send the number five to 30085 right now. by announcing: at 5 am tehran time , i invite you, dear viewers , to accompany us until the end of this news segment. before the official announcement of iraq, according to the health department of nineveh province, it announced that a fire broke out in a wedding hall in hamadaniyeh city, east of mosul city in northwestern iraq, killing 114 people and injuring more than 20 people . rescuers announced that the fire was caused by fireworks at a wedding ceremony. the iraqi interior minister

also announced that the civil defense forces were able to evacuate the injured from the fire do the prime minister of iraq ordered the ministers of interior and health to mobilize all their efforts to provide relief to the victims of the hamdaniyah fire in nineveh province. iraqi people's mobilization organization troops announced their presence to donate blood while participating in the rescue operation of the injured. the representative of syria in the united nations said in a speech at the general assembly of the united nations: the approach and policies of successive governments in the united states during the past years have been to create chaos and insecurity in syria . bassam saqa added: the planned looting of syria's national wealth, such as oil, gas and wheat the hands of the american invaders have deprived the syrian people of the income from these sources. according to the representative of syria

in the united nations, the financial damages caused to the people of this country reached 115 billion dollars only in the oil sector, and damascus considers the united nations responsible for holding the united states accountable for returning stolen property to the syrian government. he said: america and turkey continue to violate the sovereignty and integrity of the syrians with their illegal presence in syria and support for separatist militias and terrorist organizations. general martyr memorial ceremony, i'm sorry major general martyr ab shennasad and some other martyrs were held in farhang sarai andisheh. in this ceremony, which was attended by some military and national commanders and the families of the martyrs, the family of the martyr abshanasan and some other martyrs of the holy defense were honored with donations. also, in this ceremony, the statue of martyr abshanasan was unveiled. he became the martyr of abshanasan, a great martyr, for whom

the accursed saddam defined a precious award for his head. after this noble martyr wrote a letter to saddam saying, "cursed saddam, you are destroying cities, killing innocent women and children, if you know how to fight, come with me on the shahrani front." fight with the army of islam, fight with the loved ones of the army, and with his humility, with his strong trust in god, he was able to make us all indebted to him with full authority in front of the oppressors of the world in his era and today.

the final statement of the international conference on dealing with sand and dust storms was published two weeks after the meeting was held. this is the statement. 17 bilateral meetings around this. this led to the proposal of the convention the creation of a convention to deal with dust storms in the united nations, which is a great achievement, the necessity of creating a regional environmental organization was emphasized here again, it came as a clause to create a regional environmental fund. iran , as a leading country in the field of dealing with dust storms and storms, fortunately came here. 4-

day deadline for the us congress to approve the government budget. if congress fails to sign some of the budget laws by september 30, the president of the united states approves the shutdown of the biden government , an issue that faced biden's reaction. now we are faced with the mischief of the republicans in shutting down the government. this is a blind act and i condone it. the delay in government payments is about 4 million. military and civilian employees to thousands of private sector contractors and forced leave of government employees, and each week of government leave costs the us economy about 6 billion dollars. opponents of this budget want deep cuts in domestic spending as well as support for ukraine with

biden's $300 million budget. central bank in its report last week, the united states pointed out the slowness of economic growth in the future. at the same time , the federal and local governments in wash. are preparing for a shutdown. russia warned about the action of the united states in training elements of terrorist groups in the tanf military base in syria. an official of the russian ministry of defense announced that the armed forces in the tanf region are training subversive groups with the aim of disrupting the situation in the southern regions of syria. he said: the commanders of the russian forces in syria and the commander of the syrian army will take necessary preventive measures to prevent such actions. and at the same time as yom kippur it is called the day of forgiveness, hundreds of zionist settlers went to

