Izindlebe ze-Congress zingaphezulu kakhulu kwemithetho esemthethweni e-United States. Zimelela inkundla eyinhloko lapho abamisi-mthetho, ochwepheshe abalawula abantu, abasekeli bezentengiselwano, nezakhamuzi ezithintekayo zihlangana khona ukuze zihlole izimiso ezihlongozwayo. Ngomphakathi omncane wezamabhizinisi (okuhlanganisa amaphesenti angu-99,9 awo wonke amabhizinisi ase-U.S. futhi zisebenzisa cishe ingxenye yezisebenzi zobulungu zeqembu langasese. /azo zinganquma ukuthi umthwalo wokukhokha intela uyakhushulwa yini, intela iyanwetshwa, noma uhlelo lokuboleka imali lushiswe kakhulu. Ukuqonda indlela ukuzwa kwemiba yezentengiselwano okusa umthetho wezentengo eqinileyo kubaluleke ngayo kubathengi, abahlazi bemi, nanoma ubani okhathalela injini yezezomnotho ebizwa ngokuthi i-Main Street.

Umsebenzi Nezakhiwo Zezindlebe Zomphakathi

Imihlangano engokomthetho ye-Congress iqhutshwa amakomiti noma amakomiti angaphansi endlu yabameleli noma iSigele. Izinjongo zawo eziyinhloko zihlanganisa ukuqoqa ukwaziswa, ukuphatha, nokwakha umbhalo ovumelana nenqubo yezomthetho yesikhathi esizayo. Ngaphansi kwemithetho yegumbi ngalinye, amakomiti anegunya elikhulu kofakazi abangaphansi kwegumbi ngalinye, amabhukwana okucela, nokuphoqelela ubufakazi. Le nqubo ilawulwa usihlalo wekomiti, omisa izinqumo, ubiza ofakazi, futhi uphatha isikhathi esisesitezini.

Izakhono zehlela ezigabani eziningana ezihlukene. Izindlebe ezihlolwayo zihlelwa ngokukhethekile ukuba zicabangele izindleko noma iqoqo lezindleko. OFakazi (ngokuvamile) kuhlanganise nezikhulu zikahulumeni, abameleli benhlangano yezohwebo, nabanikazi bebhizinisi (i-Professism) banikeza ubufakazi obusiza amalungu ekomiti ukuba aqonde incazelo esebenzayo yolimi oluhlongozwayo. [[FLT:]] [[FLT]] ukuzwa kwezindlebe [[FLT] [[FLT]] ukubukeza ukumiswa kwemithetho ekhona, njengangathi i-SBA i-Administ Administration (SBA) inikeza izinhlelo zenhlekelele.[FLT] [FG] Izinhlelo zezentembe yebhizinisi elincane]

Kumthetho webhizinisi omncane, amakomiti anethonya elikhulu ahlanganisa iKomiti yeSigele yeMabhizinisi amancane ne-Entrepreneurship, iKomiti ye House eMasimini amancane, namakomiti okubhala intela .IKomiti yezezimali yeSigele neNdlela yeNdlu yeNdlela ne-Mazi. Lamaqembu avame ukuphatha izindaba ezikhuluma ngokuqondile ngezinkinga zabahwebi, kusukela ekufinyeleleni enhloko - dolobha kuya ezindlekweni zokuzikhokhela.

Ukwakheka Kwenzwala Engokoqobo

Izwi elivamile liqala ngenkulumo evulayo yesikhulumi nelungu eliphansi, elichaza injongo nobubanzi. OFakazi babe sebenikeza amazwi alungisiwe, ngokuvamile alinganiselwe emizuzwini emihlanu, alandelwe yinkathi yemibuzo nempendulo lapho ilungu ngalinye lekomiti linesikhathi esilinganiselwe sokubuza i-commission. Yonke i-operan ibhalwe futhi ibe yingxenye yomlando womphakathi, inikeza umkhondo obalulekile wamaqembu afundisayo, izintatheli, nabacwaningi.

