美国长时期以来实行新自由主义政策,为新危机的爆发和问题的出现埋下了极大的隐患。金融机构推出的较大风险产品和违规操作形成了不合理的金融秩序,带来金融风险。居民的借贷消费方式使家庭负债超出可支配收入,虚假的消费繁荣终会破灭而导致经济的衰退。经济的金融化使生产领域资本增长乏力甚至下降,各种情况最终导致资本主义基本矛盾的激化,最终引爆了金融危机和一系列的经济问题。本文试用中学知识来探究美国近几年经济问题产生的原因。 The neo-liberal policy pursued by the United States for a long time has laid a great potential danger for the outbreak of the new crisis and the emergence of problems. The larger risk products and illegal operations launched by financial institutions have created an unreasonable financial order and brought financial risks. Residents’ borrowing and spending patterns make the household’s liabilities exceed disposable income, and the false consumer boom will eventually burst, leading to the economic downturn. The financialization of the economy reduced or even reduced the capital growth in the field of production. Eventually, various situations led to the intensification of the fundamental contradictions of capitalism, which eventually detonated the financial crisis and a series of economic problems. This article attempts to explore the causes of the economic problems in the United States in recent years by using secondary knowledge.