or our reports are completely contrary to this issue, so that this issue is not clear and the central bank does not clarify exactly the capacity of deposits in the form of good and current loans. unfortunately, this is actually how we look for a solution, a line of credit or a way. let's find someone else who can do this legal issue and this legal duty of ours. i want to say, sir, before we go to follow the line. we are seeking to get a new approval , we are seeking to use another place. it should be said that the deposits that exist in the form of good loans and the capacity of current accounts are fully responsible for these issues, and we do not need anyone else to stand in line and wait for this

issue. and explain this capacity that exists for the viewers, because mr. nadali explained in detail that the reference is the same as the reference. please allow me to not enter numbers and figures, considering the little time that your program has, but we are equal if we want. let's enter the number of my sheet, we are the point of our time let it be said that our opinion is related to this matter. in the same way that today's mention of one-sixth of the deposit capacity is in the field of loan, and now it is strongly stated that this capacity exists in the central bank , see that when our private banks today , none of them are complying. make their issues completely clear. one of the issues that we are following up on in the original commission. go ahead and

we will definitely put this as a priority, the discussion of clarifying the deposits, the facilities and to whom they are providing the facilities , today i am somewhere in mashhad in connection with this. i was talking about the fact 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. of course, we estimate that they are collecting about 12% of these deposits and none of them are answering who they are paying these deposits to. there is no type of supervision regarding banks, i would like to say that we have exactly 12 banks in khorasan the deposit percentage is in these 9 banks.

none of them give statistics to whom they are paying their deposits. in the meeting we had with mr. dr. farzin, he gave orders. it has been more than several months since i ordered this, mr. abolhasani. i sat down with him. i set up a meeting for you to report why 9 banks are collecting people's deposits , they don't answer, they don't even say to whom they gave these facilities, which will come from where i will tell. now let me talk about this issue because it has become a case in the main commission of 1990 i am announcing that today i am giving a warning , i am also giving a marriage loan , have you filed a case with the commission of principle 90, mr. pajman fard? that the legislator, that is, the parliament , is imposing the duty of the chamber on the banks . it means that majlis bank is saying that you

should come and offer more than you can, and we will prove that this is not the responsibility of the room , it is the same power that the banks have, and in fact, if we go to the facilities of these, we will count on them. in relation to the deposits that are made as loans and there are current ones, which in fact, the deposit of these should be returned in connection with the cases that are specified in the law, which i am going to do now. i will not read the law to you that based on the priority of marriage loans, childbearing loans, housing loans and the rest of the loans that exist in this matter, these must be paid, so the first issue is the clarification of the discussion , which until now is the clarification in relation to the banks. if we don't have it, these corruptions will take place. so far, i have answered mr. n's answer and here is one point give you see, we will reach a bank that

is overextended, they will take their own capacity , they will invest in a point of corruption, and the result will be widespread poverty, which is how many percent of the poverty that has formed today and the decline in the value of our national currency. it is by one of these private banks, of course, i don't want to say that all these issues are happening in private banks, after all, this is one of the same banks that today are allowed to do this if they are not allowed to do this in connection with the bank. in the future, thank you very much, mr. mr. pajam, stay with us, mr. nadali please explain the points mentioned by mr. pajam. look, let's make a distinction , the education provided by the banks is not the subject of our discussion now, the subject of our discussion is the sources of good loans that the banks provide, and on the other hand, the loan facilities that they pay, these sources of good loans

of the banks are in a good form. now, with the establishment of two banks, most of the loan sources that were previously in the banking network. i went to the two banks of sohar al-hosni in esaleh, and these two banks were exempted from paying the child's marriage tax even in the islamic council last year. so the resources it has it is equipped in the banks under the title of qarz al-hasna , its growth has not been very high, it has gone to two qarz al -hasna banks, the main part of which is that in qarz al-hasna banks , the person who invests his resources expects to receive transfers, so he takes his money to qarz al-hasna bank, which loans

the money that is in the bank account. it is not me who made a deposit , i demand from the bank as much as 800,000 billion tomans, as a bank depositor of these sources, the loan has been given, and it has to be returned once a year, usually it used to be seven or seven years. annual means every roof that you pay 10% of it will be returned a year, that is, if this 800

was good and he actually did homework, now he has actually taken that percentage, this progress is good, but the law has not been followed, the available resources, that is, at least in the bank that has performed the best, it can be equal to what allocate the allocated data . let me tell you this point. look at the current account of qarz al-asan, the same as checking deposits, the same as checks. the money in these accounts is very high . i have money in my current account. this current account is a short-term account. it is also connected, so there is practically no deposit in the current account, while this is an account currently, it helps the banks to reduce the rate of equipping their sources so that they can improve by 23 %. you see, these issues that you are raising now

are in contradiction with the discussion that we say that they do not have resources. in the end, do they have resources or not? this means that the amount of the queue will be zero, but the banks will not bring these current sources, so

that means the legislators, who are the members of the parliament , together with the central bank, who is the executive, will arrange the conditions that despite the 66% increase in the amount of the loan, the resources will remain constant, and zero means a result. it is very obvious that this action of yours was done by the parliament and now by us let's see, so what we know about the resources were few.

