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中文摘要：
随着人类从农业社会演进到工业社会,人们的消费模式也经历了由＂节俭消费＂到＂借贷消费＂的发展变迁。借贷消费有利于扩大居民消费,拉动经济增长,但过度的借贷消费也会给经济和社会发展带来隐患甚至导致金融危机。就目前的中国而言,美国借贷消费的经验意义可能要远大于它的失败教训。中国消费的宏观调控目标应是扩大消费与可持续消费并举。
英文摘要：
Human beings begin to consume on credit instead of being ＂thrifty consumers＂ after they step into the industrial society from the agricultural society.Consumption on credit helps to stimulate economic growth by expanding consumption of the residents.However,excessive consumption on credit may pose potential threat to economic and social development,which may result in financial crisis.Judging from the current situation in China,what should be learned from American experience in terms of consumption on credit is much more important than its failures.The goal for China＇s macro-economic control in terms of consumption should be the realization of expanded and sustainable consumption at the same time.
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