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购房梦碎:美国年轻一代深陷财富困局
财富FORTUNE· 2025-12-03 13:08
买不起房这件事,在美国已经演变成了一场危机,让数百万美国人只能望房兴叹。2022年,美国房价的 中位数是家庭收入中位数的5.81倍,远高于2010年的4.52倍和1984年的3.57倍。而且这还没有算上保险 等也在同步上涨的相关成本。 李承亨和柳永根在论文中警告道,一旦买房看似成了一个不可能完成的任务,人们的行为就会发生变 化,从此不再努力攒钱交首付。而那些坚持买房梦的人,往往在生活中更加精打细算,在工作中也会更 倾向于努力奋斗。也就是说,决定买房与决定不买房的人的行为模式是有很大的不同的。 论文指出:"这些区别突显了希望的强大力量。如果你相信买房目标可以实现,那么你在一生之中,就 会去存钱,去努力工作,去进行理性的投资决策,这些都会对社会的长期贫富差距问题产生深远影 响。" 当今社会,很多人奋斗一辈子,就是为了有一天能拥有属于自己的房子。买房问题深刻影响着大多数人 的工作、消费和投资决策。但是现在,越来越多的美国人已经放弃了这个梦想。 根据美国西北大学的李承亨(音)和芝加哥大学的柳永根(音)本月初发表的一篇论文,美国的年轻一 代有的推迟了购房计划,还有越来越多的年轻人甚至根本放弃了购房梦。 到了40岁,很多 ...
碰撞“四投”智慧 共建创投生态——WeStart创业投资大会共话创新创业
Ke Ji Ri Bao· 2025-09-23 08:52
Group 1 - The core theme of the WeStart Entrepreneurship Investment Conference is the enhancement of China's innovation and entrepreneurship ecosystem, focusing on the "four investments": early-stage, small-scale, long-term, and hard technology investments [1][2] - The Chinese venture capital fundraising reached 780 billion yuan in the first half of the year, a 12% year-on-year increase, while the investment amount was 340 billion yuan, up 1.6% year-on-year [2] - Shanghai aims to become a global hub for technology innovation startups, promoting an efficient gathering of innovation elements and establishing a virtuous cycle of "technology-industry-finance" [3] Group 2 - Shanghai sees an average of 300 new startups daily and has 25,000 high-tech enterprises, contributing to the emergence of numerous unicorns and gazelle companies [4] - The transition of scientific achievements from "shelves" to "market" faces challenges, often referred to as the "valley of death" for tech startups, where issues like insufficient technology maturity and funding gaps arise [4] - The establishment of the WeStart Early Investment Alliance aims to gather resources and consensus to inject more early-stage funding into technology innovation [5]