[000:00:00;00] this trust has increased between businessmen, between economic activists and ordinary people, because this paper is no longer the same as before , for example, anyone who comes and wants to easily draw several checks, then we go and find him, we cannot get our money, of course, this is not zero. but, of course, as mr. chairman of the central bank pointed out, the governor of the central bank has returned to checks . our time on channel 1 is over. well, you are with the economics desk, all these explanations

i served you, it is equal to the statistics that i want to show you now, let's see what happened in the czech area, the most important thing is that, for example, if you look at this statistic from 2016, what does it show us, it says that every day we have 10 related prisoners we had a check, that is, for example, from the morning we started the office hours until now, when we are at 3 o'clock , we are talking to each other for about another hour, about 10 o'clock in the next hour. we are talking, what happened? we reached one prisoner every day, which means 10 of you every day we have reached 3 days of a prisoner. the number seems to be a very reasonable number. you can see the decrease in the number of prisoners . you can see how much it has increased. let's see the next statistics, let's see what the people are doing. we have a decrease of 96. this is the statistics of the central bank. we have a decrease of 96. in the number of prisons that i showed you, since 1996, 10 people

were going to prison. now, what happened in 1000 , 2 years later because of the implementation of the trickle law , one person goes to prison every 3 days, of course, this is every day there are too many people, the idea is that, for example, we don't have anyone at all, we had a 60 % reduction in the number of returned checks to an exchange, and a 500% reduction in the amount of returned checks to an exchange, that is, from april 18, 2019, we reached 7, 8, and in terms of the amount, we went from 20% to 10%. this shows that until now we have reduced the ratio of bounced checks, the amount of bounced checks, and the lives we sent to prison for checks, but how many more people are using checks now that we have talked so much. prisoners have decreased in value, according to the central bank's statistics what does it show , what does it mean that we had a 40% increase in the use of exchange checks? that is, in april 2019, 60 checks were drawn by people, and this number reached 100 in may

2019, which means that this year it reached 8,600,000. in addition to reducing the number of prisoners, what did we do to reduce bounced checks ? it has become a more reliable tool , it has been used more in our transactions, and 40% of people have more trust in checks and use the new check more in their exchanges and in their businesses, and we have a 92% decrease in time. fixing the bad effect of the check, naturally, in your business activities , in your daily work, check. when you came back and met him, i explained to him first , and i explained to you that many of the businessmen had so many checks that i had no hope that they would pass, but what happened in 2016, if you wanted to make a check, it took about 36 days i mean, you should have been waiting for more than a month, what happened now ? in less than 3 days , i have prepared a report for you from colleagues in the banking and insurance group . let's see it together

. we will come back and start our conversation with the guests of the program. we had people he cheated 7 billion, i went to the bank and asked why we gave it to him. he says that it has nothing to do with us . the papers that one day became a disaster for economic activists, i have a check returned , my friend. we had so many old checks for 10 years. according to statistics, up to 2017, checks without a place were the second issue of legal cases entering the courts and the fifth obstacle in the business space. on average, 1256 hands were returned in our system. that we are delayed because i will give it tomorrow, i will give it next week anyway kurd, i have been going to these courts for almost 3 years now. it is a tool for transactions, the law of which came into effect back in 1955, of course , it was accompanied by amendments, but these amendments did not respond to the volume of transactions. the check law

was from 40 years ago. . the last amendments to the czech law were related to 15 years ago and there is no compatibility with the stunning advances in information technology and communication , electronic banking and supervisory systems for financial transparency and control in order to prevent and deal with economic purposes in recent years. load only for these checks it would open immediately. 10 people go to jail every day for having checks, these things finally dragged things to baharestan in 2017. what we did in this project is the types of improvements that it has, one is to withdraw the issuance of checks from the hands of commercial banks and concentrate it in the central bank of du manod. making checks valid as proof , registering and registering its information in a systematic way to reduce

the number of bounced check prisoners by preventing the issuing of bad checks. now, with the approval of the representatives , both the issuance of bounced checks and the number of prison admissions have been reduced during the month of behesht this year. according to the central bank, 80 returned checks will be canceled within 3 days, which means that only about 2% of all exchanged checks will not be canceled within 3 days , and it will probably lead to the filing of a court case . for 80 of the checks, it was about 45 days, now it has reached about 3 days. now, with this new law , the debtor has to run after the creditor for some time. razi ranjbar, sed and sima news reporter. we saw my colleague's report together. mr. moharrami, vice president of new technologies of the central bank , is present here in the studio of the economy desk. also, mr. ghorbani, the president of the courts

tehran revolution, we are at your service. mr. pajmanfar, the head of the main commission , will be added online. greetings to all the guests. i would like to start with mr. moharmian, this is the question of mr. moharmian, what do the statistics tell us today and what brought us here. we have received that today mr. farzin, the head of the central bank, announced that the check is now a reliable means of exchange in the name of hazrat haq. we had mr. dr. farzin and also, mr. dr. zarour, as two key speakers, actually said some things in this conference. the very important point is that wherever we have moved the services towards electronicization and actually removing human resources and also becoming non-personal , it has been a really useful action and

has brought people's satisfaction. we can see this in different places, including me, now i will give you a statistic, 98% of banking services, which before corona was almost 96, this issue, the corona virus , had a great impact on this. in fact, the increase is now 98% of banking services are electronic. it can be presented, well, the statistics are very good, and of course it should be continued. for other cases , let's say, the really progressive laws that were introduced in the middle of 2017 and really put pressure on us because the work was very heavy, there were 17 projects. millions of people worked hours to do it. it required extensive coordination between the central bank and the network. well, fortunately, this was done well. now, this is a memory and we have to check the results . so, let's go to the statistics. we operated 1400 projects, the number of checks

