澳博官方网站app研究所今天发布了新的分析报告，提供了对旧金山经济的本地化见解, including trends in Online Platform Economy participation and revenues, local commerce, small business financial outcomes, and out-of-pocket healthcare spending. The data show San Francisco has a vibrant economy, 但是，以社区为基础的小企业和妇女拥有的小企业仍然有机会取得成功, especially in light of the region’s affordability challenges.

This new report, 旧金山经济:家庭和小企业的财务结果, 通过从7000多万消费者和2000多万消费者的去身份化交易和账户汇总数据的视角，探讨了经济相关性问题.5 million small 企业.

他说:“旧金山的经济充满活力，但机会并不是均等的 Diana Farrell, President and CEO, JP摩根 追逐 研究所. “As city leaders, 私营部门和非营利组织进行社区投资, these data provide a roadmap for creating more inclusive growth, identifying which sectors are growing and which ones are struggling, 同时确定增长差距，有助于为潜在的干预措施提供信息."

Key findings from the analysis include:

Online Platform Economy2018年10月，旧金山的司机和出租人的平均收入明显高于其他参与率相似的城市.

• In San Francisco, transportation sector participation increased from 0.17 percent in the first ten months of 2013 to 1.85% in the first ten months of 2018. Average driver revenues decreased by 27 percent from $1,696 in the first ten months of 2013 to $1,231 in the first ten months of 2018.
• In the transportation sector, 旧金山的司机参与率最高——略低于2%——而且在所有都会区中收入最高(1美元),508 per driver in October 2018). The research shows patterns in engagement reflect patterns in revenues; San Francisco had one of highest engagement rates at approximately 15%.
• In October 2018, San Francisco had comparatively high average monthly lessor revenues ($2,812 per lessor), moderately high participation (0.21 percent), and high engagement (about 17 percent).

Local Commerce年轻和低收入的消费者对旧金山的消费增长贡献最大. 随着电子商务的发展，同一地区的消费者和企业之间的交易是有限的.

• In San Francisco, 与年龄较大的消费者相比，35岁以下的年轻消费者对增长的贡献更大. 在整个调查过程中，35岁以下消费者的未加权平均贡献为1.5%age points to an unweighted average topline growth number of 1.5%.
• Similar to age, 收入较低的消费者往往对经济增长的贡献最大，也最持久. 事实上，前两个收入阶层的消费者加起来从来没有对经济增长产生过影响. Over the course of the series, 前两个收入阶层的消费者贡献的未加权平均值为1.4 percentage points to an unweighted average topline growth number of 1.5%.
• In every month, since June 2015, 旧金山居民的消费增长速度快于旧金山餐馆的消费. 对消费增长的贡献主要来自于消费者与商家来自不同地区的交易. Over the course of the series, 与商家不同地区的消费者的消费贡献了未加权的平均1.2 percentage points to an unweighted average topline growth number of 1.5%.

Small Business: San Francisco small 企业 lead the country in revenue growth.

• 与美国其他24个主要城市相比，旧金山的小企业收入增长水平最高.S. 随着在旧金山经营的小企业的总收入增长了2倍.6 percent annually over a period of four years.
• While the region’s reputation as a technology hub, relative to other cities observed, still holds somewhat true for small 企业, 实际上，小型建筑公司对旧金山小企业总收入增长的贡献最大.6 pp), with small high-tech services firms second (1.5 pp). Revenue growth contributions are net positive for restaurants (0.14 pp) and other professional services (0.43 pp).
• In San Francisco, the research found that organic growth firms, 哪些企业的特点是他们的目的是通过经营利润而不是利用外部融资来实现增长, experienced the largest revenue growth. 此外，在排名前5%的新公司中，超过70%是有机成长型公司.
• 整体, 女性拥有的公司第一年的收入中位数比男性拥有的公司低34%左右. 在每个大都市地区，女性创办的公司都比男性创办的公司小, though the size differential varied by location. In San Francisco, 女性拥有的公司第一年的收入为6.2万美元，而男性拥有的公司第一年的收入为9.4万美元.

Out-of-Pocket 医疗保健 支出旧金山湾区的医疗保健支出增长在全国名列前茅, exceeding a 10 percent increase from 2014-2017.

• 在追踪的23个州中，加州从2016年到2017年的支出水平增长最快. 2017年加州医疗保健支出的高速增长在不同的人口群体中都是如此.
• 加州支出最高的县往往是高收入县，而且位于沿海地区, especially in the Bay Area. The top three counties in terms of spending levels were Marin, San Francisco, and San Mateo, 从2014年到2017年，哪个国家的年均增长率超过10%.
• High-income groups generally tended to spend more on healthcare, 但值得注意的是，即使在高收入群体中，这些高收入县的支出增长也超过了23个州的支出增长.

Click here to read the report.