it means that we have almost doubled compared to last year, while the growth of loan resources that have to pay this is not even 20%, so it is natural that banks find resource limitations , now 300,000 people on the page are actually loans , that is, 300 a thousand will be 90 thousand billion tomans. well, there are many people in the queue since last year, since the beginning of the year , i don't know when it will arrive. what i said was not at all that i want to say non-cash forgiveness , we do not interfere in the law, the law is the same and they pay, and i am obliged to the banks to do this . i want to go to the house of their life with two young wives to buy household appliances. i said, if this is the case, we can ask the banks to design a plan even more than 300 million. if we say 300 now, it will be 400 million. you can come if you really

want to settle it. in your life, buy a refrigerator , buy gas, buy eyes, the facilities that exist , the banks have contracts, you who are in a hurry , you want to do this, you can come outside of the turn, get this, go, then you don't get that loan, no, no loan, no, see, we mirrored them , it was upside down. i said this is where it came from he brought up this issue, not the one that i told joshe and bankam to give priority and i have to do this . there is an issue that is happening regarding the limitation of resources that you mentioned, which is completely correct. how much do banks lend to their own employees? if they don't have the resources, why do they lend so much to them, but look, first of all , this is a donation in banks, so it is cumulative. it is no longer giving from the past. first of all, banks do not give good loans to their employees. i don't remember getting 10% from them now and eating 10% higher from 10%, so this one second, they are finally paying according to a regulation , regulations that have been in place for years, and this means

that the hardworking employees of the bank finally have some rights and entitlements . it is between work and the end of time, during the cold weather holidays, they must always be at work, they cannot be idle even for a minute, they must work behind the counter, so we must defend them too , don't look at your situation right now. well, the personnel of state banks are the same they have a problem after all. their employees, in my opinion , it is not a bit of exaggeration to take this and allocate it to them, and we have to see everything in its place, for example, we can say that the government finally has a budget deficit, and now

it is giving a lot of its bonds to the banks. well, important resources are going from the banks. they have also gone for the past years. well, the banks are under pressure now. the regulations that the central bank has put in place for the banks have limited their balance sheets. when your balance sheet is limited, it means that you cannot lend more than a certain amount in a year. more than that, you will be fined in the deposit legally, well, we set some limits for the bank and then you put pressure on me. we say that you should do these tasks, well, they can't. i request that we look at them with fairness, but again, i emphasize here that the loan for young people, especially those who want to get married , is set for having children. this is the emphasis of the authority. recently, the supreme leader also said in his meetings that i am obliged to make time for the banks, and i will definitely follow up if this becomes a problem.

we don't serve the youth, we don't serve the youth at all. i think that until yesterday, all the youth were worried that i don't want their loan . it's not like that at all. anyone who doesn't want it will get their own loan . there is no problem. very well, you talked about economic growth and this is the task of the program. seventh is the realization and growth of 8%, by what mechanism will we achieve this growth, considering that we are arabs after all , the law has specified that the economic growth should be 8%. the capital and in fact human power, management and technology should grow by two percent in a few years the past two decades have either been negative or zero , our interest rate has grown very little, recently it has also grown , but it has not been serious enough to have a major impact. one

way to do this is to create this ease in the business environment, to create ease in investment , that is, to encourage, to make the economy predictable for the people. invest and benefit from this , it will go up, and if you use it, you cannot go up , that is, we will reduce 3%, the target growth will be 5%, the maximum is 5% again, i say because of the resources. the main point is that we should be able to encourage productive investments. how is productive investment encouraged , provided that you don't have high inflation , you don't have volatility, your economy is predictable, and people don't know that your regulations won't change for at least 3 years . you wake up in the morning, economic activists see , for example, the price of food has changed, they wake up in the morning and say , "i don't know the price, this is priced in connection with a certain product. well, it is not clear to invest . economic sense requires that you can predict the future. i will say one sentence now. that's it." today

, i looked at the pc that is announced america means that the central bank will change its interest rate based on the price index they announce. debt is reported monthly, well, this is accurately predicted, that is, the economy is working right now , we are telling people, come , take your money to the stock market, come here, then tomorrow morning we will make a regulation that everyone will find a serious problem, what about you? you will work so that this does not happen. look at the issue of bursa . the predictability of article 24-30 of the improvement law is assumed. and we talked we have to move in the direction of creating a stable economy , and one of the consequences of this instability in decisions is mandated interference in the economy, and in fact, the information rents that unfortunately exist , mainly

happen because of these mandated pricing. the most important thing is actually the point of view of investors in the capital market and the stock market. there are several sets of actions that we must do. i will say this myself here. if decisions are to be made that affect the mid-term decisions of investors in the stock market, etc. , i will definitely oppose them. and me you have to take this trust.

