today, i was talking about the same issue somewhere in mashhad, that we have 9 banks among the 30 banks in mashhad today that are collecting people's assets and that they are collecting people's deposits, basically no. they announce how much they were able to collect the deposits, of course, we estimate that they are collecting about 12 of these deposits, and none of them answer to whom they are paying these deposits. we have a system in relation to banks, where basically there is no type of supervision regarding banks no, i'm telling you, now in khorasan, exactly 12 % of deposits are being made in these 9 banks, none of them give statistics on who they pay their deposits to. dr. farzin

, we had him give orders . it has been more than several months since i gave this order, mr. abolhasani. i sat down and had a meeting with him asking him to report why 9 banks are collecting people's deposits. which comes up where i say now , let me talk about this because it becomes a case has been mentioned in the main commission . i am announcing today that i am giving a warning today . have you filed a case with the article 90 commission for the marriage loan? mr. pajmanfar. yes , we have filed this case in the article 90 commission. the legislator means that the parliament is imposing the duty of the chamber on the banks , which means that the bank of the parliament is saying that you should come more than you can, so that the corrections can be made. we

prove that this task is not the responsibility of the room manager, it is the same power that the banks have, and in fact, if we go let's talk about the facilities of these, let's calculate that in relation to the deposits that are made in the form of good loans and there are current ones, in fact , these deposits must be returned in connection with these things that are specified in the law, which i will now go through the law. i will not read to you that according to priority, marriage loan , childbearing loan, housing loan. and the rest of the loans that exist in this matter, we have to pay them, so the first issue is the discussion of clarification , until we have clarification in relation to the banks, these corruptions will take place. i will do this let me tell you one thing, then mr. nad ali will explain, you see , we will reach a bank that will exceed its capacity at some point.

they invest corruptly and the result is widespread poverty. how many percent of the poverty today and the value of our national currency was formed by one of these private banks ? it happens, after all, this is one of the same banks that today's license is that they did not do this in connection with this issue , they were warned by the future bank. thank you very much sir mr. pajam, stay with us, mr. nadali , will you answer the explanations and points mentioned by mr. pajam , let's make a distinction, see the education provided by the banks, this is not the subject of our discussion. and on the other hand , the loan facility provided by the banks in the form of savings is now effective.

2 qarz al-hasna banks, most of the sources of qarz al-hasna , which were previously in the banking network, went to the two banks qarz al-hasna, mehr and resalat, which last year, even in the islamic council, refused to pay the roof. children's marriages were exempted, so the resources that are being mobilized in banks under the title of qarz al-hasna, the growth has not been very high . most of the loans have gone to two banks, which are placed in qarz al-hasna banks. he says that he expects to receive the installments, so he takes the money to qarz al-hasna bank to get a loan for qarz al-hasna. besides this, we have the law. the law says that the sources of the loan are savings plus current, the tradition is actually the matters before al-hasna, the marriage of the children. well, mr. pezmanfar says that if this is a let's do a calculation, you are declaring more than what you have it can completely meet the needs of 300,000 people . let's assume that it is 800,000 billion tomans.

i told you that this 800,000 billion tomans is not in the bank account . i left a deposit from the bank . you know that the law has not been followed , and if the law is followed, it will be more than that. these resources that we can imagine can be borrowed from twice

to 7% of the current loan resources, and in fact, he used to do homework, now that percentage has actually been taken away. let the banks reduce their resource allocation rates find so that they can get a 23% relief , this is the discussion you are raising now, it is completely contradictory to the discussion that we say they don't have resources, after all , do they have resources or not, the resources of qarz al-hassan and sufficient savings will make this amount fall to zero, but

the banks have these resources i want to tell you that most of the banks have a negative current account . what does it mean that the money in the balance is changed? this year's current account has become 20. that means 20 have been added. then, in fact, that discussion.

