzi zvapupu zvinobvumirana nezvirongwa zvavo, zvichishandura chinofanira kuva chinodikanwa chokuwana chinhu kuva chirovedzo chokupedzisa. Varidzi vebhizimisi vaduku vasingawirirani nemurangariro webato guru kazhinji kazhinji havasati vachitongodanwa, kana kuti vanopiwa nguva shoma yokutaura. Ikoku kunogona kutungamirira kumitemo iyo inokurukura itiro hanya dzechikamu chimwe bedzi chenzanga duku yebhizimisi.

Kushaikwa Kwekutevera

Kunzwa kwakawanda kunoguma nezvipikirwa zvinosanotaurwa zvikuru asi chiito chiduku. Vaiti vemitemo vangapa ngwariro panhau inogombedzera − yakadai sezvinetso zvokuwana zvikwereti zvengwavaira pashure pekufora kwemoto(apoka vakundikana kusuma gweta kana kuti kudzosera kumipimo. Nzeve dzinova mugumo mariri imene, kugutsa kudikanwa kwe “kuita chimwe chinhu” pasina kuita chinjo inooneka. Iyi nzira inovhiringidza varidzi vaduku vebhizimisi vakapedzera nguva mukugadzirira ufakazi.

Nguva Yakaoma uye Zvinhu Zvisina Kunaka

Varidzi vebhizimisi vaduku vanowanzova vapfupi panguva nemari. Kufamba kuenda kuWashington, D.C., kugadzirira uchapupu hwakanyorwa, uye kugara mumaawa akawanda okunzwa kunogona kuva mutoro mukuru. Nokuda kwomuridzi mumwe, zuva kubva kubhizimisi ringareva kurasikirwa nemari. Ikoku kunoparira shanje kumabasa makuru anogona kubhadhara bhizimisi rehurumende. Somuuyo, manzwi amabhizimisi maduku zvikuru, maruwa, kana kuti makambani maduku anozvidzwa angarevererwa muchinyorwa chokunzwa.

Kusakwanisa Kunzwa

Murairo wezvishanu nokuda kwokutaura kwokupupurira nebvunzurudzo dzinokurumidza kubvunzwa nemitezo yedare kazhinji kazhinji unodzivisa kunzverwa kukuru kwenhau dzakaoma. Panosvika nguva apo muridzi webhizimisi anopedza kuronga mashoko akapoteredza, chinyimwa chatowa. Mitezo yavashandi vedare yakawanda inobvuma kuti kunzwa kuri nani pakubudisa misoro mikuru kupfuura kurukurirano dzine udzame. Basa rapashure rezvikamu zviduku, zvisina kurongwa kana kuti mumarusando okupa mari izvo zvisina kunyorwa.

Zviitiko Zvenguva Yapfuura Nemaonero Enguva Yemberi

Mukupindura kuderere reCOVID-19, dare re117th Congress rakaedza kunzwa kworumwe rudzi uye kunzwika kwemhesano. Nepo kuchinja kwacho kwakanga kune matombo, kwakaitawo kuti kunzwa kusvike zvikuru kuvari vebhizimisi vaduku vaisagona kufamba kuenda kuWashington. Kubvira muna 2025, matare mazhinjisa akachengeta chisarudzo chakavhengana, icho chinobvumira vatengesi vanobva kumaruwa kana kuti nzvimbo dziri kure kupupurira kupfurikidza nemusangano wevhidhiyo. Kuchinja uku kungabetsera kuderedza dare rapupu ndokuunza mhatsa yezvinoitika zvakajeka.

Vanotarira mberi, kunzwa kungangovawo kuwanda kwemitemo. Matare ari kuda zvikuru zvapupu kuisa ufakazi hunoenzana pachine nguva mberi, uye vashandi vari kushandisa mashoko anoantistic kuzivisa nzvimbo dziri muchinyorwa. Hofisi yeSBA yeAdvocacy yakaparirawo kugadzirwa kwayo kwemienzaniso yemibato inodzorwa, iyo matare anogona kuraira kuti ipiwe pakunzwa. Iyi chinjo kumashoko akavakirwa kumifungo inofanira kuvandudza kunaka kwemitemo miduku yebhizimisi, kunyange zvazvo ichidawo kuva nengozi yokuda mafemu makuru anogona kunzvera.

Imwe kombamiro iri kuvamba kushandiswa kwekunzwa kwe munda. Misangano inoitirwa kunze kweWashington munzvimbo dzakatapurwa zvakananga nomutemo unokarakadzwa. Somuenzaniso, House Small Business Committee yakaita basa rokutonga mumataundi anogadzira akaparadzwa nenyongano dzezvokutengeserana uye munzanga dzeGulf Coast kunaya madutu. Iyi purogiramu inopa varidzi vebhizimisi vomunzvimbomo mukana wokutaura pasina mutemo wedare raCapitol Hill kamuri, kazhinji kazhinji kazhinji chipupuriro chapachokwadi zvikuru.

Kunyange zvakadaro, denho huru inoramba iripo: kunzwa kunobudirira bedzi sokuda kwezvamatongerwe enyika.

mhedziso

Kubva muna 2017 vatongi vanopa mitero yokunzwa yengozi kuchisiko chePPP, kana kuti kusakwana nokuda kwokuumba mutemo muduku webhizimisi. Vanogovera nzvimbo yakarongeka kuti vatengese zvinhu zvavo, kuti nyanzvi dzipedze mipimo, uye kuti vaiti vemitemo varuramise kuvhotera kwavo kuruzhinji. Kuvambira muna 2017 mitero inonyanyowanzwa kuchisiko chePPP, vakanzwa vawanirazve simba ravo rokushandura nhau dzavo dzomunhu oga mumuitiro wenyika. Kunyange zvakadaro kutsamira kwegadziriro pakuchengeta magedhi, kuganhurirwa kwezvapupuro, uye kuderera kutevera kupfurikidza nokuti mirangariro miduku yebhizimisi inoramba isinganzwiki. Sezvipfuurira kuita kuti miitiro yayo yazvino unonzwika nokukurumidza, kupfurikidza nokutora rutivi rwokutora rutivi, maidirwo ebasa, uye kuwedzerwa kwamashoko nokuda kwokugamuchira, kukura kwemitengo. Varidzi vaduku, chidzidzo chinodzorwa chakajeka, chinoitwa neboka chitsanana, kupfurikidza nokugadzira kwemitevero yazvo inodzorongedzese.