摘要

2008年美国金融危机对全世界来说无疑是一场金融地震，这场金融地震对全球经济造成巨大影响。这次危机不仅造成全球经济的巨大衰退，而且对人们的消费行为和消费方式产生巨大影响。而引发此次金融危机的次贷危机自然成了人们关注的焦点。对于次贷危机的原因很多学者都做了大量的研究，然而很少有人从文化角度去分析次贷危机产生的根本原因。
    本文以美国次贷危机为突破口，通过对次贷危机的解析来比较分析中美消费文化的不同。文章首先通过对文化的回顾让人们了解消费文化的内涵。然后通过次贷危机的介绍让我们了解次贷危机的背景。并对次贷危机进行分析，分析次贷危机产生的消费文化因素。通过比较发现中美消费文化差异。美国实行信用消费，主张超前消费，并由此产生了分期付款等重要的消费方式。而由此也造成享乐主义盛行等。而中国由于传统文化等因素的影响，实行储蓄消费，即先储蓄后消费，并进行预防性储蓄以应对未来不确定性。
本文不仅是对中美消费文化比较文献的补充，同时也给读者提供一个全新的视角去看待美国的次贷危机，探究次贷危机产生的原因。

关键词：次贷危机，消费文化，超前消费，储蓄消费

Abstract

The U.S. financial crisis is a great financial earthquake to the whole world in 2008. This financial earthquake has an immense influence to the global economy. This crisis not only caused a great recession to the global economy but also made a strong impact on people’s consumption behaviors and consumption patterns. So, the subprime crisis, which caused the financial crisis, has become the focus to many researchers. There are many researchers try their best to study the reasons of the subprime crisis, but few people attempt to research the origin from the point of consumer culture.
This thesis will compare and analyze the different consumer culture between the Chinese and American from the point of U.S. subprime crisis. First, the thesis will review the cultures to let people recognize the connotation of the culture. Then, the thesis will introduce the something about the subprime crisis to let people know the background of the subprime crisis. And analyze the subprime crisis to find the culture factors. According to compare, the thesis will find the difference between the Chinese and American. American people like to credit consumption and advocate pre-mature consumption and create the installment. This ways of consumption also lead to hedonism. But in china, people will save first and then consume by the tradition of Chinese culture. People will also have precautionary savings to avert some uncertainty crisis.
The thesis will be not only a supplement to the literature on the different consumer culture of Chinese and American but also give the reader a new view to look this subprime crisis.

Key words: subprime crisis, consumer culture, pre-mature consumption, saving consumption