it means legislators who are parliamentarians together with the central bank, which is the executive, they arranged the conditions that despite the 66 increase of 66, the loan amount of resources remains constant and there is a queue, which means a very obvious result of this action of you and me. it was the parliament that we have seen now, so we are talking about how many resources were there, which we know were few, the resources we should have, we could have had more resources, this has a mathematical logic, well, one point because you mentioned that the honorable members of the parliament should have this number. mr. pajmanfar added to this correspondence, mr. nadali also

pointed out that it was your decision to increase this ceiling , now that it is at least, but why the number it has increased, meaning the amount of the loan, but the ceiling that has to be paid has not increased. of course, look at this correspondence, which i have not received, but at the same time, let me state this issue. basically , the resolution of the parliament was related to the issue of 300 hemat, not the resolution of 200 hemat, while this is mentioned as the minimum, that is, now. my question to mr. dr. nader ali is that if you come and give more facilities than this, someone will stop you. he tells you that you acted against the law. i am surprised to see that this number was 300 at least 300 gentlemen, going to consult, turn this into 200 efforts, then the legislator there said that at least

we should pay this floor, that is, if you make 300 of these 200 efforts, we say, god , forgive your father, someone will consider you as a violator of the implementation of someone's law. does not introduce the problem is to see if you track him, do n't give a change of address, the problem is whether the sources of deposits in banks are current. whether or not there is an answer to this issue in the form of a loan, whether the banks will be offered an impossible task . they say that these are our banks, none of these , these numbers are not in the banks, that 's what the bank means, that is, these numbers are constantly coming and going , how do you count the money that is gone? but we do not count the return of this money. let me tell you that all our respected viewers

are witnesses. among the best accounts where the money is returned carefully and the least violation is done there and the money is returned with the speed, there are accounts that can be clearly stated that education, marriage , having children, etc. it is given and therefore i ask. both this is to report the issue to us in a fully reported space. i am giving you a clear answer to this rome issue. i say that if you want to pay more than 200, you don't have any kind of restriction, but you are allowed to pay at least this amount according to the law. so you can do this. so there is no need for an answer letter. tell the people, sir, that we have written a letter to the parliament. go to your parliament and approve that we want to do 300 of these 200 efforts, mr. majlis, who

said from the beginning, give 300 efforts. give this amount, so i am asking for this issue . this is a bit of an insult to the people that we are not doing this because it is not clear to us. this is clear. the second issue is whether you have the ability to do this. do you have it or not? i have a servant, i am telling you, as someone who is completely aristocracy with these numbers, you now have the ability to deposit. meanwhile, as you say, we took all the resources of qarz al-hasna and placed them in two banks. if this exists, therefore, you should not have a loan account in any bank other than these two al-hasna, mr. nad ali , please tell me, do we not have a loan account in any of the other banks? in my opinion , mr. p., we should ask you for inaccurate addresses. the reports that have reached you

indicate that it is possible for the bank and the central bank to pay more than what they are announcing now . we can make a promise to publish the reports you have. let's all see and know if something like this can be done our effort is that it should be presented in a completely serious atmosphere. let's tell the issues to our friends, bring the documents, and in an atmosphere of complete understanding, i have these numbers in front of my desk to read to you, and finally, if you assume that the central bank will announce that i have a dispute with these numbers, this is the result. it will be useless to go back and forth, but we will definitely invite the central bank in the next few weeks, and we will

have our own experts in connection with this issue together with friends to explain that this i have the capacity i would like to emphasize again that the capacity of loan deposits and current loans that we have in all our banks in the country today, from state banks and private banks, is at least the answer to the 300 efforts that the parliament had from the beginning. meeting, as you know, only the chairman of the original commission has been elected in the public arena, we still have a board of directors because the members of some commissions have not been nominated, we do not have a board of directors elected , god willing, next week, the board of directors and conflicts related to the discussion of the ministers will be discussed. we have among the cases that will be presented in the first few weeks, god willing

we will take care and have the report and we invite sedasima to broadcast this program live in connection with this issue . you, mr. pajam, chairman of the 9th commission of the islamic council, mr. our communication with mr. motaqeferam was established by the general director of youth social development of the ministry of youth sports, mr. motaqefer. please tell me that up to now we have talked about the sources in your presence , but both in ms. basfa's report and in their own explanations, what people refer to in the process register. and in guaranteeing, people are facing challenges. do you have reports like this, can you tell the viewers? yes , peace be upon you and god's mercy, thank you for this issue that has really become a problem

for our dear youth in the last few weeks and in the last one or two months. now, i will not enter into this discussion of credit and other things, because my dears explained in a very complete and comprehensive way the part that is not usually discussed, the first point of the system discussion. in general, the central bank system has a lot of problems in registering marriage loans and child bearing loans, and now we have many complaints that the system does not allow registration at all. even from friends , that is, our dear young people can't register through cafes. this is the first point. the second point is about not following the guarantee law, which we have been pursuing for a year or two now, but unfortunately, it has not been successful.

