if you agree, mr. drodian, that the real rate that can now be financed from 36, which they themselves said, as a result , it is not reasonable on the rate of 23, now they say that we do not accept the rate of 23, you yourself should be 36. now look at the interest rate , i say the rate the interest rate must be equal to the expected inflation rate. what is the interest rate ? the real interest rate must be negative in the economy. i am not saying this. the economics literature says that the real interest rate must be zero. i said it must be negative. they said that the real interest rate must be zero. if the rate if you want to make the real interest zero, you must know the rate what does it mean that i, who am putting money in the bank , should not lose money when the interest rate, the inflation rate, is higher than the interest rate that the bank has for me.

it gives more, i am losing every year, that is, every year the purchasing power of the money i put in the bank is decreasing. your expected inflation rate should go above 40, 50, above 40 percent, so it means high interest rate . i want to tell you about other countries. i have brought 50 countries here for you to see. let me tell you the title. first of all, the central bank has a conflict of interest because it is both the bank interest rate reporter and its manager, so it always has a trick to report low rates, to say that the rates are low because the rates are high , finally it provokes protest. high interest rates lead more banks to bankruptcy than low interest rates. this is the experience of high real interest rates. the banking system is moving towards

the real interest rate. i say that the real interest rate should be zero. time to see if the real interest rate goes up until it becomes zero. there is no problem. look, i said that you are in an environment of uncertainty. it's not like that. see, you said that we should buy any product now. it will go up to 40. who said that we should buy any product that will go up to 40. first of all, it might get corrupted. it may disappear after inflation. the average price of the products i buy is 40. is it necessary for you to buy something that is indexed to the entire price index, which we don't have at all ? so it is risky. look, you buy any product in tabrun 40 , but you have a risk. do you have uncertainty about the risk-free interest rate? it goes more than inflation . assets are also risky. in a short period of time , look at how housing was in the last year, for example, in the short term, in the long term, there is no risk. in the long term, there is no risk at all. interest rate is not a tool. long-term interest rate control, ok, who said

this? if the interest rate is negative, the real interest rate is the engine of inflation in the long term. look, let me say this. look, we are saying that there is no money. for example, if the rate is low, people will measure savings. or people's lack of saving , that you and i should decide to save now in the bank or if we use it , there is no change in the resources in the hands of the banking network, nothing happens , but i can even argue in favor of the banking network in terms of. with the indebted governments, high interest rates have been someone's engine, that is, when it comes to raising interest rates to control inflation , the indebted government's debt rates go up, and then you see the deficit, which means that in the long term

, it has a short-term anti-inflationary effect. yes, but in the long term, it will again have an inflationary effect, which in iran will become usable deposits of the banking network. now, our government debt is not that high, although it is not a small number, but the usable deposits of our banking network are 80. it is something special in the world. it has recently decreased from 80 to a few years ago when it was 90. in fact, this itself becomes an engine of expansion, that is, high deposit interest rates become a force for expansion, so that even the author of the book top inflation about the exit. capital and discussion and this says that, sir, the persuasive interest rate for people who do not withdraw capital may be so high that it is better for you to accept the withdrawal of capital, that is, not to put your economy on the side effects of an interest that actually brings a lot of pressure. go to economy and business yes, if we had inflation , our average inflation 20 years ago, in the 80s, your inflation, with a boom in circulation, would mean good, so to say, sir, the inflation rate , the interest rate, for example, should stick to the inflation rate of this inflation that we have, high inflations, not in

iran, especially in in iran, everywhere in the world , high inflation is coupled with an atmosphere of pessimism about the economic performance of the real sector of performance. it will be disrupted, it will be destroyed. you can't say that because we have inflation at 40, so they expect that their income will necessarily go up by 40. when there is a body , interest rates cannot match the performance of the real sector of the economy. inflation conditions can be prescribed with prosperity to increase. see who the bank depositor said that he should not lose. bank depositor, unless your real wages are in the hands of the labor force, it's me and you compared to a few years ago . why hasn't our purchasing power decreased? less than the price has gone up , when has it come? this is our problem. we have to do something, sir. you say, sir, how much capacity does the economy have? now, i don't want to enter into this discussion with you, but you say that the purchasing power of power generation has decreased in our country. in pars next year

