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1、ThesubprimemortgagecrisisTheU.S.subprimemortgagecrisissaysthesubprimecrisis,alsotranslatedintosubprimemortgagecrisis.ItisanoccurreneeintheUnitedStates,becausesubprimemortgagelendersbankruptcy,investmentfundsbeingcloseddown,stockmarketcausedviolentshakethefinancialstorm.Itcausesmajo
2、rglobalfinancialmarketliquidityshortageofcrisis.America's"thesubprimecrisis*1from2006springbegangraduallyrevealed.InAugust2007,startedacrosstheUnitedStates,theEuropeanUnionandJapanandothermajorworldfinancialmarkets.Thesubprimecrisishasnowbecomeoneofthehotissuesofinternational.ForAm
3、ericanfinancialcrises,generalattitudesareconsidered,thecrisisismainlycausedbythelackoffinancialregulatorysystem.TherootcauseofthecrisisintheUnitedStatesfornearlythirtyyearstospeeduptheimplementationofnewliberalismeconomicpolicy.Thenewliberalism,isasetoftraditionalliberalisminRenais
4、sanceideal.Inordertoreducegovernmentinterventionintheeconomyandsocietyforthemaineconomicpolicygoalstrend・Contentmainlyineludes：reducegovernmentinterventioninfinancialmarkets,pushingpromotingconsumption.withthehighconsumptionofeconomicpolicytopulltjehigh-growth.一、Topromoteeconomicgr
5、owthandencouragecrazyspending.Liberaleconomicstheoryhasalwaysattachedgreatimportsneetopromoteproductionandbyconsumptionofeconomicdevelopment.AdamSmithsays“consumptionistheonlyhomeandallproductionpurposes”.Theythinkluxuryconsumptiononthesurfacepromotedtheproduct!on.二、Socialimbalance
6、,thedistributionrelationshipmiddle-classincomesdecline.Nearlythirtyyears,Americansocietyexistsacuriousphenomenon,OnonesideistheU.S.civiliansdeficitspending,Ontheotherhand,thecommonpeople'sincomehasbeenatrendofdecline・Accordingtostatistics,afterdeductinginflationfactorlater,theAmeri
7、canaveragehourlywagewithonly35yearsago,andaflatformorethan30yearsoldman'sincomeisthesameage30yearsago,lowby12%.Bsonomicdevelopmenteffortsmoreinflowstothepocketsoftherich.ThisfordecadestheUnitedStatestheincomegapbetweenrichandpoorcontinuestoexpand.TheU.S.economyisdevelopingrapidly,b
8、utincomebutnogrowth三、thefi
