i greet you, mr. big installer , we are with you. in the name of god, i offer my greetings to you, my dear colleague and all the viewers of the mez ekhozat program, we had in the news that until the end of shahrivar 1402 , that is, the same city we passed through, there is more information about approximately 2000 hemats from the education of the big clans , approximately something like 36 educations. it was published, we want to address this in the economy table, basically, what positive effect did this transparency have on the process of regularization of banks, the process of education and the return of time, but our time on channel 1 is over, all viewers should be invited. if you are interested in this discussion, please watch us on the news channel . thank you. well, i told you that we want

to have the economy table together today regarding the transparency of banking studies. if you remember , the presidential election in 1940 was one of the the candidate has this form in his hand, he said that mr. candidate, corresponding to this list of the recipients of large sums through your debtors, deal with them and these are in your presence. this paper has now become a system and a law that all banks must tell the bank whatever they give. central bank to announce and please show them in morraz with your presence the public puts it, but in the last one or two years that this law has been implemented, for example, 50% of it was implemented last year, this year a part of the banks remain. if we look at the statistics together, we will understand what kind of situation we have and how much education has become clear . obviously, banks in general, since we are talking about the education of banks, out of the 10% that banks receive education, 70% of them receive education, about 30% of them are educated, which we don't have much to do with, but in general, how much do banks spend per year?

we are talking here in september 1402 something about 530 thousand tomans 530 thousand billion tomans is the sum of money that is available from banks' payments, but how much has come to this stage of clarifying 195 tomans and how much is left, approximately 3432 tomans is left, which should be made clear to everyone that these banks mean all how much education is given? let's see together, let's see which bank has the highest number of clarifications, pasarga has the first rank, 393 of the studies that clarified the data, then the export industry came in the next ranks of bank shahr, for example, the last one clarified 13 of its studies. let's see the next picture together, of course, we can't make an accurate judgment here, because a bank , for example, basically paid more fees , but here we can see that this is more accurate . here you can understand which bank has a larger share of

their own education. to the extent that lending, for example, export development bank, tourism bank, and capital 100 means that everything that comes with big data education is made clear to the people , until the next banks of pasargad ekhtosannamian city of iranzmin, which publish more than 80% of the education they gave to their recipients. all we know what is happening in these banks, but this was positive information , the central bank has published what has been done, but naturally, there are banks that do not make their education clear. the national bank of 21 parsisian refah director 18 will come to this end, which banks are those that are under 10% of postbank 8 mellat, 30 future banks you have, that is, none of the studies that da has published in his macro studies for anyone, but again this happened in the example the positive side as we said

you can't judge like that now, maybe they have given more education or less , the percentage is different. let's see the next picture together . it tells us which bank has given more education compared to the education it has published. well, we will see together . the highest amount of education is not clear for which one. bank, well, from onur bank parsiano, we have 176 agriculture, 179, housing , 199, and 199 will reach bank mellat , which is 1014, a large number of the amount that has been published. one of our biggest banks that if remember that 5 banks will be merged for 2019, this should be updated, but basically , from this paper that i presented to you at the beginning , we have come to the conclusion that we now know the whereabouts of approximately 40% of the total education provided in the banking network. what are you getting and many other things are confidential and i would like to be in your presence, if we agree, let's go and see the report together , come back, start our conversation

, there are big ones in the central bank's supra-instrumental committee. with all the tools for extrapolation the bank rights, which are actually the people's deposits, should act on the promises that extended to the 13th presidential election campaign and were unofficially implemented symbolically because mr. raisi had announced that you have given them. i will give you the list of 11 people right now. mr. raisi, if he was responsible, why does he want to give this list now and in this dispute, why didn't he give it, why didn't he fulfill his duty , and if he shouldn't give it, what will he give it, then it was because the publication of the list of information about the large bank collections, including the collection collections of super debtors, for the first time burden to a legal clause in the budget law 1401

the balance of large deposits and obligations and the amount of payment was converted by the end of the first quarter of 1401. it was expected that the first list of large bank loan recipients would be published on the 20th of farvardin. the first entries in the table had empty spaces. but the revision and subsequent lists were more complete. although with delays of several weeks. it was the first time that at least half of the banking network was made transparent. dissemination of unscrupulous people or bank super debtors. these transparencies are happening in this period , not like before. with the re-approval of this law in this year's budget law, transparency. in full banking macro education a three-week deadline was given to the central bank to compile the information of each quarter. now, the information of more than 1955 thousand billion tomans from the large banks' deposits until the end of september this year is in front of people's eyes. only the names of 11 cases

have not been published, and in addition to the judicial branch, individual people can also see the bank super-debtors on the central bank website. the center has been publishing information about the data cloud of the bank for a year. if it has done this, we would be grateful to it. we are looking for this work. we thank god that the debt cloud will be dealt with. it is good that this will be a lesson for others. super-debtors who want to be added to this list according to the budget law of the central bank for this year must submit the list of macro-banking studies to sarah fazli of sedav-sima news reporter at the latest one week after the end of each season. i am present here in the economy desk studio of mr. rahakshah, the program's economic expert

