To understand the nature of the problem between the Central Bank and other banking institutions, we have to acknowledge that financial services companies have the capacity to manipulate the rules and regulations set forth by the Central Bank. All banking institutions have professionals who can find loopholes and bend the rules and regulations to allow them to continue to give loans.
The rules, regulations and conditions set forth by the Central Bank contain wordings that, if changed, misinterpreted or bent, can reverse the original meaning intended by the Central Bank. Thus, banking institutions have resorted to hiring teams of lawyers and linguists to search for such loopholes in order to "legally" break the rules. These measures are intended to find ways to facilitate loans for clients.