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CIBN should be encouraged to set up private credit bureaus. creating a new legal framework for corporate governance and enhance business registration(CAMA); Some banks and their officials engage in various forms of malpractices either as a survival strategy or in order to enhance profits(An independent Financial Services Authority is needed to relieve the CBN of its bank oversight functions). Banks should de-emphasize on the use of land and property as collateral for loans and advances

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Q: What would you like to change about how service is delivered in Nigerian banks if given the opportunity?
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