we should not make decisions that those who decide to invest in the stock market , we should not increase their risk so much, and unfortunately, this has happened in the money market and food prices. whether it's the pricing of the products that are offered on the stock market or the suppressed prices, these are all harmful . we are trying to remove these, god willing, and not to interfere, and let people invest wisely. unfortunately, i don't want these decisions of the government now. tell me what was the reason,

now they have reasons for themselves from me, but me i am sure that this has a negative effect. the average profit of companies on the stock market is 24%. now the latest information i have may not be accurate. if i get it later, my friends say that it is about 12% . it has almost halved. well, it obviously affects the capital market. we will go to this. on the other hand, god willing , our effort is to return the trust to bos, and i will definitely insist on the issue of the stock exchange in the government of the economic headquarters and i will stand up so that , god willing, the incidents we had in the stock market will not happen again, you mentioned in the vote of confidence meeting . that the law to improve the business environment and establishment of issuance you will follow up the permits completely so that they are implemented. yes, this is one of the issues of unpredictability of our economy. this is another part of the business environment , that is, you. unfortunately, this is how it happened in our country

. we are doing operations. you see, in insurance, in the bank, in various activities that are now established in the society. we give a license to the company, so we bother him beforehand . my policy is to take this work to the minimum let's go ahead and fully implement the law, in fact , fully implement the education of the business environment, it has important clauses , we will implement them, and we will try to achieve this prosperity, god willing, in the effort for creative work for the people and the activities of the activists. to create an economy

, and one issue that people may be facing directly every day and feel that they are discussing on their table is the price and inflation. what program do you see, inflation, well, the responsible for inflation, well, now central bank and we will help that, god willing, central bank will be able to fulfill its main task of control. inflation should act because the help of the government and the ministry of economy to control inflation was actually deficit control and the other was the imbalance of the banks . don't do it , you can't control inflation. unfortunately, our banks have increased a lot. just today, i heard that, for example , repo operations have reached 290.

but this does not mean that the bank has enough capital to carry out operations. he doesn't have a bank and we have this serious problem. well, this is part of it our priorities should be, if we can't solve this , there will be inflationary pressure, that is, liquidity pressure caused now, if the liquidity goes to the productive sectors and can produce a good output for the country, well , it won't go away, i know it won't go away, so that's what is going to go away. for example, the government's current expenses are now like this, and we are financing the budget deficit in this way. the government's budget deficit is too much. when we are writing the budget, the honorable representatives should

pay attention to this point. when you spend more than the budget, it means you have to issue a bounced check and the central bank will pass it. the central bank should not pass a bad check. this is a fact. i will definitely defend the independence of the central bank's expertise. this should not happen and the government should solve it. we have been really interested in reducing this budget deficit since the day we arrived. let's do it. now we have taken some measures. i really hope that we can collect a significant part by the end of the year, god willing, we can reject this year, god willing, so that, god willing , we can make the next year's budget with a better adjustment and with a better balance between income and expenses. this will all help inflation , of course. shocks may cause swelling such as shock if it happens, they are the cause of inflation . we hope that these events will not happen and we will have better days in the coming months. we will be able to have more control by the end of the year

. we think we will reach a rate of , for example, 30. central officials should speak, but we are trying our best to control inflation anyway for the sake of the people, for the benefit of the people, and to at least not add to the reduction of the purchasing power of the people, and another issue that you mentioned, mr. doctor , is the coordination of the government's economic team. now the ministry of economy in terms of the place where he is responsible is the parliament who asks him questions, he answers, he answers, but for example, the central bank does not have such an accountability mechanism in the parliament. in this whole economic team, only the minister of economy is answerable to the parliament, so in the setting of policies and economic programs and economic measures , the bank of the ministry of economy should have a key role

and at least be satisfied with the policies that are happening. now what about the capital market? what in the width market, whether in the money market or in the budget, all of these should finally play an important role, and now , alhamdulillah, it is actually the general understanding that we made and started working on this basis . god willing, we will continue this coordinated process . you know that the budget that you mentioned is the main challenge of the disparity in the discussion of income levels, which is usually not realized . in the end, the income was not what was predicted. second, in fact , we are a little behind in the transfer and privatization in this field of taxes. we are behind because what the ministry of economy gave in the 13th government was 120 billion, it was 120 billions

