Collaboration between commercial and central banks regarding fear of legal or administrative sanctions or altruism. The central bank provides information and other services to achieve its goals, which create collusion between commercial banks. It is about the use of coercion or informal moral coercion by the Central Bank of commercial banks to implement credit policy. For example, the Central Bank may require commercial banks to stop lending for unproductive purposes, which could lead to higher inflation and do not benefit economic growth. The Central Bank instructs commercial banks to take certain actions and measures in certain areas of economic development.
Remember: The process of learning a person lasts a lifetime. The value of the same knowledge for different people may be different, it is determined by their individual characteristics and needs. Therefore, knowledge is always needed at any age and position.