at least, but why has the number increased, that is, the amount of the loan , but the ceiling that must be paid has not increased , of course, look at this correspondence, which i have not received, but at the same time, i would like to state this issue. it was 300 efforts, not the approved 200 efforts , while this is mentioned as the minimum, so now my question to mr. dr. nad ali is that if you come and give more than this facility in connection with this issue, someone will stop you. you say that you acted against the law, i am surprised i want you to see, first of all, this was at least 300 efforts from 300, gentlemen, going to consult, it turned into

200 efforts, then the legislator there said that at least we should pay for this blasphemy, that is , if you make 300 efforts, we say, god, teach your father, who are you? no one will introduce you as a violator of law enforcement, the problem is to see that you are not tracked, and that you do not give a change of address . this is whether the sources of deposits in banks, either in the form of current or in the form of loans , are the answer to this issue or not, whether the banks will be presented with an impossible task. my point is that the gentlemen say that these banks do not have any of these numbers in the banks, that's what a bank means. the numbers are constantly coming and going, how do you count the money that is gone? you say that the money is gone, but

you don't count the return of this money. let me tell you, all our respected viewers are witnesses , including one of the best accounts that returned the money. it is being done carefully and the least violation is done there and the money is returned quickly. there are accounts that are offered in the form of loans. education, marriage, having children, etc it is possible and therefore, i am asking you to report the issue to us in a fully reported space . now, i have a clear answer to you . if you want to give more than 200 , you do not have any kind of restrictions, but you are allowed to bow. according to the law, you must pay at least this amount . you can do this, so there is no need for a response letter, you should tell the people, sir, we

have written a letter, go to the majlis and tell them that we want to make 300 out of this 200. who said you should at least give this amount, so i am asking for this issue. this is a bit of an insult to the people. the reason we are not doing this is because it is not clear to us. this is clear . the second issue is whether you do you have the ability to do this or not? i have to say that as someone who is completely familiar with these noble numbers, you now have this ability . moreover, what you say is that we have taken all the resources of qarz al-hasna and placed them in two banks. if this exists, then you so in none other than these two banks there should not be a loan account , mr. nad ali, please tell me, do we not have a loan account in any of the other banks? in my opinion, the inaccurate addresses given by mr. pejman

ferdi are a promise from you, considering that you are pointing out that the investigation and all the reports that have reached you indicate that the bank and the central bank have the possibility to before what they are announcing now , they will pay the loan , we can make a promise to you to publish the reports that you have. the way to do an investigation is to present it in a completely open space, we should tell these issues in a completely serious space, bring the documents to our friends, and in a working space. it is completely understood, your excellency, i have these numbers in front of my desk to read to you, and finally, if you assume that the central bank announces that i have a dispute with these numbers, the result will be an unhelpful back and forth, but if we dear friends, let it be said that

we are inviting the central bank in the coming weeks and we will also ask our own experts in connection with this matter with our friends. he wanted to explain that i have this capacity , i would like to say that the capacity of the loan deposits, i emphasize again , the capacity of the current loan deposits that we have in all the banks in the country, both state banks and private banks, the answer is at least at least the 300 efforts that the parliament had from the beginning to establish this system will be held accountable . when will your meeting with the central bank be? because you know, the only chairman of the original commission has been elected in the public arena. the reason why the members of some commissions are not introduced is that we do not have a board of directors, god willing next week , we have the discussion of the board of directors and the conflict related to the discussion of the ministers, including the cases that

will be presented in the first few weeks, god willing , we will have a report and we will also invite sadasima to broadcast this program live. we will invite you to make a statement in connection with this issue . we will invite you to have it live or record it and broadcast it. thank you very much, mr. pajam, the head of the commission, the islamic council, mr. we are also in touch with mr. motaqefir, the general director of youth social development of the ministry of sports. and the young people of mr. motaghifir, please let us go this far in your presence, we talked about the sources, but both in mrs. basfa's report and in her own explanations, what people refer to in the registration process and in guaranteeing the challenges faced by people , do you have such reports, can you tell the viewers. yes, salam alaikum and may god's mercy be upon you, thank you for this issue that