OFakazi bakhethwa ngokucophelela. Iqembu elikhulu limema ochwepheshe nabaphethe izivumelwano ezivumelana nemigomo yalo yezimiso, kuyilapho iqembu elincane lingase lilethe imibono ephikisanayo. Lokhu kunamandla kungaholela empikiswaneni eshubile, kodwa futhi kusho ukuthi abanikazi bebhizinisi abancane abanokuhlangenwe nakho kwabo siqu ngezinye izikhathi bafihlwa abathathi bezekhono noma abafundi abangochwepheshe. Noma kunjalo, umlando ozwayo ngokuvamile uhlanganisa izinkulumo ezibhaliwe ezinikezwa amaqembu athakazelayo, uqinisekisa ukuthi izinhlobonhlobo zamazwi zibanjwa.

Indlela Ukuqulwa Kwamacala Okulolonga Ngayo Inqubo Yebhizinisi Elincane

Ukuhlobana phakathi kwecala nomthetho wokugcina akuvamile ukuqondeka noma kuvele ngokushesha. Nokho, ukuzwa kusebenza njengembangela yokucazulula izinkinga, ukuzama ukuthatha izikhali, nokunikeza isisekelo esiyiqiniso solimi lwezishayamthetho. Uma umnini webhizinisi omncane efakazela ubunzima bokuthola imali ebolekwayo naphezu kokuboletwa okukhulu, leyondaba ingaba yisici esinamandla abenzi bomthetho abathwele izikhawu zokushaya izintambo nezimpikiswano zaphansi.

Inguquko Yentela: Ukwehlisa Umthwalo EMain Street

Esinye sezibonelo ezikhonjiwe kakhulu zezendlebe ezithonya isimiso sentela yebhizinisi esincane seza phakathi nempikiswano emayelana ne-Taxi Cuts and Jobs Act ka-2017. Ukuzwa okuningi ngaphambi kwe House Ways ne-Flact Committee kwaveza ubufakazi obuvela kubaphathi bemishini ye-proprietoriast ne-Scomporations abachaza indlela amazinga aphakeme ashiye ngayo emali ephansi ephethe intela encane yokubuyiselwa kabusha. Umthetho owawenzayo waveza isamba sekhilo esingu-20 semali efanelekayo yebhizinisi ngaphansi kwengxenye ye-1999A(a) ilungiselelo elimiswe ngokuqondile yizigcawulo kanye nayimininingwane eyabekwa kulezo zikhalo. [FLT:] [FLT] Izentellives Komiti yezentengiselwano yezentengiselwano yenkonzo ephansi [[FLT] uthuthukisa ngokwengeziwe isigaba senkonzo esiphansi, uqinisekisa ukuthi amabhizinisi amancane kakhulu kunabantu abangosethiyo emboni asebenzayo, kunezi.

Ukufinyelela Enhloko - dolobha: Ukusuka Ebufakazini Kuya Ezimisweni Ezintsha Zemali

Kuwo wonke ama 2000 nangawo-2010, ukuqulwa kwecala ngokuphindaphindiwe phambi kwe House Small Business Committee kwafaka izikhala ebhange elingokwesiko eliboleka amabhizinisi amancane nasemaphandleni. OFakazi abavela ezikhungweni zentuthuko yezezimali (CDF Is) bafaka ubufakazi ngesidingo somkhiqizo wemali ethambileyo, ephansi kakhulu yokuboleka engafinyelela kwababoleki. Lezo zimemezelo zabeka isisekelo se-SBA’s Community Community Program eqongelele ukuqokolela ukuzwa kwesondo lemali ebhangelelwe ibhangelele isilinganiso sejubane se-partrylylyly Speat. Muva nje, [[FLDY:] isamba semali ebolekiswe ka-octivestingss. [FLD] ukuhlanganisa isiqinisekiso sokukhokha izimali ezingakhokhisi eziqoshiwe ukuqotha ukuqomisa ukuzwa kwemali ebhangezwayo.

