关键词: 美国, 家庭住户债务, 资本主义生产和积累, 经济和政治矛盾

Abstract: Underlying the “high mass consumption”，which constitutes a stimulus to the US economic growth，is the “high household debt”. Workers have to borrow to pay the labor production costs，which is typically manifested in their purchase of daily living materials and payment of living expenses (including medical expenses) by credit cards，the purchase of housing by bottomclass workers families with subprime loans，and workingclass childrens payment of public highereducation expenses by loan. Among the various factors counteracting the law of declining average profit margins，“pushing wages below the labor force value” is the most significant one  In order to solve the problem of realizing the value of reproduction，ie the realization of surplus value，converting part of the necessary consumption fund of workers into the credit granted by capital has become a condition for the reproduction of capitalist relations of production Household debt has profound impact on the capitalist production and accumulation Because of debt，workers have to endure a higher rate of exploitation，which increases the production of surplus value Part of labor production costs is converted into capital interests Borrowing for consumption temporarily alleviates the difficulty of realizing surplus value in the field of circulation In the field of production，it further polarizes the distribution system As a result，the contradictions concerning overproduction and social tearing will be inevitable

Key words: the US, household debt, capitalist production and accumulation, economic and political contradictions