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A Hoard of Unpaid Invoices: Dissecting Economies & Private Market Forces To Solve B2B Late Payments

机译：大量未付发票：剖析经济体和私人市场力量解决B2B逾期付款问题

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摘要

The average small-to-medium-size business in the United States keeps just enough of a cash buffer to last 27 days worth of normal operational costs, but in 2016 81% of all B2B invoices were delayed at least 30 days or more past the due date of payment.;Furthermore, in 2016, the average SMB held roughly $84,000 in unpaid accounts receivables, with that number also varying across industries. As an example, the average IT SMB held roughly $163k in unpaid accounts receivables, while the average transportation company held roughly $102k in the same. Yet we wonder why 50% of all SMBs close shop in under 5 years of their existence.;Late business-to-business (B2B) payments are symbolic of rampant trade credit. The conditions surrounding the need, use, exploitation, and the legal protections to curb trade credit vary significantly across nations and business cultures. However, while cultural practices do have a way of impacting commerce, the various instances of late payments across the world have several other universal factors in common as well.;In this paper, we take a look at some global economies and the particularities of practices influencing late payments within their borders. We then dissect their public policies in an effort to gauge the pressure points which they hope to address - as well as any noticeable impact such policies may have had on future payment practices. We then juxtapose our lessons from public policy against the impact of private market solutions and technologies aimed at resolving late payments, and use those contrasting images to better understand the various factors that may have been left unanswered in public policy.;Finally, I use my experience dissecting and studying the impact of public legislation to craft and put forth policy proposals of my own - aimed at resolving the most common imbalances and exploits observed during the course of my study.
机译：美国的中小型企业平均拥有足够的现金缓冲来维持27天的正常运营成本，但在2016年，所有B2B发票中有81％被延迟了至少30天或更长时间。此外，2016年，中小型企业平均持有约84,000美元的未付应收账款，这一数字在不同行业之间也有所不同。例如，IT SMB的平均未付款应收账款约为16.3万美元，而运输公司的平均未付款应收账款约为10.2万美元。然而，我们想知道为什么所有中小企业中有50％在成立后不到5年的时间内关闭了商店。；企业对企业（B2B）的后期付款象征着广泛的贸易信贷。遏制贸易信贷的需要，使用，利用和法律保护所涉及的条件，在不同国家和商业文化中差异很大。但是，尽管文化习俗确实会影响商业，但世界各地的延迟付款的各种情况也具有其他一些普遍性因素。在本文中，我们将研究一些全球经济和习俗的特殊性。影响他们境内的逾期付款。然后，我们将剖析他们的公共政策，以评估他们希望解决的压力点，以及这些政策可能对未来的付款方式产生的任何显着影响。然后，我们将来自公共政策的经验教训与旨在解决滞纳金的私人市场解决方案和技术的影响并置在一起，并使用那些对比鲜明的图像更好地理解公共政策中可能尚未解决的各种因素。剖析和研究公共立法的影响以制定和提出自己的政策建议的经验-旨在解决我在学习过程中发现的最常见的失衡和剥削。

著录项

  • 作者

    Walker, Adam.;

  • 作者单位

    Rochester Institute of Technology.;

  • 授予单位 Rochester Institute of Technology.;
  • 学科 Public policy.;Economics.;Information technology.
  • 学位 M.S.
  • 年度 2017
  • 页码 182 p.
  • 总页数 182
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 公共建筑;
  • 关键词

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