the al-aqsayr mosque with the extensive support of the security forces. the time and place division plan of al-aqsa mosque is about a dozen, which the zionist regime is trying to implement. they closed the entrances, the worshipers and the guards of the al-aqsa mosque beat them so that the zionists could enter instead . the zionist settlements have been in the city for a few days as the excuse of eid kippur, the day of atonement. god has gone to the al-aqsa mosque . the ceremony of the jews is part of the torture against the palestinians. youths and supporters of al-aqsa mosque were arrested in the premises of this blessed mosque and even the al-aqsa mosque is closed on the so-called day of forgiveness and traffic and life are blocked. even the residents of this city

are not allowed to enter al-aqsa mosque to pray. the old area of ​​quds is closed because the shopkeepers cannot reach their place of business. mashhad, seeing these scenes is painful and provokes emotions. all residents of quds believe that action should be taken against this arrogance and stubbornness. without al-aqsa mosque , there will be no dignity for the palestinian people and the muslims of the world. quds islamic awqaf administration announced the regime zionists are looking for the temporal and spatial division of al-aqsa mosque and changing the management of the mosque. time and place division plan of the mosque. sharif was presented by the zionists a decade ago in the form of a bill to the knesset, based on the time limits for the presence of palestinians in certain parts of the mosque. sheikh sabri khatib of al-aqsa mosque has warned that

the invaders have crossed red lines in attacking the mosque and should leave it. quds is the meeting place and inspiration of all muslims. we will remain in jerusalem despite all the obstacles and measures that prevent us from reaching al-aqsa mosque god willing, we will remain sincere for this mosque and for quds, we will stay here until our last breath. if their plan is implemented, al-aqsa mosque will be recognized as a holy place for jews . saeed zannah khabarari

, the head of the central bank, emphasized that commercial banks should mr. farzin said that corporate ownership of commercial banks is not acceptable and they should let their own companies know that what does corporate ownership mean at all? what damage does it cause to the national economy and

how should the mechanisms be defined in order to achieve what the governor general of the central bank has pointed out in order to achieve important goals? in the section of the national economy and the banking system , to be clear, there are issues that we will discuss in tonight's news talk. two live guests will accompany us in the studio tonight . mr. maisam khosravi, an expert of the majlis research center, and mr. tohmas be mazaheri, the former head of the central bank, who will be added to our group in the next few seconds. allow me to say a greeting to mr. khasrati. hello, i would like to serve you and the viewers of the program, god willing, it will be a useful conversation. if we want to have a division right now between the company and buonga.

what is the situation we are in and what we are talking about tonight, that is , the bank ownership of banks in the banking system , what harm does it do to the economy of the country. or they are going to invest themselves, well, of course, the first part, that is , financing based on capital, is not the subject of today's conversation. there is, that is, the bank itself in relation to investment acts directly or by legal partnership, these are the most important examples, in fact , the banking of banks, but there is also an example , which is now mostly from the people, or for example, suppose that the public space is interpreted as banking, it is the keeping of

non-promised assets of banks, so non-promised assets and capital the direct establishment of legal partnership is the most important example of bank management. thank you very much for being a special news interview tonight. with this short introduction that dr. khosravi mentioned, let us also say that mr. dr. mazaheri , the former head of the central bank, has also added to our group. i greet you, mr. doctor. hello and good night to you and mr. khosravi and dear listeners and viewers, thank you very much for allowing us to go to the first step of tonight's news discussion with the short introduction that was said about banks' corporate governance and to see a report of some banks that are really banks. there are commercial banks and they are doing banking, well, we have a fundamental problem . today, the governor of the central bank warned about bank banking . some banks, whose work is purely commercial , are doing

bank banking. this is not correct. but why banks turn to banking? banks were interested during the years after the revolution. they get an id for themselves from the fruit of inflation in the country's economy, and this has led to the fact that, unfortunately, we are witnessing a certain scarcity in our economy. when we talk about bank hoardings , we mean hundreds of empty houses. which some banks have hoarded. there are 3 banks that have more than 10 empty houses. they say more than 10 to 20 to 300 to 400. when we talk about bank debt, it means 21 thousand billion tomans that the banks give to the company they have given loans themselves. tourism bank, with a violation of large loans more than 9 times the legal limit and giving 40 times more than the allowed amount of loans to related parties of the bank, as well as aindeh bank

