well, now there are a number of banks that have their own credit rating companies, every bank says go to that company, in fact, for example, give a series of documents to get your credit rating. the fact is that we do not use all the data available in the country at the governmental level. let's do it for validation, and this has caused that currently, not to mention now, until just a few months ago , only 30% of people who had a history of receiving facilities. by creating a task for all data generating devices to share this data with a credit database of this capacity. it allows us to use all the financial history of the entire country to validate individuals, and on the other hand, in fact, order and legally the process of establishing

validation companies, the process of monitoring validation companies, possibly canceling and revoking their licenses and dissolving them. i want to say that the legal process related to the validation companies is also being dictated by the law, at the level of the law, not at the level of the heat act. probably one of the things that the law foresees is the requirement of devices that have information, and so far this information is only it was with them. these were not shared and now probably, according to this law, they should make it available . it is correct, and at all, it is specified in the names of the institutions, the judiciary, the property and document registration organization, the customs , the tax affairs organization, all of these are specified in the law that obliges them to actually share their data, and if this if they don't do it , they will be subjected to a series of punishments, which means that it is a summary from my side. well, this has a very big technical introduction.

is the technical and software available or not ? we have to go and see for example one year, 2 years, 3 years, 5 years later, until they are aligned with this. there is, 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 , and this law actually confirmed the continuation of the same path as the credit database in my bank, which is the user of the result. these validations are on the other hand, the law says that validation companies are granted their license to supervise this company and discuss.

finally, the liquidation of these accreditation companies and the regulation of accreditation companies will come under the ministry of economy. the companies will be private . accreditation companies are generally everywhere in the world. this is the way that they don't have a shareholder, a group of people who are either companies or institutions that use this data or are producers of this data are involved. the shareholders of a validation company. now we have a validation company that is a collection of banks and insurance are its shareholders , but we can have many other validating companies that basically may not even use bank data for validating, even if we want to give a wide range of

people's mobile phone contact information, for example, there are companies in some countries that they rank the people , for example, this information of your contacts shows what groups of people we are interacting with, so i want to tell you that our mind is not only on the financial space, the validation category is too broad, then the problem is. it will not have privacy. oh, that side. in fact, the issue of the security of this information is subject to very serious rules. first of all, this information is solely for the purpose of producing it. in fact , it is the credit rating of people, and beyond that , there are a number of very heavy punishments for it in the law. and well , the establishment of the credit database in the central bank it is also ensuring the security of information , while this whole process is within the framework of the term law. known as the law of continuity, the law

of data management and national information, within the framework of that law, all this information sharing and use of this data can be done. what is the detailed framework of the implementation of the law? now, one of the issues is this one clause. yes, it is one clause. is the timing clear now or does it still need to be drafted in the entire law everywhere, wherever the regulations are supposed to be formulated? three months have been set for it, of course. well, that's a lot of roommate homework there is, really, because more than 30 regulations and recipes must be written and illustrated. reach the national financing council. the national financing 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 industry, civil trade, the head of the stock exchange, the head of the central insurance and the head of the

national development fund, these people should sit together. and they should actually compile and approve more than 30 manuals within 3 months, which i would like to say. it's a bit of a difficult task, but naturally, you have to prioritize the rules, the rules, the orders god willing, we will draft the various laws as the secretariat for the implementation of this law and approve it in the council. well, it means that the law does not provide for this, or there is no discussion about it. let's go to

first, pledging assets, in fact , assets that can be pledged, or banks , our collateral institutions. a property is accepted as collateral if we have a very serious variety of types of assets or income streams that can be collateralized, and it is being collateralized in many countries. one of the innovations of the law is precisely the expansion of the scope of documents, that is , we can present property and in fact different income streams as collateral . take your brand and brand name to assume employee termination bonus, continuous income streams, for example