has really become an excuse for our dear young people in the last few weeks and in the last one or two months. since i have watched the conversation from the beginning of the program , see the conversation between friends, now i will not enter into this debate about the validity of these because it is in the form of my dears, my explanation is very complete and comprehensive, the part that is not usually addressed is the first point of the system. you see, the system of the central bank has a lot of problems in registering marriage loans and childbearing loans. and now we have many complaints that the system does not allow registration at all, that is , even from our friends, that is, our dear young people cannot register through cafes. this is the first point. i have been following up for two years, but

unfortunately it has not been successful and the issue of being the sole guarantor of the marriage loan. well, it's completely a matter of taste this is happening all over the country . can you give an example for the viewers? yes, look . last year, the chairman of the central bank announced to all banks that they can only accept one guarantor for marriage loans, but now we are witnessing, for example, in a city in sharestan, ilam , see a bank branch. dear tejarat, we approached him and told him to bring three guarantors , who must be an employee, have a check , and have a lot of salary. until if the guarantor is an employee, he has a check

, he has a salary, he can bring it, for example , he can get a loan for his marriage, see these, this is an example that i am presenting to you. thousands of registered complaints, i request the friends of the central bank to really check that part of their complaints, they see that there are many complaints about the fact that these loved ones are really confused about guarantees. thank you very much for your explanation, mr. motaghi . please let me answer freely , another one of the rules that should be changed, but unfortunately this will not happen now and i would like to request that at least in the system section and the referral section to the branch

, please follow the law, god willing, so that we don't face a confusion. you are going to add , if i register at the end of your loan , you will not have any problem. now, we recently got a child loan . it took us a while to register in the system. i myself, as an example of modesty, present a marriage loan i took three guarantors, i took a check, i took the salary deduction, until then i only had to visit the branch once a week, mr. nadali, you said that this process is both for registration and for guarantees . see your answer. i would like to say two or three things. we welcome transparency. let 's see the issue of marriage loan and these amounts. our estimate shows that 800 thousand billion tomans of resources are needed, what the banks are able to do now

is not more than 300 thousand billion tomans. flow, so the ability in our opinion, the banks are not more than two, considering the situation we have, the number of matt. the games that could not register now and are subject to loans, and those who get married, actually refer to the system, something around 4 thousand people are opened by 5 banks every day in different provinces. it is possible to register, but there are a lot of people who come to register, so we also agree that it is a bit difficult to register because it is a container. those who are registered now and the money that has been paid are now totaling 220 one thousand billion tomans. therefore, we are consulting that these pages will be reduced so that it is possible to register

. this is an issue about the guarantor of the validation law. banks validate the person and his guarantor . if the credit rating of the person or the guarantor is low, then they contract a guarantor who can compensate for the lack of credit rating. if a person has a high credit rating, i am a guarantor for his credit rating , but there is no other guarantor. yes, a guarantor, but for example , some loans for veterans are doubled. his wife under 23 years old has a loan of 350 million. this 300 tomans is too much. i don't think there will be a bank that will give someone a 300 million loan with a guarantor . depending on the credit, there is an individual validation, for example , ab and cd. yes, some of the depositors will go forward according to my law. now, if a bank

has committed a violation in this field, we have also warned you about it. you said that you wrote one thing in the law. one thing is a guarantor. it is correct in my law. take a promissory note. it is true that one guarantor or one guarantor means more than one guarantor. if we go

, if the rating is poor, he must bring a valid guarantor to the bank. i can tell you that it doesn't happen in almost any bank. well, that's the matter of validations . we emphasized the credit score. branka, you should implement the law , which my law says is credit, then the registered contract or guarantor. thank you very much for your explanation, sir. nad ali

, who was with us in this conversation, the general manager of monetary and credit operations of the central bank, mr. rahgoshai, we have one minute less, 30 seconds. please summarize , mr. pajman farnesi, in the name of allah, rahman raheem, and i will tell you about banking education in general. everyone knows that our banking system is in total education it works unfairly, it means that maybe more than half of the people of our country do not get any education from banks, this is because the education is focused on specific people and so on. one final point is that in writing the law, all aspects must be seen, that is , if the members of the parliament want to be proud of supporting marriage and childbearing, they should see the problems of the registration system, all of these, so please, mr. pajem, if you could summarize in 30 seconds. thank you, we have exceeded our allotted time

. i hope, god willing, the commission will review all these discussions. let's do it, and this discussion that the loved ones have some excuses for validation, they will be silent , god willing, this is also an issue that we will deal with. thank you very much for your page, all the guests and viewers of the economy desk program, this issue will continue to be on our agenda. thank you very much, god bless you.

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