, with granting more than 6 times the allowed amount of large loans and more than 800 times in payment of loans to related parties, when talking about corporate governance, it means the 74 thousand billion tomans spent by eindah bank in iran. eindah bank has 1 and 6 of its registered capital out of 16 related debts, that is, 70 times its registered capital . according to the law on removing barriers to production, banks they have to hand over 33% of their property every year that is used for other purposes. also , the central bank, through a circular in march 100, prohibited banks from any direct or indirect banking. creation of enterprises, yes, enterprise management, 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. they are increasing the number of branches because it is a sanatorium for their own people . i was passing by a place in tehran by car. we were on a long wall. this is the wall. i asked who does it belong to. what is this big organization? they said yes, it is the owner of a bank. well, this bank is wrong to do such a thing. what should it do? we have agreed to this report regarding 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 various plans related to it. recently, it was installed, which

was taken down after four days without any explanation . we will talk about this issue, mr. khosr, continue we were talking about the different effects and divisions of bookkeeping and corporate ownership and the difference between them and this financing based on capital . let me give a very short introduction, basically, what is expected from the bank and how it serves the economy. the bank's task is based on credit. in fact, the credit is obtained from the applicant for the facility, which is mainly from the creation, that is, the measurement of the possibility of generating income for that person, for example , suppose an entrepreneur comes to the bank and says that i want a loan, the bank comes based on that. i want the connections based on the credit of that person

, the credit means how much income they can generate , in fact, how much work they do, in the common sense. it creates money, creates credit , and provides it. this explanation that i gave, if you pay attention, actually has a very central pillar, and that is that the bank based on the validation of its customer's creditworthiness plays a very important role in the economy. and if it is profitable , it will be chosen by the bank. this leads to economic growth and indeed prosperity it is produced, but if a customer comes with motivation , now he is not a fraudster, so he has no innovation. 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 to be allocated credit in fact, he will receive credit , if the bank abandons this monitoring process and starts investing himself, he will apply for credit himself. practically , there is a disruption in the allocation of bank resources. the bank that is applying for credit does not monitor itself, it gives facilities to itself. practically, the most important damage that is caused by slavery this creates a disturbance in the competition. a branch that is not a branch of the bank does not have the same access to credit sources as a branch that is a branch of the bank. the most important task of the bank. in fact, the recognition that it is credit evaluation and monitoring of customers disturbs banking. this is actually the most important problem that banking has . in fact , it causes deviation in the allocation of bank resources. mr. dr. mazaheri, what are the motivations that make banks go to bank banking that doing now, either

directly or indirectly, the most important damages what does it do to the country's banking system and the country 's economy, mr. dr. khosravi ? investment in itself is not an important thing, it is important that we seek to increase production , and the prosperity of production is the basis of the economy of all countries, including our country. this can only be achieved through investment. from this point of view, giving loans and loans is also an important task. the problem is that the bank is not created for business investment, its task is this.

no, if he does this, he has done something that is not his duty. normal companies are also not suitable for lending. whenever we came to this issue , we found that a group of organizations were disrupted to do something that was not suitable for that job. where yes, i have , i have, i am talking from the point of view of the logic of the division of duties that there was a time . now let me say that corruption is a source of enormous problems that they were not made for lending to education. banks are not made for corporate investment, so this

should be prevented. what the central bank has started now is a right thing. but a bit late. it means that our economic system is affected by this disease. this day is coming when this disease has become a disease. guaranteed any chronic disease can be solved gradually. in my opinion, what the central bank does in approx. for example, 6-7 months that he raised in the media and in public. it had started earlier than this. a good work that he has started is a work that the right thing is going on and you as the media, me as the research officer of the country, we should all help the central bank to succeed in this work, mr. dr. mazaheri, you said something

