The 12bet官方 研究所 today released new analysis providing localized insights on the 旧金山 economy, 包括在线平台经济参与和收入的趋势, 当地的商业, 小企业的财务结果, 还有自费医疗支出. 数据显示，旧金山的经济充满活力, but opportunity remains for neighborhood-based small 企业 and women-owned small 企业 to get ahead, 特别是考虑到该地区的负担能力挑战.

这份新报告， The 旧金山 Economy: Household and 小型企业 Financial Outcomes, explores questions of economic relevance through the lens of de-identified transaction and account summary data from over 70 million consumers and 2.500万家小企业.

“旧金山 has a vibrant economy, but opportunity is not evenly shared by all,” said Diana Farrell，12bet官方研究所总裁兼首席执行官. 作为城市领导, the private sector and non-profit organizations make community investments, 这些数据为实现更具包容性的增长提供了路线图, 确定哪些行业在增长，哪些行业在挣扎, while also identifying gaps in growth that can help inform potential interventions."

分析的主要发现包括:

网络平台经济: 旧金山’s average driver and lessor revenues stood out for being significantly higher than other cities with similar participation rates in October 2018.

• 在旧金山，交通部门的参与率从0.从2013年前10个月的17%下降到1.2018年前10个月达到85%. 司机的平均收入从1美元下降了27%,2013年前10个月从696美元降至1美元,2018年前10个月就有231起.
• 在交通运输领域, 旧金山 had the highest driver participation—just under two percent—and had the highest revenues of any metro area ($1,2018年10月每位司机508人). The research shows patterns in engagement reflect patterns in revenues; 旧金山 had one of highest engagement rates at approximately 15%.
• 2018年10月, 旧金山 had comparatively high average monthly lessor revenues ($2,每出租人812美元), 中度高参与度(0.21%)，高参与度(约17%).

当地的商业: Younger and lower income consumers contribute the most to spending growth in 旧金山. As online commerce grows, transactions among consumers and 企业 in the same region is limited.

• 在旧金山, younger consumers under the age of 35 tended to contribute more to growth compared to their older counterparts. 在这个系列的过程中, consumers under 35 contributed an unweighted average of 1.5个百分点，未加权平均营收增长率为1.5%.
• 与年龄相近, consumers on the lower end of the income spectrum tend to contribute the most and most consistently to growth. In fact, consumers in the first two income quintiles combined have never subtracted from growth. 在这个系列的过程中, consumers in the first two income quintiles contributed an unweighted average of 1.4个百分点，未加权平均营收增长率为1.5%.
• 在每个月, 2015年6月至今, spending by 旧金山 residents grew faster than spending at 旧金山 establishments. Contributions to spending growth mostly come from transactions in which the consumer was from a different region than the merchant. 在这个系列的过程中, spending by those consumers from a different region than the merchant contributed an unweighted average of 1.2个百分点，未加权平均收入增长率为1.5%.

小型企业旧金山的小企业在收入增长方面领先全国.

• The small business sector in 旧金山 had the highest level of revenue growth compared to 24 other major U.S. cities, as the aggregate revenue of small 企业 operating in 旧金山 grew 2.四年中每年增长6%.
• 而该地区作为科技中心的声誉, 相对于观察到的其他城市, 这在一定程度上适用于小企业, small construction firms actually contributed the most to aggregate small business revenue growth in 旧金山 (1.6)，其次是小型高科技服务公司(1).5 pp). 收入增长对餐馆的贡献为净正.14页)及其他专业服务(0.43 pp).
• 在旧金山, 研究发现，有机成长型公司, which are characterized by their intent to grow out of operating profits rather than the use of external financing, 经历了最大的收入增长. Moreover, within the top five percent of new firms, over 70 percent were organic growth firms.
• 整体, female-owned firms generated median first-year revenues that were about 34 percent lower than median revenues of male-owned firms. Firms founded by women were smaller than firms founded by men in every metropolitan area, 虽然大小差异因地点而异. 在旧金山, female-owned firms had $62K first year revenues whereas male-owned firms generated $94K their first year.

自付医疗费用: The Bay Area’s healthcare spending growth is among the highest in the country, 2014-2017年增长超过10%.

• Of the 23 states tracked, California showed the fastest growth in spending levels from 2016 to 2017. The high healthcare spending growth in California in 2017 holds true across different demographics groups.
• Top-spending counties in California tended to be high-income and located along the coast, 尤其是在湾区. 支出水平排名前三的县是马林县, 旧金山, 和圣马特奥, where the average annual growth rates exceeded ten percent from 2014 to 2017.
• 高收入群体通常倾向于在医疗保健上花费更多, but it is notable that the growth in these high-income counties exceeded the growth in spending across the 23 states observed even among the high-income group.

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