well , this is happening all over the country in a completely tasteful way. you can watch it for the viewers. last year, the honorable president of central bank notifying all banks that they can only accept one guarantor for a marriage loan , but now we are witnessing, for example, in a city in ilane province, one of the branches of tejarat aziz bank approached us and told him to bring three guarantors. who must be an employee. he should have a check and have a lot of salary . i am asking you now . how can a person who lives in a small town in ilam province get three guarantors, who is an employee, has a check, and has a salary ? for example, let him take a loan for his marriage this is an example that i am presenting to you

. perhaps thousands of complaints have been registered. i am asking the friends of the central bank to really check that part of their complaints. thank you very much for your explanation , mr. mottabi. i would like to make a third point . if you make it short, i will be free to answer. another rule that must be followed is that the referral to the branch must be made within the prescribed time of two weeks. it happens to the branch and after completing the documents for one month, the loan must be deposited, but unfortunately this will not happen now, and i would like to request that at least the system department and the referral department to the azizan branch, god willing , will follow the law so that we do not face a confusion in

receiving the roof . the ministry of sports and youth, who was with us in this conversation, mr. please see your answer for clarity. i would like to say two or three things. first, we welcome transparency. this is the issue of marriage. look at these amounts . our estimate shows that 800,000 billion tomans of resources are needed. what the banks can afford now is more than 300,000 billion. there is no money for this now we will go to the commission of the relevant commissions of the parliament

, god willing, it will be clear, my dear people will be informed, so the ability of the banks is not more than this in our opinion. two, considering the current situation, the number of applicants who could not register and are subject to loans, and those who are remarried, in fact, they refer to the system, something around 4 thousand people by 5 banks every day. in fact, it opens in different provinces and it is possible to register, but there are many people who come to register. yes , so we also accept some registration there is a problem because the capacities that have been registered and the money that has been paid now add up to 220,000. therefore, we are in the process of consulting to reduce the number of pages and to improve the possibility of registration. this is an issue regarding the guarantor. according to the validation law, banks

validate the individual and the guarantor. if a person has a high credit rating, i am a guarantor of his credit rating, but he is not another guarantor, he is a guarantor. yes , but for example, now some loans are for sacrificers it is equal to the wife who is under 23 years old, her loan is 350 million . now this 300 tomans is too much . i don't think that there will be a bank that will give a 300 million loan to someone with a guarantor. it depends on the creditworthiness of the individual. for example, o, b, cd , yes. well, at this time, the guarantor must be strong , otherwise, look at the sources that banks equip

a guarantor, you can go to bank b, for example, you have to take two guarantors, in another bank you have to take 3 guarantors . we handle the validation of the individual and guarantor in the case of this form in our own system, which is registered on the central bank website. we will investigate any complaint that comes to us . promissory contract or guarantor, thank you very much for your explanation, mr. nadali, who was with us in this conversation, general manager of central bank's credit operations

, mr. rahgoshai, we have one minute less time, 30 seconds. let me tell you about banking education in general, everyone knows that our banking system acts unfairly in education, that is, maybe more than there are half of the people of our country who don't even have the opportunity set for us , and i hope that we will investigate all these discussions that were said in the commission, and this discussion, which the dear ones

have a little under the pretext of validation, will be silenced, god willing, this too. it is an issue that we will take care of. thank you very much for visiting my page, all dear and respected guests and viewers of the economic table program. this issue will continue to be on our agenda and will be followed up. thank you very much, god bless you.

go and look, then you will reach the bazaar, every bazaar is one-way at night it got better next to me, we came to serai afsariye . and the only

branch in tehran is on three roads of afsari, sir , aren't you looking for long-term photos with a lower fee, do n't you want all the accessories you buy to be original , don't you want everything you buy to have a low price , aren't you looking for a place that has both long-term features and a witness to its conditions? aren't you looking for a discount

? why, by the way, then you should go dear viewers, we are at your service with the news section at 16:00. this year's electricity consumption has increased by 8.7% compared to last year's peak consumption. minister of energy bashare said that the demand for electricity consumption has increased to about 80 thousand megawatts . this amount has increased by 6 thousand megawatts compared to last year, which is a big figure. according to mr. mehrabian, the power grids are under heavy consumption pressure, and the reason for the power outages in the past days is the limitation.