right now, get 60% of gilna publishing resources as a gift by sending 5 to 30085 in the name of allah, rahman, raheem. hello, the cooperation of basij construction for urban regeneration in the renovation of worn-out fabric , the head of basij construction organization said that this organization is cooperating with iran's urban renewal company with a new practical initiative on the issue of housing construction in worn-out fabric . that is, those jihadi groups that are registered in the atlas system, have a legal account and appropriate technical qualifications. by doing this, they will find

it, all of this will be collected in each province, then these nobles will say that, sir, we have 5,000 points, out of these 500 points, maybe 285 points will be the group. hi jadi means the presence of a person, but according to haj hossein, a zip code becomes a zip code, that is , he knows how to recreate it with a group that has technical competence and has been confirmed by the manager. let's keep in mind that with the presence of jihadi groups, this is not far from reach, but it is my own opinion that , god willing, it is actually more than 200,000. this number

will pass and we will witness a new evolution in this sector, god willing. the head of the secretariat of the supreme council of the maritime industry says: three documents on the development of the sea-based economy, fleet renewal and fuel supply to vessels have been compiled and are awaiting review in this is the council meeting. the 10th meeting of the supreme council of marine industries was held in may last year with the presence of the president. from the last session. the supreme council of marine industries decided to follow up the provisions of the marine industries development law in that meeting a year ago. the most important reason was the issue of developing an economic and sea-oriented program. the discussion was about the fleet renewal program. and it was the document of the banking industry. contracts have been signed for the modernization of the naval fleet and the construction of various types of vessels. 5 ships with a capacity of 40. the technical specifications determine the ship's

price, how long it takes, and other issues god willing, we will specify this in the contracts. contracts that can directly and indirectly create employment for at least 20,000 people with the construction of each vessel. 2,630 people are working in this complex. of course, this capacity can be increased very much. we are ready to employ up to 10,000 human resources in this complex if more work is entrusted to us, as this infrastructure exists. now the follow-up and review of the implementation of the approvals is pending the meeting of the supreme council of marine industries in the new year. the time is not yet known we are waiting for the announcement. according to the announcement of this council, in order to modernize the naval fleet, it is necessary to build and supply 4,000 vessels. it is medium-large, which

requires an investment of 13 billion dollars. safari sedava sima news agency, the preferred shares of the workers were registered in their name. the policy was actually the allocation of preferred shares. 5% of the shares of the companies that are on the transfer list are in the names of the workers and employees of experienced managers in the companies listed on the list of transfer on the government's serious agenda. it was the thirteenth. mr. bazian noted that since the beginning of the 13th government, more than 305 million shares of the government in 10 companies have been transferred to 308 working and retired workers. has been assigned

the vice president of new technologies of the central bank said: "kazwarsi bank, as the first bank, uses electronic checks of other banks with banking tools." he criticizes in person and electronically. mr. mohramian emphasized that the technical infrastructure has been provided to provide this service to customers in the entire banking network . november 1401 central bank unveiling electronic check. it was supposed to be an electronic check of attendance minimize customers in branches. please , the cost is actually for the customer to travel to and from the branch, as well as saving the customer's time , a lot is really done in this digital check, but it cannot be drawn, which cannot be verified. why does it mean that it can be drawn? how is the electronic map registered in the system

? it has a number with the national code . how do you bring the physics to us? well, now it's electronic , everything has to be sent to us. basically, we announce the cases to the banking network and the training actually takes place inside the banking network we are persistent, in fact , we are following up through the banking network. in most of the meetings we have , digital checks are one of the important topics that are raised. despite this issue, which is gradually being resolved, both the issuance and cashing of electronic checks were supposed to be non-personal, but as the officials of the central bank say, except for one bank , the rest of the banks only collect their own bank checks non-personally. agricultural bank as

the first bank has just started operations and tejarat bank soon, god willing, it will be in the testing stages and it will be operational, in other words, the technical infrastructure for this event has been provided for the entire banking network. banks are joining this plan one by one. according to the latest statistics of the central bank, 225,000 electronic checks have been issued so far, and all checks are supposed to be electronic by the end of the third plan, i.e. 2016. rizvan basfa, radio and television news agency. stay with us.

on the other side of the table, in the eyes of a martyr. in the name of allah , the most merciful, the most merciful. greetings, dear compatriots, ladies and gentlemen. welcome to the first row. last week, in the last days of last week, the financing law

production and infrastructure, which was approved last year , was approved. this law is one of the moves of the executive forces to help start the production wheel in the country, which was an effort that started last year , and now my help is coming to fruition. now it has reached the stage of legislation and we can expect that it will receive its works and blessings in this year i.e. 1403. let's see, on this occasion, tonight 's first page program is hosted by mr. rouhani , the honorable deputy for economic policy of the ministry of economic affairs and finance. i say hello again , mr. rouhani.

