Cultural education is the concept of college English culture teaching, and college English teaching is an effective way to implement the concept of cultural education. At present, there are still many problems in college English teaching, such as the lack of cultural education, single teaching objectives, lack of teaching strategies and imperfect evaluation system. In view of these problems, this article puts forward the research on the reform of college English education inspired by the cultural differences between China and the United States. First, this study was carried out to understand the differences between Chinese and American cultures and clarify the current situation of college English education. Then, the matrix-valued factor model is constructed to identify the feature vector of cultural differences, decompose the features of cultural differences, obtain the feature vector corresponding to the maximum feature value and predict the covariance matrix. The model effectively reduces the matrix dimension, greatly reduces the number of expected parameters, effectively prevents the accumulation of estimation errors and further clarifies the dependence between covariance matrix elements through coefficient analysis. Finally, the VaR identification model can predict the development trend of college English education reform. The experimental results show that this method can effectively improve college students’ English performance and teachers’ teaching quality and has wide applicability.