, inflation will be 20-40, so what does that mean, purchasing power has come below, you tell me that bank deposits are the same, why are bank deposits more colorful? you know, according to kane, depositors are called investors without characteristics. the reason i said depositing, not depositing , does not make any change in the resources of the banking network. you are now paid. true, if the government does not set the minimum wage , there is no minimum wage, the real hand in iran will fall more or rise more, if you don't have a minimum hand , it depends on the quality of the workforce, it depends on the other workforce, sir, what is the average now? stopped you for the employee, yes, yes, see exactly, there is a routine tradition in your company that they look to see how much the minimum wage has gone up, maybe it does not pay the minimum wage to its workforce, but the wage of its workforce is according to the same minimum wage, it says that the minimum wage has gone up by 20, you are twice as high as the minimum wage is 200 go

ahead, agree, bargaining is not like this at all. now, i'll give you an example of startups. you programmers have nothing to do with how much money goes up, it's not like this at all, it depends. the government's interference in the wage earner is different from its interference in the deposit no one can do anything else , that is, your deposit, when you went and put your money in the bank, or an old man , an old woman, a retired woman, who accepts a portfolio for a minute , i see the facility, i am an old man who

receives the facility, my risk portfolio is the way he puts his money in the bank, you are doing him wrong. let's find out that his blood is not more colorful, but his blood should be the same color as the others. you can't say, sir , that you give 20% of your money a year to the government , you can't say that i have the government, i set a price , i get 20% of your money every year , the government doesn't do this for the poor, it takes it for the poor. that it doesn't go down, yes, the rest is going down , we have to deal with the government's role in this coming down, the government is doing what it is doing, i told you , i am running away, i am going to the private side, look, this is another discussion, that is another discussion, we have politics, why is it another discussion, another discussion, look at us government policy, if we don't set the wage , the force in the public sector may ask for higher wages. look at it, ignore it . the wage that is set for the whole economy is now

government and privatized. politics with its involvement in the field of deposit and facility rates differently, here he says, sir, the rate is so high, the bank should pay so much, now that there is kenzin, james tobineh's article says, sir, the real interest rate is high, when the real interest rate is high, when the real interest rate is negative, the depositor gives money, when the real interest rate is positive , the depositor takes money. now, the receiver

is actually paying the high interest . this is the bottom of the game. you have a saver, a person who takes money from him, and he has money from you. now here i have brought 50 countries, these 50 countries are all different countries tushun is an emerging country, an underdeveloped country from argentina. it happened that after that the inflation rose sharply and reached double digits in your country

. look at the rates , how far they have raised the interest rates . no, don't touch the prices. this is a temporary thing. later , it will be depreciated and its effect will be reduced. that is, i went to the stick list. you are right. look, the division into two groups in the west is what they say. this is what they say, sir. this is a supply-side shock. the party is requesting support it can't be because this is temporary, two seasons, three seasons, the inflation rate will go up and then it will come back . it's not the result of this inflation . they said that this is temporary and so-and -so. sir, no, you are the basis of politics. it has increased so much because of corona , the situation is inflamed in terms of money, this

is gaining from the demand side , because they are gaining from the demand side . i would like to say that it is in america it became 5 from half a percent. well, how much was the inflation ? how far was the inflation from 34 to 34? as a result, we have to expand the money supply in iran .

you also have an asset in the speed of money circulation, when the supply of money is serious, it becomes a volume, which means the opposite of speed. what does the circulation of money mean ? it shows the asset market and other places where money goes. as a result, if you want to divide it, divide it, but it should be divided into the total of the last 30 years, 40 years, and 50 years of each country . you have to divide the market as much as possible commodities plus the asset market in the united states now has an asset market of 156 billion dollars.

banks pay the interest on the deposit, because the bank, when you raise the interest on the deposit, for example, the bank puts interest into the account of the depositor, it's not that the bank says sorry if it can't give interest, it's true , i promised 30%, but i can't give up, i didn't get it, no, that's okay. banks should pay for raising interest rates in the economy. the story is that when you put 5% on the rate of 55%, the deposit rate increases to 5% of the education rate.

there is a graph that says that the interest rate will go higher than a certain point, it is not the bank's income the bank goes up.