, and mr. izadpana, the deputy of the bank information department of the central bank, has been added to our group online, and we will talk with them. are present and we will have a conversation with them, i will start with everyone and talk about the legal basis of the question that mrs. ranjbar has asked, which is basically based on which law the banks are required to provide their information to the central bank and the central bank should publish them. in the name of god, greetings to you and all dear viewers, yes, the issue of transparency of higher education and related parties was included in the budget law since 1401, and the central bank was obliged to share this information, although the release of this information was accompanied by delays, but in the end a really good job done by the central bank and for it was the first time that this information was published and by the end of the year, the information about 50% of the banks' deposits became clear. in fact, the issue of transparency

was also taken into consideration by the legislator in 1402 and was included in the budget law of 1402, with one difference. although this information was released last year, the central bank was given a 3-week window, which means that now the central bank of salal is obliged to publish this information within 3 weeks after the end of the conversation . the opportunity of 3 weeks has been increased compared to last year, but the work is still accompanied by delays it is positive, but as an example, if i want to serve you, i would like to point out a case today , which is november 16th, the information on higher education and related parties for the summer season should have been published by october 21st, but until today, 26 banks and related events have been published by 27 banks and one

the bank has not published any information on the education of the students and related persons either for the summer season or for the spring season. thank you very much for your explanation, ms. ranjbar, journalist of the bank and insurance group, broadcasting news and radio, mr. rahekshaei, please tell me the details of this information that was provided by the central bank. published by the bank what does our analysis tell us about the numbers we are seeing? in the name of allah, the most merciful, and the most merciful. greetings to you and the viewers, as it was in the report, the movement is very positive. so far, we have been able to reach about 200 we will clarify one thousand billion of large banks' deposits to the general public with the cooperation of the central bank and banks. this action is a forward-looking action. there are two debates, one is about the quality of information release, which is a debate about not delaying and publishing at the right time is a debate. the issue is that banks publish accurate information. because to in general, when we review the activities of banks, now the published report of the banks

that cooperate is characteristic of about 80, in the least case , 60 to 70 of their loans are large loans, that is , they lend very large amounts to one person, and this should be in the form of this law. to clarify, but for example , you can say how much we have, about how much you are talking about, see the entire set of education that the banks gave until the end of september based on the latest. an estimated amount of about 540 thousand billion, of this amount, about 200 thousand billion, that is , to be more precise, 195 thousand billion has been clarified, but waiting this is that if the law was really followed, the amount of effects that should have been made clear is more than 4 thousand thousand billion, that is, from that 500 to about 4 thousand thousand billion, it should have been made clear.

over 90% of their effects have become clear, and most of the banks have about 70-80 effects. he made it clear that 3 percent is compared to the average of the rest banks, which is about 80-75%, is a very large number, which seems to be non-minute, since we don't have information from the inside, we can't comment with certainty, but if one bank only clarifies 30 of its effects and the rest 80,900, it seems that this information is very precise. based on that average figure, it can be said that this figure should reach twice the general amount, which should be clarified , because this amount of lending is not our question. see now, the central bank is currently implementing a control policy to control inflation

it has put some education on the agenda of the banks, well, this clarification of the macro work will definitely help the central bank to be able to implement this policy correctly, and for this reason, it is expected that the banks that release what in the schedule if the information is inaccurate, i will face a fine if i do not cooperate . hello and have a good time dear sir and dear viewers, i would like to inform you that based on the laws and regulations that exist, now the budget law or other laws that exist, we have about 17 education statistics and we inform about them on the central bank's information platform.

