Purpose

This paper aims to explain the de-risking phenomenon through Luhmann’s risk/danger model and demonstrate that de-risking should be facilitated and encouraged.

Design/methodology/approach

The paper applies Luhmann’s system theory and more specifically his risk/danger model to describe the de-risking phenomenon and identify recommendations to address its consequences.

Findings

The paper finds that re-defining risk and the anti-money laundering (AML)’s community’s understanding of it can support key stakeholders’ understanding of money laundering (ML) risk and the way to better address consequences of AML decisions.

Practical implications

The paper has implications for the banking and regulatory community in relation to the interpretation of de-risking. As systems aim to minimise their exposure to risk, they should not be prevented from de-risking.

Originality/value

This paper aims to move away from a narrative description of AML phenomena and presents a theoretical foundation for the analysis of ML risk. The current response to de-risking which demonises it and aims to prevent it is deconstructed through this theoretical lens.

中文翻译：

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重新思考去风险化：一种系统理论方法

目的

本文旨在通过 Luhmann 的风险/危险模型来解释去风险化现象，并证明应该促进和鼓励去风险化。

设计/方法/方法

本文应用 Luhmann 的系统理论，更具体地说是他的风险/危险模型来描述去风险现象并确定解决其后果的建议。

发现

该论文发现，重新定义风险和反洗钱 (AML) 社区对其的理解可以支持关键利益相关者对洗钱 (ML) 风险的理解以及更好地解决 AML 决策后果的方法。

实际影响

该文件对银行和监管界有关去风险化的解释具有影响。由于系统旨在最大限度地减少其面临的风险，因此不应阻止它们去风险化。

原创性/价值

本文旨在摆脱对 AML 现象的叙述性描述，并为分析 ML 风险提供理论基础。当前对去风险化的反应将它妖魔化并旨在防止它通过这个理论视角被解构。