, assume continuous benefit rights, subsidy, stock subsidy , various types of assets that come to your mind are mentioned in the law. that this can actually be sold as collateral so this is one phase, the next phase is that, well , we also have another problem, and that is if i took a loan, for example, for housing 10 years ago, with a repayment period of, for example, 12 years, and at that time, for example, let's assume that the price of the property was 150 million. for example, i borrowed a total of 50 million tomans. the property is mortgaged by the bank until i pay off my entire loan. this law is creating this capacity, in fact , it mandates the bailable institutions, i.e. banks, mainly, to release

the bail according to the payment of the details. it means that a share and percentage of the price of that property will remain and the rest is free, that is, if, then it can be bailed again. if the value of that property increases after 5 years, for example, three times in the same proportion, in fact, the bank must reduce the share in the bank's mortgage, the rest will be freed so that i can put the mortgage somewhere else, and this plan is not only in interaction with the bank, you see. i want to say again that our mind is not only on the side of the bank , many of our transactions are now selling in installments , for example, we have leasing companies that sell in installments. we even have other companies, for example, the store, in fact , many of them have parts for this work they do and often this is how they receive a check , if it is possible

to receive other types of collateral as collateral instead of a check, which is actually a payment instrument, not a guarantee instrument, the same things that i have mentioned, so this work for the field of documents is done to it greatly facilitates all these transactions in the economy and can fully develop the method of partial sales in the entire economy, both in the industry and in fact, in the production centers, as well as in the household and consumer needs of women.

how can i help you? we can have two hands of the same hairstyle, the same color, the same price. this is the same thing that came to sarai at this price.

today, the confrontation between contenders and rivals in the premier football league. the victory of liverpool and chelsea in the legacy of the continued support of the world's athletes to the palestinian people. in the name of allah, the most merciful, the most merciful, o allah, peace and blessings be upon muhammad and

the family of muhammad, and hasten their death. greetings and good times to you, dear and respected viewers. welcome to the news of the premier football league today, seven games will be followed. last night, golgohar was stopped against shams azar. in the first game of this week last night, golgohar sirjan reached a goalless draw with the guest of shams azer ghazvin. with this result golgohar and shams azer respectively with 36 and 35 points remained in the 6th and 7th places. the interesting point of this match was the talisman of golghari's shirt between the two halves. due to the closeness of the color of the teams' uniforms, at the request of the referee.

this season, the home of the premier football league has performed well, but the head coach of zoban, mohammad rabiei , has not won in the seven games he has played against esteghlal. the statistics are interesting for the media, those who do football analysis, but in football, two teams are together. they are playing. whoever is better wins the game. the other important game of the week starts at 18:00 at shahid vatani stadium in qaimshahr. nasaji press police, nasaji, which has now separated from the relegation zone , is counting on the points of this bloody game to stay away from the table

, and perspis is counting on the points of this bloody game because it went to ghaem shahr from esteghlal with all its strength and wants to get three points and wait for a slip. . esteghlal sepahan, the third team of the table, from 18:00, in the role of the host team, esteghlal khuzestaneh, is in danger of falling. another team from khuzestan is sanat naft abadane. talai poshan, with 16 points of the 16th team, their gap with the higher teams has increased, and to survive, they need to get three points from the novidaki team, which now they won't lose to egypt. khuzestan steel is a teammate that is not far from a dangerous area. who was sentenced to pay 2 billion tomans for his interview after the game against aluminum , he has to pay the heaviest fine in the history of the premier league , and what i said, i said come watch the games , guardiola also says this, mourinho also says this , angelotti also says this, that's all. i don't think they want to fine 10 billion this week in ahvaz , the host of tractor tabriz, we know the importance of the issue, we talked with the kids, we have a good focus

for this game of pikan and aluminum from 17:00 akbatan will go to the match, considering the events that are happening around us, we must be very focused so that we can make the most of our hosting. from 7:30 p.m. in anzali, tehrani fan hamidreza hejazi will be hosted by iran football league organization's radio and television agency . now the disciplinary committees and the federation plans to reduce these tensions by monitoring the remaining five weeks. in this regard, i am talking to the spokesperson of the football federation , mr. alavi. please say hello. in the name of god, i offer

greetings, courtesy and respect to his highness, your respected colleagues and dear viewers of this news section. allow me to inform you that before and after receiving this letter , a working group was actually formed in the football federation and based on that, the decisions that i am bringing to you through this platform to the people and football enthusiasts were made. in the first step, the issue of the executive regulations of the fan clubs of all the country's clubs it must be formed and the names and people confirmed. inform the federation that they will be completely stored in a related file and fan database. the second point

is the discussion of smart sales for the next season's ligo competition hosts, so that every person is placed in his seat in a smart way, and therefore this issue will bring more order in this regard, and the third point is the related equipment in sports. it is you who should be in the standard of holding premier league competitions and based on the requirements of the asian football conference. also coordination with the respected registration organization dear viewers, in the second discussion that i presented to you in the field of online blade sales, people should be placed in their respective seats, and god willing, i would like to convey this to you, mr. willow, that if these measures are not taken. the next league will be delayed and will not start. according to mr. alavi, you don't think that the news that you just gave will not be held next season. now let's have a more slogan aspect