, you said that it is a chronic disease that needs time and it has already been given, now there should be a suitable mechanism to ensure that every chronic disease takes time to be treated, and a very serious problem, that mechanism is very important, tell us how that mechanism should work, how should it be defined in this meeting, one of the bank managers who, for example, is concerned with this issue they must have said that our lord is also from god let's give our companies away , we are not given the space to do this, yes, because part of the banks' greediness is due to the fact that the government asks them to keep their companies. i don't want to give many examples now. there are many cases where a bank has to make its companies or

immovable property fixed assets. he refused to sell himself. but due to the fact that there was no purchase for him, so to speak , a queue was formed in the market, a queue was formed immediately to tell the bank, sir, hold back, because this sales page will lead to a decrease in the share price and the market index. the capital is going down, mr. dr. mazaheri , i was talking at the same time as you and the president's speech that you broadcasted in our report. you say that the government wants this to happen in some places , that is, the government

does not allow some banks that want to sell some of their properties, you, i don't want to defend the banks, i want to say that this chronic disease needs to be gradual. first, i said that it is a disease, a disease that implies this to be clear and i am not defending this, we must have seen it, especially in the previous year in 1401, the capital market index decreased and fell. in many cases, the government told the banks to collect shares. why, so that the indices do not fall further, banks? obliging either the bank itself or from the government companies means you are pointing out that there are economic consequences, the government is coming to control the economic consequences, and yes, i will say my word, the word will be concluded, please also

provide time management, mr. doctor, yes. check your news in 401 so that the government doesn't make the stock market index in order for the stock market index to fall more than it did not, in many cases, either from the sources of the banks or the banks themselves, they find a mission to put a quota on it . that was the right thing to do at the time, i'm not saying it was wrong. because if they didn't do this, the stock market index would have fallen more than it did before, and there would be another loss. now, let me go back to the question you asked and explain the introduction of your question like this. there are two types of bunkas and three ways to enter bovungadari. the first method is the worst and should

be avoided as soon as possible. yes, mr. raisi and mr. farzand, you and i should both take action and we should help. the banks invest for themselves instead of transferring money to those who want to invest from the resources they collect from the people . doing this is the worst, ugliest and most incorrect way that the banks will say to themselves, mr. mir , they are behind us, mr. doctor, whenever i have to interrupt , tell me that i will interrupt, but let me be the second and the third one to say this way. because here in front of him it should be taken with a circular with an order that is according to my law in the law on banking without usury, which was approved about 30-35 years ago, it was clearly said that any bank that wants to make direct investment, case

by case, must be approved by the monetary council and receive credit on a case by case basis. credit should not allow anything else. many of these investments have the permission of the poltaba council, which means that the bank went to get the permission of the poltba council and invested . the first thing they should do is that the credit council does not allow any more. the second is that the bank belongs to your company when they give a loan to a customer, that customer is either a company or, for example, he buys a house or puts a mortgage on the house, he cannot repay the installments , the bank will inevitably take possession of the property that was the collateral of that analysis, so the bank should be able to take possession of it if the customer if he can't do this , he should do it, but in this second case, mr. farzin , i think i prepared the circular and issued it

. they should take this seriously, if a bank goes and acquires a unit, because of the principles of its claims, for example, in a period of 6 months, 9 months, one year, it has to be sold, it has no right to keep it for he himself turns it into a sumish capital, what i said, because the government sometimes has some interest, it has a task that it wants to tell the bank to do, or to support the capital market, it tempts the bank to go and give its resources . in this case, the third solution is for the government not to do this. instead of forcing the banks to go and give money, the government should collect this poison so that its shares do not fall. go to the market and fix the capital market.

let's talk with you again about solutions and removing obstacles, sir dr. khosravi, mr. mirad, director of the banking system health assessment department, mr. mirad has been added to our group. i greet you. please give us the statistics, mr. mirad , about the management of the banks. leaving in the name of allah, the most merciful, the most merciful, greetings, courtesy and respect to you, mr. dr. mazaheri, mr. khosnavi and all dear viewers, i am correcting your last name. yes, please. first, let me serve you, then the door communication with numbers and figures