your excellency and dear viewers, we are at your service . be healthy, mr. rouhani. first, when we say financing, this term is a financial management term. it may not be understandable for the general public , let's talk about financing in simple language, then tell us what this law basically is, i think it is financing. it doesn't need much definition, because basically, all people , whether consumers or producers , say about it completely, in short, they believe , it doesn't need much scientific definition, what is used in almost all acquisitions of needs, whether for companies or for households and consumers, usually in there is real dispossession and they can't that is, in fact, the resources that we

need in order to be able to purchase a product, start a production line, or for example, let's assume that we make an investment, this is the concept of financing, and there are many methods and tools. sour but simple technical language is actually the concept. more technical or specialized financial provision and simple language for the people to say what you said, well, it's true that every family is involved in financing, but the family usually can do this through working and looking for financial resources. and making money in simple language, but well , there are other tools that families are involved in, such as borrowing, borrowing in any way and other methods, which, of course, in the financial management of companies and

devices, the meaning of this financing is a little wider and so on. which you also mentioned has different tools, including the sale of bonds, which includes islamic securities. also , there are different methods of attracting public participation, such as debt-based methods or capital-based methods and issuing shares. we are talking about a law, production and infrastructure financing law what is the need for this law, except until now , the institutions and companies have had problems financing me. let me tell you a little bit about the historical history of this law. in fact, a number of representatives , especially in the production jump commission, are concerned about removing obstacles

to financing in different areas, whether in the market and capital, discussing tax incentives and foreign investment in different sectors, or even the removal of financial institutions, for example. validation issue or tezmin funds, which one now i am going to give you an explanation of these scattered concerns of the prak issues. well , it was raised from the beginning , meetings were held in the commission with the authorizing apparatus, and this actually gradually led to a law that included a set of rules to remove the obstacles to providing different types of financing. we had a set of obstacles in the capital market. suppose the area of ​​the capital raising process of companies. we had a series of taxes that interfered with the functioning of some institutions in the capital market or, for example

, we had removed a series of institutions in the field of investment. apart from the fact that agencies or operations can express and, for example, introduce our opportunities to provide information, well, until now there was no legal obligation. in this field, a serious infrastructure is happening in terms of the law in the field of validation of institutions and institutions, we have a guarantee that which was one of the serious creations of our financial system. banks, which are a main financial institution in the country's economy, usually accept certain documents, the so-called sahl al-bir, to provide facilities. however, many idea owners and entrepreneurs basically have access to these real estate documents they don't have what the bank wants, but they have creative ideas that can work. we need intermediate institutions that can first determine the qualifications of people, whether this idea

is a good idea, whether it can be profitable or not, and then they can accept assets other than what is generally considered as collateral and guarantee. to issue those guarantees that the bank will accept, in fact, a specialized institution that acts as an intermediary between economic operators and banks. to be able to translate the language of these two to each other, well, it is being created in this law and another issue the law has a very serious organization in it. there is an institution of confirmation and pledge, which , well, there was a lot of money in it , limited assets can now be put or accepted by the pledge institution , we have developed the scope of the documents, different types of assets can be pledged according to the law or discussion.

the release of the documents that now we can see each of the reports, prepare them. and let's go back to your explanation. this is one of the 6,000 factories that were reopened in the 13th government. the problems must be solved. one is a management problem, and the other is the factory's liquidity problem. those who may have different reasons for closure , but one reason is always raised as an obstacle to production. the problem of criticism is really bothering us and taking away our production power. one of our biggest problems is financing. i know many producers who broke down due to financial problems and working capital. in order to improve the financing problem of bungalows, the parliament passed a law last year, which has now been announced for implementation. production and

infrastructure financing law. production and infrastructure financing law is a set of rulings. very useful to facilitate financing either through bank financing or the capital market, financing from foreign investment and financing related to the country's infrastructure. now, after about 10 years, with this law , the possibility of direct investment by banks in infrastructure projects is provided in this law, while paying attention to the fact that the banks should not give permission to invest in the infrastructure , they actually invest and hand over to the banks. also, this law has simplified the preparations for receiving bank loans by facilitating bank vehicles. guarantee institutions are specialized institutions which are formed according to this law. a variety of assets can be received as collateral to guarantee the recipient's education and by

criminalizing the requirement to implement the validation system has strengthened. power sub-category entities, in fact , the executive branch of the customs tax, banks, all of them are obliged to provide the information required by the credit database, which will be located in the central bank. any of the suppliers, if they refuse their duties, will be subject to a series of punishments. they are punished with 6th grade imprisonment direct the country's liquidity of more than 7 trillion tomans more towards production. sara fazli of sada and sima news agency . you can see the program on the first page, which is hosted by mr. rouhani, the honorable deputy minister of economic affairs and finance, mr.