. it will fall to tabrikh and until all those competitions start there is no guarantee for the implementation of this law immediately after the end of an executive discussion on this issue on a weekly basis. in the organization of the football league, with the seriousness that friends in the organization of the league have, they are planning the implementation issues , and i would like to point out that based on this regulation, from the next season , the premier league matches will be held in accordance with the rules and regulations of the asian football confederation. therefore, every lg gcl match will have the same and similar things, and god willing, this issue will be resolved, but let's go to club football in europe, a goal celebration. leverkusen in the bodes leagues, rome's stop against juve in serie a and liverpool's big-goal win in the premier league. in

the continuation of the thirty-sixth week of the english premier league, last night liverpool won against tottenham by 42 points and was in the third place with 78 points for liverpool in this game. salah robertson, khakbo, elliot golzan, and richal learson.

in the most important games, rome tied with juventus in the presence of sardar ezmoun for 28 minutes. lukaku for rome and bremer scored for juventus in this game. the fifth place was 60 points in another important game of milan against their guest, genoa was stopped with a draw of 3 and with 71 points. florenzi gabbia and giroud scored for milan in the second place. this week's games will end tonight with two matches, and salerno will play against atalanta and

udinese will play against napoli. in the final match of the 32nd week of the german bundesliga last night , in the most important game, bayer leverkusen, the early champion of the 5th season, played against eytracht frankfurt. defeated and valencia lost to alaves by one goal . the ipswich captain's support for palestine in the celebration of

promotion to the premier league is the latest action of football players in support of palestine. this move there was a lot of reflection in the media. with the continuation of the crime of the zionist regime in martyring the women and children of gaza, support for the oppressed palestinian people has increased in the world football community. in the latest action of the captain of the ipswich football team, after his team's promotion to the english premier league, the celebration of success. he has spent and always supported the people of palestine and gaza throughout his career in english teams . he previously criticized zinchenko , the ukrainian player of arsenal, and wrote to him that he cried for ukraine for two years, but never for the people.

in support of the palestinian people and the children of gaza in london arranged in this match, the team of world football stars, with the presence of players such as the people of gaza , was expelled from the german mainz team in response to the crime of israel, but the minister of foreign affairs of the zionist regime, jibril rajoub , the head of the palestinian football federation, due to his activities in the direction of the exclusion of the football team of the occupation of jerusalem

he threatened to be imprisoned in international competitions. rajab has recently repeatedly asked fifa and the international football community to ban israel from participating in the competitions due to the crimes of the zionist regime in gaza. our country continues to fight for the championship of asia in kazakhstan today to win the gold medal. he meets with the representative of uzbekistan. before this, soltani, malek khattabi, mohshari, sadri and khalilzadeh won bronze medals. disciplinary committee of esteghlal club for throwing laser light at its spectators in the game with shams azer ghazvin and sanat naft abadan, for insulting the official and throwing lasers at the fans in the game with

persepolis 100 million each. tomans fine and sailor bandar anzali was also fined 150 million tomans for throwing incendiary objects. in the most important games of the 20th week of the premier league today's handball, like kerman, the leader of the table, the guests of polymer khorramabade, geti pasand of isfahan and shahid shamli of kazron, the second and third teams of the table. they also go the distance and the spanish futsal team of palma in the final match of the european champions league last night with the presence of moslem olad qabad, its iranian player 5 , defeated barcelona and for the second year in a row, the championship trophy is on top of sard hossein tayibi, another legionnaire of this team, who is also absent due to his muslim status. thank you for your company.

in the name of allah, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful, the most merciful. azim haj ebrahimi officials and workers hajj and a group of pilgrims of baitullah al-haram met with the leader of the islamic revolution. in this meeting, ayatollah khamenei called this year's hajj a great pilgrimage and said that what is happening today in gaza is a great indicator that will remain in history and will show the way. this year our hajj is the hajj of barat.