now sometimes it is on a monthly or quarterly basis that these statistics are being published, and now the quality is based on what the legislator has specified . there are times when we have to publish the information on paid education and there are times when the balance or performance of a law or we should specify a note based on those rules the cases that are mentioned above, these statistics are obtained either from the internal systems of the central bank or through the banks, again through the systems, but through the kartabal that has been made available to them, this information becomes public and after an initial refinement it will be uploaded on the site and it will be published. the publication of large studies in general, for example, for the last year until now, as we are talking today , what positive effect did it have for the central bank as a policy maker, as an observer, how much did it help you? transparency in all

fields does not matter whether it is the central bank or anywhere ok, it definitely helps the country and that policy-making institution . it is the same when we publish these statistics and put them on the database. now, the statistics were available to those institutions, but they became available to the public when we put these statistics on the bank's website, well , this happens automatically, as the famous saying goes, that those who did not receive this education, and sometimes now some cases there are those who, for example, are lazy in studying when these names are published yes, it will help them to be encouraged to continue their studies

. for example, let's give a general statistic and say that this happened, for example, from such and such a percentage , you didn't check that, for example, this work that was done is the result of the overall process in such a way that in the last few years, our temporary demands have been reduced, one of the policies these are the broad concepts of politics there is a bank next to it, there is the issue of validation , there is the issue of closing the system of payment of utilities, or there are other issues that all these things are a package . we should have a reduction in arrears and this discussion of credit allocation will be fairer, over time and in the right place, that education will be paid . there is a point that exists, even though we are talking now that this is a positive and desirable thing

, but sometimes we see that the information it is published irregularly due to the extra time given and all that we are talking about how many banks are saying that their information is not fully transparent, what is the reason for this? look, first of all, let me tell you that here at the central bank, we are most careful that the statistics we publish are correct statistics, as much as possible . check this information later. if there is any information from the relevant bank , it will lead to correction, and finally , when we reach a relatively favorable figure , we will publish this figure. it was mentioned that four banks the information does not need to be monitored

, it seems that you should not have it. the central information bank has sometimes had a problem that at the time of publication, we came to the conclusion that those things should be corrected for the time being and that the detailed information should be published later. we will report to the authorities below and we will deal with them differently. what is the problem with the development of the cooperative in the future, and saderat bank, these are the four banks whose information is with us, but it has not been published yet. let 's say what exactly was the problem

, i was talking about the samat system. well, over time, when we complete other systems, we will complete the system of people's relations if we can , and we will complete such systems. let's hear the connection, that's when we can say that we can extract this information from inside the hearing system. now, the information that is in the samad system is based on the amount, if we want, for example, we can. let's do it, we can report based on each person, but this study, the study that was assigned in the budget law , sometimes has a series of information fields that are not available in the samad system. see, we have 100 information feed fields in the samad system, but 10 information fields are sometimes possible. let there be another field that has not been seen in this system, so update the system

the system is carried out at certain stages and requirements are collected, but according to the opportunities it had and the task that the legislator had done that this information should be published quickly, we published information from another platform, one of the other systems, and on we have put up a website. can you promise that from now on, for example, the information about the autumn season , which we are almost leaving now and is about to end , will happen and be published within the same legal and prescribed deadline? see the policy of the central bank in the discussion of speeding up the sending of statistics. the ones that exist in the form of a policy are as follows correspondence directives or god forbid disciplinary actions if necessary. it takes place and we receive your assets through this platform. another policy is that the systems that exist inside the central bank will mature and be completed over time, and we

will no longer need this to receive information and publish them. we want to collect any information from the banks and have this information available to us at any moment. we have these two policies and we will move forward . which the honorable legislator had explained to us, so the banks should gather this information and upload it in the format that the honorable legislator intended . it turns out that at this specific point in time, they should prepare these statistics. this is the case in terms of directives and tradition . from the point of view of statistics, we are at your service. from the point of view of the system , i told you that the system will be completed over time, and god willing , we will be able to obtain better and more accurate information. we will publish this future that you are talking about

how much more can you see, the discussion of the systems that i am referring to is a series of central duty cases and is at the disposal of the central bank. unfortunately, i cannot give a specific time because some of the cases, for example, the system that i am referring to, are not available to the central bank. thank you for the information . thank you very much. mr. raksha, now you are an economic expert , and you are analyzing the names of the banks that did not come and did not clarify their education in the previous seasons . yes, now , as it was said, it can be said that this is the general movement the transparency of large-scale interpretations, which started from the beginning of 1401, is definitely a positive action by the 13th government and centrally, that is, who is not in this , and it was a positive action.