what does it mean? it means that you are not below the average . you are making a loss. why does it exactly mean that you are losing half of the economy ? we will go back to the rate you said . let's do it again , hey, when you put the rates, answer 363 , answer 23%, what answer do you give? 23, how much should

it be, 23, it should be 30, for example, an inflation, for example, around 40, 30, the rate in that discussion is that they say the banks are worse, do you agree? that we use, for example, the same 36 7 for formal education b what i am saying is that it worsens the situation of the banks . just watch the news in the last two days. look at the tv , which banks are saying 30. come on, people , we will give you 30. you will see bad banks, closed banks, and banks with deficits. this means that this is the tool that they are going to ride. why? because

it has a very severe deficit, it wants to take it like this, but in the long run, what will be the damage in the long run, that bank will be damaged and others will also be damaged because people don't go there, it has to advertise more, otherwise people will go to the bank better, of course, i have them all. i mean, i didn't say that good banks make money in this the following policies are beneficial, not necessarily , we have 6 minutes, 3 minutes, mr. al-husseini, you can sum up, i have 3 minutes for mr. durodian on this 36, on this difference, we should raise the education rate to something real, for example, the 36 that mr. durodian says, but the interest rate deposit 23 remains in the summation, you can see us with the rates of bahra. we messed up the balance of the economy . we don't care about the balance of the economy . we don't care if the person who is going to put money is at the bottom of the game. we should be careful about the person who is putting money. why should he save this money in rials? we are not paying attention to this. my point is that keeping

rials and dollars should be different, which means that we should actually pay a certain rate. let's tell the person who put his money in the bank that he can get that rate by buying the offer. the real sector will be closed with this policy. if you want to say, "i will take interest, i will prevent all foreign political risks, it means that the whole shutter of your economy will have to be burdened." to bear on the shoulders of the banking system means that he says, sir, you have to bear this political risk and the bank has to bear it . you believe that now the financing rate is 36. really give a lot, sir.

the rial and the dollar should not differ or have a slight difference, if

this settles, what people get is 36 400, what people get with preferential width is 28 and 500, not 47, which means what is happening to you, first of all, a huge rent. you created a massive corruption in the banking system.

it is very big in iran, as you know, about 70 percent of us is 1 percent deposit , why is it like this, now i will tell you the resources, you are the recipients of the facilities in iran, 55 percent of the total facilities , a thousand families, a thousand families, you have taken 55 lots, no, i told you to see, i told you the rate. education you have to go upstairs, this is private, you say, old woman, let me go to the court, we have a deposit , i want to come to the place where about the deposit, the deposit should also

go up according to the education . take it, take it up, it should be said behind the scenes, the deposit should be fertilized by this dissatisfaction, the bank is making profit, it is covering its previous losses, who is paying this , who is paying the bank's interest, the one who deposited the money in the bank, not why the one you have sir he gives 23%, which he is giving right now which is giving right now, okay, this difference is given by one, and you have to see the 303, which is declining, decreasing purchasing power, you have every two, a half , three minutes. which has increased, i am not saying the official interest rates, we are the ones reported by the central bank. he writes that in fact he is taking comfort in himself, not that the cost has ended in the market , it has gone up by order, because the government has implemented the balance sheet control policy and created credit

, but did not take care of who will receive this facility. when it is not enough, the government and the quasi-government and the bigots will take first, just as the leader said in his speech, this has caused the rate for the rest of the rate for that independent sector of the economy to increase, so we are now with a mandated increase. we are facing the rate compared to last year and 2 years ago . the government's policy will not go. our inflation has never gone above 50. it did not go to the worst year since 1999 , which is not worse. so now we have high interest rates. by the way, if we don't put the balance sheet control policy on the banks, let them educate themselves, you know that the rates will come lower, so now the government has given an order to raise the interest rates, let me tell you, look at the situation we are in, the interest rates are high enough to prevent the shocks of political shocks on property prices, that interest rate means destruction.

economic means that the economy enters a cycle of accumulation of losses and the inability to pay the interest on turkey's debt . the problem was the wide gap between the interest rates, which are going down at all. your erdogan changed his policy so that they don't reach the point of inflation again. how many people do we have a network at all?

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in the name of god, please accompany us with the news section at 16:00. the minister of labor cooperation and social welfare announced in a special interview that the amount of judicial security support will be deposited into the accounts of houses by the end of this year. according to mr. mortazavi , the houses can also use all the plans at the same time use support. if a family has two children, are both children included ? yes. are those who benefit from this plan?