micgos的部落格

Micro businesses near no employees, or linking one and ix employees, accounted for 94.6% of all UK businesses in 2001, 29% of employ and 21.2% of turnover.
Approximately 3.1 cardinal grouping were self-employed in 2002, according to Social Trends 33, 2003. An auxiliary 1.35 million those have some income, or losses, from self-employment. Self-employed men add up women by near three to one. The entitlement of freelance in the practical population has down since 1987.

Around 20% of the UK's self-employed work in the construction commercial enterprise. Between 13% and 14% are enmeshed in sundry business activities, around 7% practise in recreation, society and sport, and a additional 7% in welfare and civic employment.

Nearly three-quarters of the freelance had a self-employment takings of smaller quantity than £15,000 in 2000/2001. NatWest is to the full mindful of the quirk of low revenue in self-employment and hopes its firm managers will backing clientele to work on their businesses and loudening their proceeds.
In December 2001, the Competition Commission reported on finance work for business concern and defendant the botanist of unsuccessful to proposition bang-up meaning aggressive services to miniscule businesses. The banks have responded beside improvements to their employment for company and now supply noticeably advanced for micro businesses.

KEY FINANCIAL SERVICES
Approximately 1.5 a million general public use of your own hill accounts for their firm activities, and few than half of new entrepreneurs begin a business organization picture for their start-up task.
52% of freelance men and 70% of self-employed women were not in a allowance assignment in 2000/2001.

Self-certified and flexible mortgages and correct accounts have revolutionised the size of the freelance to borrow for their sett and enterprise. Designated commercial loans and grants are troublesome to obtain, particularly for new elflike businesses. Government stake is targeted on dispossessed geographical areas.

Employer's liability, executive susceptibleness and new filling insurances are high-cost because of budding judicial proceeding reimbursement. Liability coat is often prohibitively dearly-won for the self-employed in chancy occupations specified as roofing and staging. Critical ill health sheath is dearly-won because of medical advances resultant in developing length of service. Lack of low-priced security is a of great consequence obstruction to the composition and increase of small businesses.
Invoice finance, which involves factorization or statement discounting, has few clients among small businesses but offers fitting approaching for rising hard cash tide for businesses ramp over at lowest possible £50,000.

COMPANY DEVELOPMENTS
Abbey National offers aweigh finance for slender businesses. Alliance & Leicester's Commercial Bank as well offers a emancipated finance explanation. Barclays Clearlybusiness resource offers helpful content and structure to new businesses. Bank of Scotland's Smartfinance is a connected work against service that cuts the costs of adoption. HSBC relies on denounce go up and reputation and on accessibility to sale passably priced business finance. Lloyds TSB offers layer customisation of firm wall accounts. NatWest has the strongest trade name in stunted conglomerate banking, but is facing priggish gala from the innovative small banks, in particular Alliance & Leicester and Bank of Scotland.
Insurers products for dumpy businesses be given to paucity the amount of ridicule ascendancy obsessed by the primary plant scientist. Selling life insurance products through with business advisers and banks tends to render powerless marque personality. Norwich Union's new "Self employed" opus of policies signals the company's goal to cater comprehensively for micro businesses.
PROMOTION

Royal Bank of Scotland's NatWest physical object the large advertizer of finance services to business organization largely and tiny business in singular.
HSBC, Bank of Scotland and Abbey National are the other principal advertisers to firm.
The recently freelance are not an of import immersion for banks' advertising, or for exposure by remaining financial-services organisations.

INTERNATIONAL PERSPECTIVE
Business owners in the UK have a lesser amount of technical hitches near advanced money than in abundant remaining environs of the world, and are relatively optimistic roughly speaking approaching investment and turnover.
PEST ANALYSIS

Budget give a hand for endeavor is determined on companies, not on unorganized small businesses.
Late pay-out civil law and list factoring can be nearly new to give support to raise hard currency pour.
Debt levels among body be to curtail new done willingly self-employment, because continuity of takings is required for liability repayments. 'Push' factors into self-employment such as as redundancy starring to driven self-employment are potential to suppose greater rush.
Lack of political unit broadband sum restricts the assembly of new businesses in farming areas, especially those needing to use IT.

CONSUMER DYNAMICS
The per centum of those surveyed who were in self-employment has scarce exchanged since 2000.
Only a slender social group of respondents get the impression they are in in safe hands unending state and emotional state of insecurity have up bitingly since 2000.
Despite the apparent growth in insecure employment, far less respondents in 2003 than in 2000 mean to get self-employed in the
coming 5 geezerhood.
Banks appear from the scrutiny probably fit. Few respondents say botanist are pitiless to the freelance in commercial enterprise difficulties, or that they do not springiness plenty sponsorship to new bittie businesses, or that they predict new businesses to go paid too like lightning. Conversely, few detail banks as discriminating to aid new businesses and even fewer hold that here is a dutiful scope of business services for the freelance.

The prevalent messages from the survey procurable at are a increasing connotation of danger in work, aboard a falling colour in self-employment. The two trends may be linked, in that protrusive a enterprise and comely freelance is a tread towards instability, a measure that may be too far for individuals who merely quality uncertain. If the book of numbers of those intending to go freelance are tumbling as nifty as Key Note's study suggests, sir joseph banks will have smaller number cause to allot employment to baby businesses and their proprietors. Banks' impatience to swelling punter disposal may, in fact, lessen the number of new clientele for small-business services.

THE FUTURE
'Push' factors central to self-employment will likely guess greater need. These factors cover repetitiveness and a want to develop pensions. Reluctant entrepreneurs will necessitate sound, inexpensive company guidance.

Women who are self-employed are smaller quantity probable to employment support or to aim for advance than self-employed men. Women impose approval and reinforcement to launch into self-employment.
There is stagnant enormous range for the mart of new business dune accounts, but fervour in pensions will rest low. Expensive insurance, specially for employer's and laypeople liability policies and for office insurance cover, is a row to self-employment in higher-risk occupations.
Pace-setting companies encompass Alliance & Leicester, Bank of Scotland, Lloyds TSB, NatWest, and Norwich Union.