在对创业的浪漫化想象中,总是有天使投资人和风投基金的戏码。但实际上,一般的创业者更有可能需要靠自己的积蓄来资助自己的创业项目——而这对那些就业率低下、在经济大衰退前奏中走入职场的千禧一代来说,是负担不起的。
Funding from friends and family is the next most common source, but this personal network could not help much during the most recent economic downturn, when so much home equity was underwater. Student debt worsened the underlying economic problems.
其次常见的资金来源,是朋友和家人。但在最近这样的经济下行情况下,这样的个人关系网也帮不上太大的忙,毕竟现在很多房屋资产都自身难保。而学生的债务则让这些经济问题变得更严重了。
According to a report by the Federal Reserve Bank of New York, between 2004 and 2017, the number of student borrowers rose by 89 percent.
根据纽约联储银行的一份报道,从2004年到2017年,学生借款人的人数上升了89%。
Lately, though, it seems that even those who might typically have access to other forms of funding, like venture capital, are having a hard time getting investors' attention.
而最近,似乎就连那些有条件获取其他融资渠道的人也很难引起投资人的注意。
As Matt Krisiloff, a former director at the Y Combinator start-up accelerator in Silicon Valley said, "Start-ups are a lot less cool than they used to be."
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