[000:00:00;00] for example, let's assume that the public space is defined as "banking" and it is the maintenance of non-promissory property of banks. therefore, non-promissory property and direct investment of legal partnership are the most important examples of banking by banks. about this non-promissory property, and of course , the point you said may be a question for some people . there is something wrong with financing based on the capital that is in the hands of the banks , we will talk more, of course, the important point is the damage that the banking system of the banks does to the country's economic and banking system. the news follow. thank you so much for joining us on the news

tonight. with this short introduction that mr. dr. khosravi mentioned, let us also say that dr. mazaheri , the former head of the central bank, has joined our group . hello and good night, thank you very much for allowing us to go to the first step of tonight's news talk and see a report with this short introduction that was said about the banks. some banks, which are really commercial banks , are doing bookkeeping, well, the main problem today, we have a warning from the head of the central bank about the banking of banks. some banks, whose work is purely commercial, are doing banking. this is not correct. they must sell the bank and get out of banking. but why do banks turn to debt management?

during the years after the revolution, the banks were interested in getting an income from the inflation in the country's economy, and this led to the fact that, unfortunately, in our economy, we are witnessing a certain scarcity . it is empty that some banks have hoarded are there are 3 banks that have more than 10 empty houses . if they say more than 10 to 20 to 300 to 400 , it is a summary. they gave a loan. tourism bank with a violation of big loans more than 9 times the legal limit and granting 40 times more than the allowed limit of loans to related parties of the bank, as well as aindeh bank. by granting more than 6 times the permissible limit of large tuitions and over 800 times in the payment of tuitions to related parties. when talking about entrepreneurship

. it means 74 thousand billion tomans the bank of ainde spent in iran. aindeh bank has 1 and 6 registered capital and 16 related debts, which means 70 times its registered capital . according to the law on removing barriers to production, banks must give away 33 of their properties that have other functions every year. also , the central bank, through a circular in march , prohibited 1400 banks from doing business, either directly or indirectly. creation of enterprises, yes, enterprise, never. this is the basis of the work of banks. an issue that was objected to by the leader of the revolution. why do banks have liquidity problems? to because they increase the number of branches. because

the sanatorium is for their own people. in tehran, i was passing by a place with a car. it was a wall. this is me . we went to a long wall by car. we saw this wall. i asked who does this belong to . what is this big organization? they said yes, the owner of a bank. the bank is wrong that it wants to do something like this, we saw this report by chance about tonight's issue, which includes the speeches of the supreme leader of the islamic revolution and his emphasis on this issue , the president and other officials of the country and the program. a mural was installed in valisar square in tehran in recent days, which was taken down after four days without any explanation . we will talk about this

issue, mr. khosravi. many people may ask about the different types of management and corporate ownership and the difference between them and this financing based on capital , and what is wrong with it? look, let me give a very short introduction, basically, what is expected from the bank and what service does it provide to the economy? the applicant for the facility, this credit is mainly obtained from the creation of that person's income, that is, for example, suppose an entrepreneur comes to the bank and says, "i want a loan." the bank comes based on that person's credit.

the meaning of how much income it can generate, in fact, how much work it does, in layman's terms, it creates money, creates credit , provides it. based on the customer's credit rating it plays a very important role in the economy, that is, the customer who comes is an entrepreneur who knows how to work, can sell the product to the end , and make a profit. he comes with motivation, now he is not a fraudster, so he is not typical . if the bank actually works properly , the bank will not finance it, it will leave it out of the economic cycle, and the person who deserves credit will actually receive credit if the bank does this

process . put his foot aside and enter the capital himself if it is invested, it will apply for credit itself, in fact , there will be a disturbance in the allocation of the bank's resources. which is not a subsidiary of the bank, their access to credit sources is not equal with a company that is a subsidiary of the bank, the most important task of the bank, which is actually to identify the creditworthiness and monitoring of customers , disturbs the business, this is the most important defect that the business has, in fact, the allocation of deviation in the allocation of bank resources, mr. dr. mazaheri, what are the motivations that make the banks go to the banking system that they are doing now , whether directly or indirectly , what are the most important damages to the country's banking system and the country's economy, mr. dr. khosravi

mentioning the aspect of production and entrepreneurship. yes, i thank you. mr. khostavi's explanation was correct. i will say one sentence to start, and that is that you have a business or a company, which means investment. we are looking for an increase in production and the prosperity of production is the basis of the economy of all countries, including in our country, this cannot be achieved except by investing in this way. it is also possible to give loans and loans. the problem is that the bank is not created for business investment . it is not its duty to do this.