the budget law came into effect, and then the central bank must have cooperated. it was on behalf of a number of young people who were concerned about having worked and the importance of this clear big vision, because of which i am going to tell you now, they know what its benefits are and brought this . and trying to move forward, and this is a strong point that can be made from these effects. in general, look at our banking system, whose main task is to serve production and finance production activities, and finance is also provided through education. now , there are other methods, but there is no place to deal with it at the moment, so why are we talking about it? we are sensitive to the education of the banks, that is why these educations should go in a direction that is of public interest and create a boom in production. this clarification of who is receiving these educations will help a lot so that we know first of all , we as analysts and the expert and the representatives of the central bank, the parliamentarians, etc those who are involved and have the responsibility to know where

we are in the financing of production, what are the companies that do not have a role in production and are receiving education, and how much education are received by each of the companies that play a role in production. this is in addition to being a deterrent. it creates in the banks themselves that giving education to companies that cannot be defended, not giving them education in those companies that receive education also creates this deterrence that if it is even possible to get education for activities such as shopping assets in the real estate market, width, etc. can be take action and get facilities, maybe it will create some deterrence for them, because we expect the banking system to direct the financing resources towards the productive activities of industrial sectors and service sectors, and not those companies that are only looking for buying and selling a they are right and they are looking for profit from this place. this is our general expectation and macro transparency also creates this deterrence , but the first step that has been taken is good, but we expect

that this process which they say should be checked and confirmed, the information is definitely necessary. at all, the legislator has considered about 21 days for the same most of the banks will release their information at the same time, but the expectation is that those banks will delay this month after month. a process should be considered to prevent these delays and in addition to those banks whose information is very incomplete, i.e. a bank reports only 3% or a bank reports less than 20% of its education, while now the representatives of the central bank they know better that these same banks probably have 70 to 80 percent of their large facilities and work with clients with large clients . their account is separate from ordinary commercial banks. and it doesn't give to the general public that they follow the rules of education in kolna, what is determined by the law and the existing approvals, but we

can find out or have seen this in this information. what has been violated from these existing laws, as an external observer, we never have accurate information about the total amount of the total number of banks, but in the same reports , we see a bank . like pasargad bank or a bank like middle eastern bank's new economy bank, these are over 80 above 90, clarifying your connections means that it is clear what kind of education they are giving and this return that we are making is happening to these banks and their customers, but on the other hand , there are banks that i said 3%, bank mellat or below 20 %. 20 like parsiyan bank maskan, bank saderat bank, tejarat bank melli, well, this is not logical, it seems that these banks must also move in that direction and this justice should be established even among the banks themselves, because if it is not done, what is the root of it , i cannot with certainty i should comment on it, but

it is probably an institution or a person i have not seen that it becomes clear, at least in the current situation, so if these banks that cooperate are not encouraged and those banks that do not cooperate are not fined, even the good process of those banks may be stopped. these banks that you say have been delayed , there are some problems in their statistics, are they supposed to be dealt with according to the law? let me tell you that from the central bank's supervision department, i have to tell you that if a bank does not publish information, colleagues will definitely check it and take the necessary actions with them. even if, for example, they give information to the supervisory authorities of the central bank, if it is necessary, and if the legislator has a case, it will be announced, and the information and statistics

will be sent to you. the framework that we have based on the cases that are announced, friends will check if there is a case and come to the conclusion that it should be dealt with in those supervisory and disciplinary committees or commissions. because now i can almost say that this process was new. it was the first year. we had reports that we announced to the islamic council that, for example, there were banks that did not send information about which banks . i don't have the presence of mind right now, but the fact that the statistics have incomplete information according to those laws and regulations and according to the framework

that was intended for us for these four banks that you mentioned, is it from your investigations or from the delay of those banks in sending information . you do not see the information sent it has been done, but there are times when it is not done within the framework that we assign, that is, we consider a framework or the legislation considers a framework . i would like to thank all the good viewers of the mez ekonom program, who, as always, have sat with us until this moment , for sure, this issue of verbal criticism, as it has been on our agenda until now , will be on our agenda until this information is completed and reaches your opinion . thank you very much for your companion let us take care of you.

dear viewers, in the name of allah, the most merciful. hello, welcome to this news section. the system of transferring shares of equity shares of the deceased to their heirs under the name miras was operationalized in kish with the presence of the head of the stock exchange organization, the secretary of the supreme council of free zones, according to mr. eshghi varas , the deceased equity shares in the first phase of this national plan can go to branches. selected employment companies across the country can refer to one of the