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 的倒闭——这家在美国少数州、在其低收入客户群体之外鲜为人知的汽车贷款机构——正是反思现代银行业运作方式的好时机。Tricolor 于周三申请破产，并因涉嫌欺诈正受到美国司法部(US Justice Department)的调查。随着所谓“影子银行”的兴起，这出小小的戏码却对各地银行产生了巨大的影响。
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