whenever we came to this issue and found that a set of organizations was created to do something that was not right for that task, it was not working . in the place where we are now, i am speaking from the point of view of the logic of division of duties. there was a time, you remember well my people remember that the companies that came, started to join, started to give loans , became non-organized financial institutions, and now i will say corrupt corruption , created huge problems because they were not created for lending to education. banks are also not prepared for corporate investment, so you want to prevent this

. what the central bank has started now is a good thing , but it is too late. chronic disease , any chronic disease, in my opinion, is something that the bank can do the center, for example, about 6-7 months, which he raised in the media and in public , had started earlier than this. the good work that he has started is the work that he is doing correctly. and you as the media, me as an expert, mr. khostavi as the country's research officer, we all must help the central bank succeed in this task. mr. dr. mazaheri, you said something, you said that it is a chronic disease that needs time and was diagnosed late. now you have to. a suitable mechanism for

the treatment of any chronic disease requires time, and a very serious examination of that mechanism is very important. tell us how that mechanism should be defined so that it can correctly identify and remove the obstacles . now, there is a point that if one of the managers of the banks who are suffering from this problem were present in this meeting, they would surely say that mr. ma is also from we are not given the space to do this, but it is because part of the banks' bankruptcy is due to the fact that the government asks them to keep their companies. i do not want to give examples now. there are many cases that a bank to make

its company or non-promissory property its fixed property he refused to sell it himself, but because it was not bought for him, so to speak, a sales queue was formed for him in the capital market . the sales queue was immediately formed to tell the bank, sir, hold back , because this sales page will lead to a decrease in the price of poisons and the capital market index. coming down, mr. dr. mazaheri, at the same time as you were talking , i was thinking about the president 's speech that you broadcasted in our report. you see that the government wants this in some places if it happens, it means that the government will allow some banks that want to sell some of their properties

to sell to you. i don't want to defend the banks , i want to say that this chronic disease needs to be gradual. i don't do it. we must have seen from this , especially in the previous year of 1401 , the capital market index was decreasing and it fell. which is either the bank itself or from the government companies, that is, you are referring you are saying that it has economic implications, the government is coming to control the economic classes, i will say my word

, please tell me the time agreement, mr. doctor. the one who didn't do it, in many cases, either from the sources of the banks or the banks themselves, they found a mission to put any quota for him. he said, mr. bank so-and-so, you have to go to the stock market to collect so many billions. of course, that was the right thing to do. i am not saying that it was wrong because if this if you don't work, it would have decreased last year, and there is another loss. now, let me go back to the question you asked , and i will explain your question with this introduction. there are two ways to enter the business with three methods . the first method is the worst and should be avoided quickly. yes, mr. raisi and mr. farazir, you and i should take action

, and we all have to help. the banks are investing for themselves instead of transferring education to those who want to invest from the resources they collect from the people . doing this is the worst, most ugly and most incorrect method that banks lead to tell them to do it for themselves, mr. mirad, they are behind our line. mr. doctor, i have to interrupt every moment. tell me, i will interrupt. but let the second and third say that this method is to be prevented here with a circular with an order that is also according to the law in the interest-free banking law that was approved about 30 years ago, which clearly said that any bank that wants to make direct investment should the case should be approved by the council and get credit money . case by case, the credit council should not allow any other case. many of these investments

