In recent years,with the perfection of financial system,the debt economy develops in the United States.From the angle of functionally income distribution,in developed modern capitalism production system,with the promotion of organic composition of capital,production departments such as industrial manufacturers are difficult to produce high profit.From the angle of income distribution on scale,the income distribution degree of the inequality in the United States is deepened,which seriously restrict the further rise of consumption demand,and the contradiction between production and demand becomes more and more obvious.The development of debt economy not only increases the profitability of financial capital and industrial capital but also increases effective demand by enlarging credit,which is one of main countermeasures for the United States to deal with surplus crisis and economic stagnation.The process of capitalism accumulation depends on continually decreasing wages,however,economic ...更多growth and investment are supported by consumption based on wages.In this kind of economic system,the consumers who have low salary can not continue to support family debt burden.That surplus crisis is solved by the incentive of debt consumption is not a long-term method.