Ukukhululeka Endleleni Yokuqondisa: Ukusika Isikhumba Esibomvu Ngokunakekela

Ukulalela kuye kwasiza futhi ekuboneni izindleko ezinzima kakhulu. Ngo-2011, iKomiti yendlu yoMnyango noHulumeni yaba nenhlelo yokuququzelela izindleko eziphindaphindiwe zemithetho kahulumeni yamabhizinisi amancane. Ubufakazi obuvela kwiNational Federation of Independent Business (NFIB) buye bafaka izibalo zezindleko zokuthotshelwa kwezisebenzi ezithatha izindleko zemali cishe ezingu-R1,000 ngemiphumela yezimboni ezincane. //I-R32 000) kunezinkampani ezinkulu. Lobu bufakazi baba nesandla esiqondile ekudlulisweni kwe-Regatootation Flexibility Relitivements Actal Act, okwaqinisa imfuneko yokuba izinhlangano zicabangele imiphumela emincane ngaphambi kokukhipha imithetho emisha. Ngokufanayo, ukuzwa kwethonya le-Affordbitable Act eholwa umqashi eziphethe iziteshicishini zenkampane ukuba zisebenzise inqubo enzisiwe.

Ukusabela Okuyi - pandemic: Izindaba Ze - PPP Ne - EIDL

Asikho isibonelo samuva esibonisa kangcono amandla okuzwa kunokudalwa nokulungiswa kwe-Paycheck Program (PP). Ngamasonto ambalwa e-COVID-19 evala i-CHOVAD ngoMatshi 2020, iKomiti yeSigele i-Company Small Business yalalela izimemezelo eziphuthumayo lapho abanikazi besitolo esizimele, abanikazi bemisebenzi yokuzisebenzela, nabaqondisi bezokuvakasha bachaza ukuvalwa okuseduze. Ukuphuthuma kwabo, kuhlangene nezinqumo zezomnotho zeHlangosi zeHlazelo lwemali eMnyango weCongreslication, kwanyusa [[FULD:0] CALS Act ngezikhathi ezigciniwe. Kamuva, ukulalela ukudidedelwa kwentengo ngenxa yentengo yentengo ebo ebolwayo kanye nentengo, ukulungisa i-Pacheckerlviced Provition Act of 2020. Inqubo yendalo (impluence-PPC) yaso projectived progrees)

Isimiso Sobufakazi - Okhulumayo Nesizathu Saso

Ukuqonda ofakaza emacaleni amancane ebhizinisi kubaluleke kakhulu ekuhloleni izinga labenzi bezokwaziswa abatholayo. Uhlu lofakazi luvame ukuvela kumachibi amane: izikhulu zikahulumeni, abaholi benhlangano yezentengiselwano, izifundiswa, nabanikazi bebhizinisi ngabanye.

OFakazi Bakahulumeni

Abameleli be-SBA, i-Treasurement, ne-Ofisi yoBuphini Obuncane yombuso bangofakazi bavamile. Banikeza ukwaziswa ngendlela ehlelwe ngayo, ukuthambekela kwezomnotho, nokulalela ukuqondisa. Njengoba labofakazi bemelela ukuphatha embusweni, ubufakazi babo ngokuvamile bubonisa inqubo ephambili kamongameli wamanje (*) esho ukusekela ukuncishiswa kwezimiso zokuphana.

Amaqembu Ezokuphatha Nezinhlangano Zohwebo

Izinhlangano ezinjenge-NFIB, i-Chamber of Commerce yase-U.S. iMajority encinci zihlala zikhona. Indima yazo iwukuqeda izinkathazo zezinkulungwane zamalungu futhi zibeke phambili ngokuhlangene. Ngenxa yokuthi zithembele ekufuneni amalungu kanye nokufinyelela kwezombangazwe, ubufakazi bazo bungancika ekugwemeni impikiswano. Nokho, imibiko yazo yemininingwane ecebile ivame ukukhonjwa emthethweni wokugcina. Ngokwesibonelo, i-NFIB’s i-Drandment ye-Fireverdiation yamabhizinisi amancinci] ivame ukubhekisela ekulaleleni isilinganiso semiphumela yezimiso.