have the permission of the council. the council has taken a loan and invested. the first thing they should do is that the credit money council does not give permission. if they give something , they cut it off. this is one or two of the second methods that the bank has for the company , where they give education to a customer, that customer is now either a company or a house for example. if he buys or pledges the house, he cannot repay the installments, the bank will inevitably take possession of the property that was pledged as collateral. well, the bank should be able to acquire its resources, if the customer can't, he should do this, but in this second case , mr. farzin, i think he should prepare his circular. and to issue it, they should pay serious attention to it, if a bank goes and acquires a unit, because

of its claims, for example, in a period of 6 months, 9 months , 1 year , it has to be sold . as i said, because the government sometimes has some interests, it has a task that it wants to tell the bank to do, or in order to support the capital market, it obliges the bank to go and give its resources to collect a share that is in trouble, for example. the third solution is for the government not to do this, instead of the banks force him to go and give money, listen to him so that his shares don't fall, go to the market, what should he do, go to the capital market and correct it, so that the capital market doesn't fluctuate, you mentioned the sector, you have a solution, mr.

doctor, i agree with you about the solution and removing the obstacles we will talk more, mr. dr. khosravi, mr. mir emad, the director of the banking system health assessment department, adding mr. mir emad to our group . i greet you. your time is good. please give us the statistics, mr. mirdad , from the management of the banks . this banking is out of this banking in the name of allah, the most merciful, the most merciful, greetings, courtesy and respect to you, mr. dr. mazaheri , mr. khosravi, and all dear viewers, i will correct your last name, mr. dr. mirmedi, yes. please, i would like to inform you that, as mentioned, i will first give you an introduction , then i will also be at your service in relation to numbers and statistics, as mentioned, the most important task of banks is one of banking services and another.

there is a question of equipment and allocation, and as a rule, the entry of banks into the phenomenon of corporate or property ownership is an inevitable phenomenon that must be addressed. and the legislator has entered into this issue since 1994 , but more than that, as dr. mazaheri also pointed out, in the law on usury-free banking operations of 2012 , he had allowed the legal participation of banks in the note to article 3 of the law on usury -free banking operations . roads and banks are allowed under certain conditions to make both salary participation and direct investment. however, since 1994, due to the approval of the law on removing obstacles, severe restrictions have been created, and this issue has been monitored by the central bank

, and efforts have been made to ensure that the banks as much as possible is it possible to get out of the field of real estate management and focus on your main operations in relation to the surplus property and surplus shares that they have ? for the banks, what they should have handed over to others , they tell us about the handovers in the statistics from 1994 until now, mr. doctor, you are going to talk about the handovers and what is happening now. 1400 of which we have the last numbers as 1401 according to the financial statements and the special dimension that needs to be done, i don't have the exact statistics here now, since

1995, the banking network has actually transferred 71,56,57,42,51,16 billion rials in terms of stocks and assets . fixed assets or non-guaranteed assets amounting to 78,000 in 1995, respectively , were transferred during the following years, billion rials. how long has it been now , dr. miradi? now , the so-called book value in the banks in relation to stocks amounts to 24,20,000,000,000,000,000,000 , of which part of these are bank shares of about 40,000 billion are bank shares, and the rest are other people's shares, which the banks should, as a rule , have about 30,000 billion with surplus assets, which they should do in reality, but as dr.

mazaheri also pointed out, well, in line with these transfers, we, as central bank, we monitored the banks, within the framework of articles 16 and 17 of the law on the removal of obstacles, we made several correspondences with the tax administration and sent the statistics of actions to the tax administration during these different industries, even though it is really related to some banks have the intention of handing over it existed, but maybe it didn't happen because of the implementation obstacles that exist , mr. dr. meir emadi , tell us about these obstacles very quickly and very briefly and in different ways, while also pointing out to us the targeting of the central bank. tell me, we want to conclude with you that this property that the supreme leader of the revolution mentioned in the report that we broadcast , for example, now the ownership

of a company has been handed over. the properties they have are large scale and usually this is large the scale is an obstacle for handing over some conditions that exist in the market, such as the conditions of the capital market, which mr. dr. mazari mentioned was based on collateral. these are the legal obstacles that may exist in the discussion of transfer, there are pricing issues and such issues are finally in the implementation process, but what the central bank has really been following since 2015 is still following and a set of measures . face to face has done this to every the order for banks to focus on their main operations