, but it was 100 billions, but the honorable parliament added another 100 billions, so this may be a bit behind us. of course, due to the events of the past two or three months and a decrease in activity and lack of responsibility in the government , the growth of our tax revenues was a bit slow compared to the budget target, but the tax friends promised that, god willing, they will increase this speed, we hope. in this area, we do not have a deficit, in any case, we will try our best to minimize this to nine by the end of the year. i really hope that this will happen. in your case, the increase in tax revenues through the same ways that were announced before, for example , increasing the tax bases or, for example, preventing iran's tax evasion through this, in fact, the system of taxpayers, the system related to the funds of the stores that store stores we see that they are completing these, the friends

are doing very well and this will help increase our tax revenues. tax justice and at the same time preventing financial evasion, excessive tax evasion , this is seriously the work of our colleagues in one of my important points in the tax area is that production should be pressured. i always say that the purpose of the tax organization is not only to earn money, it should be the regulator of the economy , and recently, starting from this month, the 5% tax will actually reduce the production of the production unit , of course, it is a legal reason. i am responsible for the producer's tax , and of course, god willing, this will be compensated by my colleagues from other sources. now , how much is our share of tax from jd, in the share of tax from jd, the share of tax from jt is almost 7 percent, and the world average

is 15 percent. we have something called oil, well oil is an asset in fact, we have our capital. we are selling it, which means that in fact, this is one of the people's rights that the government is selling , which means that it is a kind of tax, in fact, it means that we cannot both bring oil and the taxes are very terrible . because nef contributes to the budget , it has a target that is a little less than yours, which is to reach a certain number, which is for us to reach the top and slowly take the oil out of the current cost. the current cost should not be spent with oil tankers for construction projects and anything else from this point of view, we belong to the future generations , we should go to construction projects, but the current conditions and the sanctions and pressures that exist, i really have to say this. well, some people say that now the sanctions have no effect. why is the sanctions not effective? look at the acceleration of our development. the embargo has slowed down

our competitive power among the countries of the region . it is analyzing our banking relations by not being in the action group . in fact, it is the fit of the financial action group. this is fifa, you are playing internationally you play in a local team for a while. well, we can't just work with a series of small banks and unknown banks . we want to work with big banks. this is the first thing from us. they pretend and want to establish a proxy narrative, the problem is, well, we have to try, of course, with the general national understanding based on our national interests, we have to go and do this work, so this is already there, it is putting pressure on the economy, we cannot say that we should let it go, we must follow up. we must reach the result, the efforts of the ministry of foreign affairs and other departments will definitely be focused on this

but we say that this is not a reason for us to ignore our problems. assuming these sanctions, we have to face the challenges and reform our economic governance. our economic governance is wrong . what does it mean, for example, we get up in the morning and say the price of food , this is the price, i don't know, the stock market, this is the price of a car, this is the price of the width. well, you know, we really did last year. how much rent should we pay due to the difference in exchange rates? well, i calculated myself that the rent we paid due to the difference in the width of the threads was 1,700 hemats in one year. the size of our budget, we are paying rent, why did the price go down, not the price? what is the market price for buying and selling now ? 60 tomans higher is the price for this modification. we will definitely do it . we will definitely come to an understanding with the cooperation of the central bank that, god willing , we will bring these things closer together. why did our trade have a deficit of 17 billion last year because the difference in remittances between

our half and the open market causes exporters to lower valuations. the importers should raise the valuation . there is a rent between the importer , the dealer, and the exchange. we will definitely fix this and the will of mr. president and the economic team is that, god willing, we will correct this. regarding this, of course, we will correct this, because i saw that someone had written that the meaning of your aunt is that the price will go up. no, i have my own experience . i did the work, i brought nima closer to the open market . by bringing it closer, the market also went down. nima went up a bit. my market went down because you are suppressing the game .

