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#risk-management

风险管理

识别和缓解业务风险（包括保险）的策略

206 篇博文查看所有标签返回所有帖子
阅读需 9 分钟

California's AI Transparency Act Is Now Live: What SB 942 Means for Your Generative AI Startup

California's AI Transparency Act (SB 942) became operative on August 2, 2026 after AB 853 pushed back its January start. Generative AI providers with more than one million monthly California visitors or users must offer a free detection tool with upload, URL and API intake, an optional visible label, and a mandatory latent watermark, revoke licenses within 96 hours of discovering tampering, and face $5,000 per violation per day. This guide covers who is a covered provider, the 2027 platform and 2028 capture-device phase-ins, a compliance checklist, and how to budget and book the program.

Mike Thrift

aicomplianceregulatory
阅读需 11 分钟

When Your Payroll Provider Fails to Deposit Your Taxes: Why the IRS Still Comes After You

If a payroll company withdraws your tax money and never deposits it, the employer still owes the full tax plus penalties. A payroll service provider or reporting agent assumes no liability, a Section 3504 agent shares it, and only an IRS-certified CPEO is solely liable for its work-site employees. This guide covers the Trust Fund Recovery Penalty that reaches owners personally, seven warning signs of a failing provider, and the monthly EFTPS verification habit that catches a missed deposit at a 2% penalty instead of 10%.

Mike Thrift

payrolltax-compliancewithholding
阅读需 10 分钟

Washington's Homeowner Recovery Program Is Live: How Contractors Should Reserve for Judgment Claims That No Longer Go Away

Since July 1, 2026, Washington homeowners can collect up to $25,000 of an unpaid contractor judgment from the state's Homeowner Recovery Program, after which L&I can pursue the contractor for reimbursement with interest on payment plans of up to 36 months. This guide explains the eligibility rules, the post-2024 bond levels of $30,000 general and $15,000 specialty, and how a residential contractor should log disputes, accrue probable losses under ASC 450, fund a separate cash reserve, and amortize a state repayment plan in a plain-text ledger.

Mike Thrift

constructionsmall-businessrisk-management
阅读需 1 分钟

2026年S-P条例：小型RIA和经纪商的事件响应、客户通知和记录保存检查清单

SEC修订后的S-P条例自2026年6月3日起适用于小型覆盖机构，要求制定书面事件响应计划，在知晓后30天内通知客户，并在72小时内上报服务提供商违规事件。为小型RIA、经纪商和过户代理人提供实用检查清单，涵盖通知决策、供应商监督、处置规则以及证明每一步的记录。

Mike Thrift

compliancesecurityincident-response
阅读需 1 分钟

小企业三单匹配：采购订单、收货单和发票控制，杜绝重复付款

三单匹配是在任何款项支付前，将采购订单、收货记录和供应商发票进行对比，从而发现重复账单、未经批准的价格上涨和短装发货。本指南向小企业展示如何通过明确的责任分工、逐行匹配、书面公差和实用的异常处理流程来实施这一控制——并说明何时采用两方匹配更为合适。

Mike Thrift

accounts-payablesmall-businessfraud-prevention
阅读需 1 分钟

在需要之前建立企业灾难清单：照片、固定资产登记册和IRS工作簿，加快保险理赔和税务减免

如何建立企业灾难清单，证明你所拥有物品的存在性、身份、价值和时间——固定资产登记册、带日期的库存报告、照片巡查和场外记录——加上首个72小时检查清单，以及IRS出版物584-B和表格4684如何处理意外损失和保险赔偿。

Mike Thrift

small-businessinsurancerisk-management
阅读需 1 分钟

2026年AI生成内容与版权：小企业实际能拥有、使用和承担什么风险

在达成15亿美元和解及最高法院重申人类作者身份要求之后，2026年的裁决将AI训练与AI输出分开：训练可以属于合理使用，但存储盗版副本不属于，而发布复制受保护作品内容的输出仍可能构成侵权。本指南说明小企业能拥有什么、面临什么风险，以及如何让AI辅助工作既站得住脚又可审计。

Mike Thrift

aicopyrightsmall-business
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