Key concepts include Small businesses create two out of every three net new jobs but there remains a significant jobs gap. Structural issues make it more difficult for community banks to fill market gaps in small business lending. New entrants are innovating and using technology in ways that improve access time needed for delivery of capital and the overall borrower experience.
The policy challenge is to ensure that these new marketplaces have sufficient oversight to prevent abuse but not too much oversight that the innovation is dampened or delayed. Author Abstract Small businesses are core Chinese Overseas America Number Data to America s economic competitiveness. Not only do they employ half of the nation s private sector workforce about million people but also since they have created approximately two thirds of the net new jobs in our country. Yet in recent years small businesses have been slow to recover from a recession and credit crisis that hit them especially hard. This lag has prompted the question Is there a credit gap in small business lending state of access to bank capital for small business from the best available sources. We explore both the cyclical impact of the recession on small business and access to credit and several structural issues in that impede the full recovery of bank credit markets for smaller loans.
A Paper Information Full Working Paper Text Working Paper Publication Date July HBS Working Paper Number Have a Better Idea To Improve Health Care by Carmen Nobel Harvard launches an open competition to promote already proven innovations that could increase the quality and lower the cost of health care. Several months ago Harvard s Forum on Health Care Innovation surveyed industry executives policy makers academics and doctors about the state of health care in the United States. Their report card was not encouraging.
發表於 2024-3-12 16:35:35
