The complexity of banking risk governance decisions

Abstract

Banking law is increasingly subject to a many regulations, making it complicated for intermediaries to navigate through them. Compliance costs often become a significant problem, especially when the principle of proportionality is disregarded. Therefore, more organized and coherent regulatory interventions would be desirable.

However, these aspects impact the need to avoid cumbersome, conflicting, and overly abundant interventions.

Complexity carries a different meaning: it encompasses plural and dynamic interests that require protection.

The multiform reality in which banks operate represents not a limitation but rather a testament to the relevance of their very activity and a place where fundamental rights find their protection, and their complex solutions are "spectacular evolutions," indispensable for better safeguarding.