rouhani. we are talking about the financing law. in short, i will tell you the name. the beginning of one of the things that you said is seen in this law, the development of the validation system, open this, which means what is going to happen, see in a sample form , we are to reduce the risks of financial interactions between all people, basically independent of the banking network, independent of anyone. who wants to get education, both people who are doing a deal with each other , it is important for them which side. how trustworthy is he in front of them and if i am selling a property to him and i am supposed to receive the value of the property in three installments, will he default in the second and third installments, will he be dishonest or not , as his previous financial records have shown. who is a good person, i naturally

like to do business with people who are good people and so called financial credit. they are high, well, we have a detailed history of financial interactions of all people, each of us is probably one we may have taken a loan from the bank and we are paying installments, or finally a transaction of a car, i don't know , we traded a motorcycle, an asset, or we bought household appliances in installments from a company or from the other side, i don't know, for example , a risky behavior in we are driving, or god forbid, we may have financial legal problems , we may have bounced checks, and these all become financial records of people and these financial records of him. a financial rating and a financial report about me can be extracted from it, and that financial report is available to anyone who wants to enter into a relationship with me. it can be negotiated. if i am

a tenant, my landlord would like to rent his house to someone who is willing to pay the rent, or if i am a tenant, i would like to rent a house from a landlord who can get the deposit back on time when i want. give it to me. therefore, every transaction that people have with each other, every financial interaction that people have with each other, they like to know the other side. validation provides this capacity for all people who can receive their credit status and financial credit regarding the persons they are dealing with. understand what it actually ranks financially and they should choose to enter into a deal with it or not. that is, for example, in one case it is said that mr. this person. he is also the same person who can pledge a show and you can trust him, exactly, exactly, the owner of the transaction, for example, or

the payment, and he does not give a check. it will really be useful for ordinary people in the streets as much as what you say. i presented these examples precisely because our imagination it should not be that accreditation is just a concept that is useful for getting an education from the bank. basically , it is not like that. one of its uses is that if i go to the bank and apply for education, it will tell me to go and get accredited, and then i will decide to give you the loan or not, but this it is one of its uses, of course, if it was my only use, it would be a very big story, and it could help all these arrears that we have now, not to say that they will all reach zero, but to. it will be less. exactly what kind of situation did we have in the validation institution? well, now there are a number of banks that have their own validation companies. every bank says go to that company, in fact, for example

, give a series of documents to get a credit rating . the fact is that we do not use all the data available in the country at the governmental level for validation, and this has caused us not to say now. present until just a few months ago practically maximum. 30% of people who had a history of receiving facilities can only be accredited, and people who are newly entering the economic environment and have no history of receiving education basically do not have any credit rating. for all the data generating devices that share this data with the credit database, it provides the capacity to use all the financial history of the entire country to validate people and on the other hand, it actually gives order and order in terms of legal. the process of establishing a validation company, the process of monitoring

validation companies, possibly canceling and revoking their license and liquidation, i want to sum up the legal process related to validation companies. hit is probably one of the cases that the law provides for the requirement of devices that information they have and until now this information was only with them, it is not shared, and now they probably have to provide it according to this law . it is correct and it is specified in the names of the institutions, the judiciary, the property registration organization, the customs, the tax affairs organization, and everyone. these are stipulated in the law that they are required to actually share their data, and if they do not do this , they will be subject to a set of punishments, that is, it is on my side , so this has a very big technical introduction . now we have to go to see, for example, one year, two years, three years

it may take 5 years for them to be aligned with this. look at the technical infrastructure, but it is more than now . i would like to say that it was not based on the law, that is , it did not have a solid legal basis. the credit database was created in the central bank. this law is actually a continuation of that path. it has a seal of approval that the credit database is located in the central bank, but the data that is being installed there is not only bank data. they are not insurance companies, i said individuals of the people themselves can be the users of the results of these validations. on the other hand , the law says that the accreditation companies will be granted their license to monitor this company and discuss the cancellation and liquidation process. the economy will be

in charge of creating supervision and finally liquidating these validation companies, the regulation of the field of validation companies will be in the ministry of economy , will the companies be private? validation companies , generally, everywhere in the world , do not have a single shareholder, a set of people or companies or institutions that use this data. are they or are the producers of this data? they are the shareholders of a credit company. now we have a validation company that is owned by a group of banks and insurance companies, but we can have many other validation companies that basically may not even use bank data for validation, even if we ask for more . for example, here are some examples. let's take a look at the information of people's mobile phone calls

, there are companies in some countries. they rank the people, for example, this information of your contacts shows which class you belong to. we are interacting with you, so i want to tell you that our mind is not only on the financial space , the validation category is very broad, then there will be no privacy issue. ah, that side is actually the issue of the security of this information. this information is for production purposes only. in fact, it is the credit rating of people, and beyond that , there are a number of very heavy punishments for him in the law, and the establishment of a credit database in the central bank also ensures the security of information , while this whole process is in the framework of the law known as the continuous law of the law of data management and national information within

the framework of that law, all of this sharing. you have the information and the use of this data can be done . well, that is also a detailed framework . what is the timing of the implementation of the law? now it is one of the issues . this is a clause. yes, it is a clause. is the timing clear now or should it be in the whole law, everywhere, anywhere? the regulations and the preliminary instructions are supposed to be compiled, and 3 months have been given for it, which of course is a lot of work for the chamberlain, because more than 30 regulations and instructions must be written and approved by the national financing council. the national financial security council also consists of the minister of economy as the head of the council, the head of the central bank, the head of the planning organization, the minister of civil industry , the head of the stock exchange organization, the head of the central insurance and the head of the national development fund. these people should sit together and more than 30

he has left the recipe in container 3. now, let me tell you that let's move on to the next topic of discussion on documents in the law.