friends who are active in the market of width and money , god willing, we will be able to solve this issue regarding the removal of the preference of the width, what is your policy, mr. doctor, see the width a preference was also removed in 1401. well, friends , i saw it today. announcing it cost a lot , but it was a good action, so it costs a lot, so we can't talk about it so easily , it doesn't have a positive effect, because in the end, the one we removed was 286, now it's 60, which means that there is actually a preferred width of the distance, i say. we must first manage it and limit it in the people's basket of basic goods, not just the price. let 's make sure that it reaches the people at that price, if it doesn't reach this price, and the people , for example, get the chicken at that price, the chicken at the free price. in the hands of the goat people, the width of the preference will return, the preferential currency

will return to the basic goods, it is reserved for the part that was removed, which is the part that you mentioned now that no, no, i say that it is 40, it came 28 500, i had 420 i said 28,500. we don't want to harm people's basic goods basket, and in my opinion, these things are generally, i personally believe that we should not do things that are shocking in the economy now, and the society can't tolerate it, in all fields, in gasoline, the same in other places, they are the solutions. we have to sit down and find solutions in any case, i should reduce their dissatisfaction and talk about energy, gasoline, and the policy you are following. see that we are finally

consuming a lot of gasoline, but i see good arguments . for example, do you sell your car at an international price? for example, you sell a $20,000 car in the country for $50,000 or $60,000. are the cars of today really low energy consumption? we can't do this because of a practical reason we will harm the purchasing power of the people. you see , let's not look at it too easily. for example, some people say that you should buy gasoline in an area that is not smuggled. the discussion of energy has not started at all , but at the first opportunity, i think we will sit down and discuss this in the next week or two, let

the government write a different plan regarding these various plans that have been presented to us, and based on the understanding with the people, inform them, god willing. we do this for the benefit of the public and also for shock in society prices. people, let's not enter and one of the challenges that our economy is struggling with is the issue of financing, financing in various areas, whether it is housing, or in the field of production. you said that the main part of our financial generalization is from the bank's point of view. yes , you see, a new law was promulgated a few months ago, and it is still very serious, but seriously, because it has been two or three months without any obligation. now we sit down to follow up and i have given the responsibility to the ministry of economy and finance of the parliament to provide this law finance and infrastructure, the law is very important and very

detailed. we must start taking serious measures for non-inflationary production, i.e. non-inflationary financing for production. provide inflation without inflation or provide financing without inflation to the government and us seriously, god willing. we will be busy preparing this from this week , but i said again that one of the ways we should be able to finance is not to put pressure on the banks if we want to go through the bank. let's just go to the banks. i have a plan that i announced yesterday, and that is that the banks should get out of the business sector and use the resources resulting from the exit from the business sector for business development, that is, to go to production . create with high added value.

this is not against the 7th plan . it is foreseen in the 7th plan, it is foreseen in this law , so we will do this, but the main thing is that we restore the trust of the capital market. if we can restore the trust of the capital market, our main financing will be there. and we can let's do this, our most important issue is financing through this market, but again, don't think that we want to issue free bonds again and increase the interest rate. they have the international one. well, in that situation , the short-term changes you make in the interest rate

will reduce the total demand and cause it. to control the inflationary pressure, but when we use the interest rate, only our banks are not in balance. banks should raise their prices, and now financing has become very heavy with high rates, so this is not the answer. in our country , we must fix our non-aligned banks first, and banks should get out of this rule, and these are important issues, very difficult and complicated . i am saying all these things now , i feel that we have a very heavy task ahead of us, but i am saying that it can be done, there must be a will, everyone will help, that is why i said that the national consensus is to help the government in this field as well, because with destiny people are at work, people's livelihood is at work , we hope that we can achieve this result we have one minute now, because the task of the general policies of the 7th plan

is to strengthen the role of guiding and regulating taxes in the economy. your plan to implement the tax in the field of speculation is a game of non-productive activities. yes, you see, in fact , we have a law in the parliament right now, which was returned after them, about the sijidi tax, and now we have to sit down and conclude it with the honorable parliament , the next discussion. this is what my colleagues in the tax organization are really looking for. we already have enough salary tax and production tax. we can no longer expand in this field. we have to go to the point where, god willing, we can collect more taxes from the activities that have high incomes and require less effort from them , in that tax bill on the total income, which the government owns, of course , the meaning of the total income is that we we have to cancel some of our taxes, it is a bit more long-term, a bit more complicated, it has to be coordinated with other tax policies that have already been approved and

implemented . thank you very much it has success. good luck thank you and thank you for looking. while the cost of housing in america has risen, new research shows a link between evictions and premature death , a connection that shows this even compared to all ages.