Abanikazi Bebhizinisi: Izwi Lokuhlangenwe Nakho

Ubufakazi obuqand ’ ikhanda kakhulu buvela kubantu ngabanye abasebenza ngezitolo zezimpahla, izitolo zokudlela, izimboni ezihlola izimboni, noma izakhiwo zokukhiqiza. Abenzi bomthetho nhlangothi zombili zaleli hholo baqaphelisisa lapho umxhasi echaza ithonya langempela lezentengo noma ukulibala kwemali. Inselele kulab ’ ofakazi ukuthi akuvamile ukuba babe nolwazi olungokomthetho noma lwezimali lokulungisa izimiso ezibanzi. Indima yabo ukwenza umfanekiso ocacile ohambisana nokuhlaziya okunikezwa abanye. Noma kunjalo, ukuhlola amarekhodi emalini ekhonkini kubonisa ukuthi kungenzeka kakhulu ukuba izindleko ziqhubeke ngemva kokuzwa okuthintana ngokomzwelo, amarekhodi avela kubaphathi bezamabhizinisi abancane.

Izifundo Nezazi Zezomthetho

Izazi zezomnotho ezivela ezinhlanganweni njenge Brookings Institution, iHealth Foundation, noma izikole zamayunivesithi zezebhizinisi zinikeza ukujula okungokobunzululwazi. Ubufakazi bazo bungathonya amalungu alinganiselayo afuna ukulunga okusekelwe kubufakazi. Nokho, ngezinye izikhathi ofakazi bezifundiswa abanakho okuhlangenwe nakho okuqondile ngamaqiniso asebenzayo ebhizinisi elincane, futhi ukutusa kwabo kungase kucatshangelwe kakhulu ukuba kungasetshenziswa ngokoqobo.

Ithonya Elilinganayo: Kusuka Ekuzweni Kuya Emthethoni

Ukwandisa ithonya eliqondile lecala elilodwa lokugcina lomthetho kunzima ngoba umthetho umi ngobufakazi obuningi: ukunxenxa, ukusakaza imithombo yezindaba, umbono womphakathi, nobuholi beqembu. Noma kunjalo, abacwaningi baye basungula izindlela zokuthola ithonya. Ikhonogational Record[ nemibiko yamakomiti ivame ukuhlanganisa izikhombo ezicacile zobufakazi. Ngokwesibonelo, uma ingxenye yomthetho ikhankanyiwe ngengxenye-sethi yesigaba ibhekisela “eziphakanyisiwe phakathi kokuzwa konyaka kaMarch 15,” iyisibonakaliso esicacile sokuthi ukuzwa kulolo mbhalo.

Ukutadisha Icala: Umthetho KaJobe

I-Jukkstart Our Business Forgiates (JOBS) Act, eyadambisa iziqinisekiso zokungaqiniseki ukuze ivumele ukuhlelwa kwemifantu, iyisibonelo sencwadi yezincwadi ye-bitting butting button. I House Committee on Financial Services yaba nochungechunge lokuzwa ngo-2011 lapho abasunguli bafakazela ukuthi ukuvinjelwa kokucela izimali ezivamile kwenza ukuba inhloko yembewu inyuswe kusuka kwababeki abambalwa abagcini-mali. Labo abazwayo baveza isivumelwano se-bipartisan esaholela ekudlulisweni kwe-Act ye-joS ngokusekela okunamandla. Umbiko we-Acrevernation Office accomment [[FLT] kamuva waqinisekisa ukuthi ukukhuliswa kweminyene kunyuke ngaphezu kuka-200% eminyakeni emihlanu yokuqala yeminyaka emihlanu ngemva kwesivumelwano, ukumiswa kwesimiso esibonisa ukuthi umthetho wathatha umphumela. [FFFoctivedvertiveration.]