, as i mentioned, is about equipping and providing banking services, so in this regard, among the recent actions taken by the central bank, is the issue of granting licenses to banks to establish property funds and real estate, land and buildings. in order for these surplus properties to go to these funds in the form of a union , they will actually be given to the applicants. or is there a question of revising the relationships related to fixed assets , which previously had not been clearly separated between banks and others ? there is some weakness. since 1995, until now , when i am your servant, we have reported more than 150 cases of kurds' actions to the tax agency, and through the tax agency , the necessary measures should be taken in this regard

. we have 3 seconds, iran except property did you think about it, mr. mirmedi, in relation to this issue that you said, this is probably part of the surplus property that should be handed over, but the reality of those issues is related to the large scale of the pricing conditions and basically, whether you can afford to buy such a property of such a size. does it exist or not? it is mentioned. well, the central bank is looking to determine this matter, god willing. the property that the supreme leader of the revolution mentioned in our report . what about this property? actually, i do not have any specific information, and whether this has happened or not should be investigated. yes, and you mentioned some numbers, how much is the goal set to achieve it by the end of this year, in terms of amount, in terms of the so-called percentage, we are looking for the banks to hand over their excess property and assets , but the reality is that a series of inputs they are caused

by the collection of claims and things like these it should be done in a very short time, we don't have time, i really don't have an estimate on this right now, thank you, mr. mirmadi, i will say goodbye to you , mr. khosravi, somewhere mr. mirmadi said that some of the notes are laws , he created this partnership for the banks that you in some areas, participate, invest, generally, all banking institutions are open to debt or we have exceptions . see, i have explained in the previous section why banking is the reason for debt, and as a basic principle of banking, how many minutes does it have objections to your presence, but i in my opinion, in 2014, article 16 and 17 of the law went

in other words, we have been discriminated against, that is, first of all, we have restricted the non-promissory properties and all the investments of the banks, while during this period , we have a problem in the 1990s, which is almost a super crisis of investment, which itself has many arguments in many other cases. in addition to these two, the policy makers in recent years have come to the conclusion that in fact 161 laws have gone to movan, which was an exaggeration and an omission, and what changes have been made in the budget laws of the last 3 years to the banks. participation was allowed and banks have the possibility of legal participation. this is my logic non-promised property is a separate issue and it should be left alone, but regarding investments, when the economy was in a situation where no one was investing, it was like this in the 1990s, which means that

large companies actually have a lot of financial resources , around 30,000 to 40,000. they do not invest billions of tomans, or those who have the possibility of withdrawing capital, withdraw capital. in this situation , you should not stop the institutions that can make productive investments. therefore, i believe that if there is a logical framework of structure and compatibility for actually develop investment banks this is that the cases where the investments are accepted by the bank means that it is not a public investment that does not have an id. in fact, now an authority such as banks can invest in them, we can start government projects . information management is not a matter of zero and one, we have looked at the issue from zero and one, and you cannot prevent it from taking ownership. it is a big investment made in the country by banks, and we must use these resources for the economic development

of the country, mr. doctor. less than a minute if now because he was the former chairman, if you were now the head of central bank, what was the most important solution you would have taken in this regard, the same way as i said, that is, if i were mr. farzand, who now has a son , he would do the same thing. in the money council , i did not put credit in the meeting agenda at all, because when it is brought up in the money council, some members of the council vote for it. but this should not be included in the agenda of the meeting to not allow direct investment to banks . thank you very much. 10 seconds, mr. the best way to sell the big investment mentioned by mr. mimari and mr. khosravi is to convert those investments into a public company and gradually offer it

to the public in the stock market. thank you very much, dr. mezaei. mr. dr. khushi, we raised the issue , god willing, we will discuss this issue in the city, both at the economy table , and in the special news conversation , i say goodbye to both honorable people and thank you for your company. in the name of god, ladies and gentlemen, hello, i am alireza hashemgan and i am with you today