The failure of Tricolor, a car lender little known outside of its low-income customer base in a few US states, is a good moment to reflect on how modern banking works. Tricolor filed for bankruptcy on Wednesday, and is being probed by the US Justice Department over allegations of fraud. Thanks to the rise in so-called shadow banking, this mini-drama has maxi-implications for banks everywhere.
Tricolor 的倒閉——這家在美國少數州、在其低收入客戶群體之外鮮為人知的汽車貸款機構——正是反思現代銀行業運作方式的好時機。Tricolor 于周三申請破產，并因涉嫌欺詐正受到美國司法部(US Justice Department)的調查。隨著所謂“影子銀行”的興起，這出小小的戲碼卻對各地銀行產生了巨大的影響。
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