Izinselele Ekufuneni Ithonya

Nakuba indaba yempumelelo ye-BOBHOS Act icacile, ukuzwa okuningi akuvezi mthetho osheshayo. Abagxeki baveza ukuthi ukuzwa kungasetshenziswa kuveza amaphuzu ezombangazwe noma ukuqopha umlando wemali engasheshi. Ezimweni ezinjalo, inani lokuzwa alikho ekuqasheni umthetho osheshayo kodwa ekufundiseni umphakathi nasekubekeni isisekelo sezikhawu zesikhathi esizayo. Ngokwesibonelo, ukuzwa ngezindleko eziphakeme zomshuwalense wempilo kubantu abasebenzayo ekupheleni konyaka ka-2000 akuzange kuveze umthetho kwaze kwaba yi-Afford Careat, eminyakeni kamuva, kwasungula i-Small Business Health Program Program (SHOP).

Izinselele Nokugxeka

Naphezu kokubaluleka kwazo, ukuqulwa kwamacala ezindaba akuzona neze izinqubo eziphelele zokwenza izinhlelo ezincane zebhizinisi.

Ukuba Uhlangano Nokuzitika

Emashumini eminyaka amuva, ukuzwa kuye kwaba nokuhlukana okukhulayo. Izihlalo zamakomiti zingamema kuphela ofakazi abavumelana nohlelo lwabo, beguqula lokho okufanele kube ukuthatha inqubo engokweqiniso kube igumbi lokunanela. Abanikazi bamabhizinisi abancane abangavumelani nombono weqembu elikhulu ngokuvamile ababizwanga, noma banikezwa isikhathi esincane sokukhuluma. Lokhu kungaholela ekwakheni umthetho okuphathelene nezici zengxenye eyodwa kuphela yezebhizinisi.

Ukuntuleka Kokulandelela

Izindlebe eziningi ziphumela ezithembisweni ezisakazwa kahle kodwa zingathathi nyathelo. Abenzi bomthetho bangalalela indaba ephoqelelayo − njengezinkinga zokungena ezikweletini zenhlekelele ngemva kwempi yequbula-mlilo(* kodwa khona - ke bahluleka ukuveza imvume noma ukuhlobanisa izilinganiso. Ukuzwa kuba ukuphela ngokwakho, kwanelisa isidingo ‘ sokwenza okuthile” ngaphandle kokwenza ushintsho olubonakalayo. Lendlela ikhungathekisa abani bebhizinisi abasebesebenzise isikhathi ekulungiseleleni ubufakazi.

Ukushintsha Isikhathi Nemithombo Yezinto

Abanikazi bamabhizinisi abancane bavame ukufinyela ngesikhathi nemali. Ukuya eWashington, D.C., ukulungiselela ubufakazi obubhaliwe, nokuhlala phakathi namahora amaningi kungaba umthwalo obalulekile. Kumuntu oyedwa, usuku olukude nebhizinisi lungase lusho ukulahlekelwa imali. Lokhu kudala ubandlululo oluqinile emabhizinisini amakhulu angakwazi ukuthenga izisebenzi zikahulumeni. Ngenxa yalokho, amazwi amabhizinisi amancane kakhulu, asemaphandleni, noma amancane kakhulu adluliselwa embhalweni ozwayo.

Ukuhluleka Kwenqubo Yokuzwa

Umthetho wemincane emihlanu wokunikeza izinkulumo zobufakazi kanye nokuphenya ngokushesha kwamalungu ekomiti ngokuvamile kuvimbela ukuhlola okujulile kwezindaba eziyinkimbinkimbi. Ngesikhathi umnini-bhizinisi eqeda ukuhlela umongo, i-panel isiwile kakade. Amalungu amaningi ekomiti ayavuma ukuthi ukuzwa kungcono kakhulu ekushicileleni izihloko eziphambili zezindaba kunezokuveza izingxoxo zezimiso eziningi. Umsebenzi omningi ophansi uyenzeka emihlanganweni emincane, ngokwethukela noma eziqenjini zokunyusa ezingakhangi.

Intuthuko Yamuva Nombono Wesikhathi Esizayo

Isabela ekuhlaseleni kwe-COVOID-19, i-17th Congress yazama ukuzwana okungalingani namagama axubile. Nakuba lolu shintsho lwalunamadwala, lwabangela ukuba abanikazi bebhizinisi abancane ababengakwazi ukuya eWashington bakhululeke kakhulu. Kusukela ngo-2025, amakomiti amaningi agcine ukhetho oluxubile, oluvumela abathengisi abavela emaphandleni asemaphandleni noma ezindaweni ezikude ukuba bafakazele ngengqungquthela yamavidiyo. Lokhu kushintsha kungasiza ekunciphiseni leli chibi lobufakazi futhi kubangele izinhlobonhlobo zokuhlangenwe nakho emlandweni.

Uma bebheka phambili, ukuzwa kuzoba yisikhawu esikhudlwana. AmaKomiti afuna ofakazi ukuba banikeze ubufakazi obuyindida kusengaphambili, futhi izisebenzi zisebenzisa imininingwane esekelwe ekwazisweni ukuze zibone izikhala ezigciniwe. IHhovisi le-SBA lika-Advocacy futhi liye lanciphisa ukukhiqizwa kwalo kokuhlola okulawulayo, amakomiti angayala ukuba kunikezwe ezindlebeni. Lokhu kushintshela ezindlebeni ezisekelwe ekwazini kufanele kuthuthukise izinga lomthetho wezebhizinisi elincane, nakuba futhi lifaka izingozi zokuvuma amafemu amakhulu angakwazi ukukhonzwa.

Enye inqubo eyandayo iwukusetshenziswa kwezindlebe zasemasimini `imihlangano eqhutshelwa ngaphandle kweWashington ezindaweni ezithinteke ngokuqondile nomthetho ohlongozwayo. Ngokwesibonelo, i House Small Business Committee iye yaqungatha izikhululo emadolobheni akhangiswa ukuphazamisa kwezentengiselwano nasemphakathini wase-Gulf Coast elula iziphepho. Leminyango inikeza abani bebhizinisi ithuba lokukhuluma ngaphandle komthetho wegumbi lekomiti ye-Capitol Hill, ngokuvamile inikeza ubufakazi obungagunciphi.

Nokho, inselele eyisisekelo ikhona: ukuzwa kuphumelela njengentando yezombangazwe. Uma iqembu elikhulu likhetha ukungabunaki ubufakazi babaphathi bamabhizinisi abancane, ngisho nokuzwa okuphoqelelwe kakhulu ngeke kuphumele ushintsho. i-athous ihlala ezinhlanganweni zezezimali nabanikazi bamabhizinisi ukuze bakhe ubuhlobo nezisebenzi zekomiti ngaphambi nangemva kokuzwa, iguqule ubufakazi obubodwa bube umkhankaso oqhubekayo.

Isiphetho

Ukuzwa kwemithetho ye-Congregational kubaluleke kakhulu − uma kungaphelele, uma kusetshenziswa ukuguqula umthetho webhizinisi omncane. Zilungiselela ukuba abahwebi bahlanganyele izinto zabo, ochwepheshe banikeze ukwaziswa, futhi abenzi bomthetho bathethelele amavoti abo emphakathini. Kusukela ku-2017 ukukhokha intela ekwakhiweni kwePPPP, abezwayo ngokuphindaphindiwe baye baqinisekisa amandla abo okuguqula izindaba zabo siqu enkambisweni yezwe. Nokho ukuthembela kwesimiso ekugcineni amasango, ukulinganiselwa kobufakazi obuhlukene, nokushiyeka kwemibono emincane yamabhizinisi ngenxa yesizathu sokuthi imibono emincane yebhizinisi iyaqhubeka ingazwiwa. Njengoba iSivumelwano siqhubeka senza ukuba izindlebe zaso zizwa ngendlela ephuthumayo, ukuthatha izinhlelo ezithile, izikhawu ze-data, ukukhula kwemiyamukela ngokwengeziwe imithetho. Abanikazi abancane, izifundo ezilula, i-okanye nobufakazi obuphoqediwe, ukulungiselela ukulungiselela amaqembu amabhizinisi amabhizinisi amancane, nokuqondisa amaqembu asebenza ngezindlela ezisebenza kakhulu.