which came to the number of new checks that came to the market was about 12 of the total checks, today as we are talking, more than 90% of the checks are new checks, we have limited the old checks only in bank s, the issuer. he reviewed them and gradually, according to this limit we set, it seems that soon old checks will be completely removed from the market . about different months, of course, the natural qob is different . last year, we had a month below 7.88, it was not a record yes, yes, there was no record of the number of checks being returned below 7. before 2019, i said it was over 20%. actually, now the numbers

have increased a little, but it was over 20, that is, out of every five. until the check is returned, the statistics were so bad that, unfortunately, the check was gradually turned into a normal paper. now, there are about 30,000 to 40,000 accounts per day , of course, they belong to a smaller number of people the number of returned checks is less than 30 to 40 thousand. it is being blocked in the banking network because the check was actually returned. well, this has caused the person who previously issued the check to run after him, saying, "sir, come here and give me my money ." according to him, the average time from about 37 days for 80 returned checks was 37 days. previously, it reached 3 days, which means that it does not take much time for the form to be settled, and in short, the debt that the party has to pay

seems to be good. which is a much better condition people, actually we were very worried about this issue that all these blocking of accounts would not create a problem for the market for a while, which turned out to be completely the opposite, that is, the consumption of swather increased from 37 days to 3 days, 3 days. yes, this is the number i mentioned it is a very good number, at the same time, we also tried to learn the next process . dear members of the judiciary, friends of the parliament, they helped us a lot in this matter with the legal advice they gave and the letters they sent to anyone, because if the party there was a very small balance, a very small deficit, it had to be completed, they forced people to do so they should deposit approximately the amount of the check and then it will be resolved. fortunately, we solved this and people's use of checks has also increased. people's use of checks has increased.

we have that situation, for example, some of us like farvardin, when the business is always used less during holidays than in march , what about these prisoners, you are asking us about the year 96, if we consider the working days, there are almost 300 people. in fact, life means 10 people per day we did the statistics in this order, well, the statistics were high, especially a large part of these were women, as you know, every person who goes to prison , a lot of people around that person will have problems . when a woman goes to prison, these problems become even worse surprisingly, the woman is the pillar of the family, and in any case, many problems arise, most of the female prisoners are also related to the fact that the statistics we had in september of last year reached 15 people per month, or in fact , every two days. one person in may this year

, majd hazam, disturbed the dear ones in the prisons affairs organization we found that the statistics had reached one person every 3 days, and the statistics for ardi behesht was our month, there were 9 people in total in farvardin and ardi behesht, and there were 18 people, one of whom was only a woman . it has happened and naturally, if there are still problems, we are going to investigate and fix it as soon as possible. thank you, mr. ghorbani, as our president, the ruler of tehran. you were not, on the contrary, this happened and judicial cases it has increased in the area of ​​aceh. how do you say this? how did you arrive at this number ? in the name of god, the most merciful, the most merciful. greetings and respect to his highness and our respected viewers in connection with the discussion of a law to amend the check, the goals that the legislators

should follow. the principle of speed in commercial transactions is the discussion of providing trust and credibility to commercial transactions, as well as explaining creditor protection and accepting checks as an immediate payment tool in society and strengthening it in society, and most importantly, what is related to us is reducing input there are cases in the courts, of course, before that let's get into this discussion. i also remember one thing. you said that this new law is not a good law in general. for example, it is not a good law. i mean , we said it was not effective . dear sir, we agree that this is outside the scope of the judicial system, but for the volume of incoming cases to

the judicial system, in terms of numbers, the complexity of the lawsuits has been added before we enter this level, for example, i have a question for you. what you said to the prison headquarters you talked about the statistics of 300 prisoners in a year, that is, 10 prisoners every day, to one prisoner every 3 days. doesn't this mean that this law, for example, was able to work effectively, because it cannot necessarily mean this because the strictness that some of the issuance of handwritten forms and the availability of handwritten restrictions created by the legislature will definitely reduce the issuance of doubts and the number of lawsuits of that type will decrease, but in the current situation, the number of cases entering judicial system analytically, well , we say, if it adds to the complexity of lawsuits, why?

because in the past, if you say the number first, for example, how many checks were there, then how many were there, then let me explain, your highness , we had a claim dispute and how many checks we had. he used to do it either through the sabbatical executive or by filing a claim in the legal courts today, without the need to violate the court order, simply by submitting the contract , if the terms and conditions of article 23 are missing, which prohibits the issuance of the executive order upon the request of the holder of the executive check. it is issued and the process of execution of orders after notification and procedures legalizes it, but now according to this request of our executive surah, according to the number of executive orders issued by the courts, it is possible that a person

who has the form of a lawsuit may file a claim for damages. the holder of the check is only responsible for the amount of the check and the lawyer's fee, but for the guarantor of the check and other partners of the check , he must file a lawsuit. an increase in the number of commercial stands finding this complexity was never before, for example , before the new check law was introduced

, it was very easy. it is one of the basics of issuing a marriage certificate. we had the issue of independence of signature. accordingly, the speed of processing was ensured . for example, it takes 3 to 5 months, 5 months, 3 to 5 months. up to 5 months, the limit is up to 5 months how many hours should it take? well, this part is related to the judge's decision, but usually they have the original commercial document in their hand somewhere, which is about the defendant's indebtedness, which he raised, now it cannot be heard by the judge except in special cases. in relation to transactions, iran could finally issue a verdict in two or three sessions. it's been 5 months since the meeting , and we are going through the same process in the dispute with the commercial council. we want

to check the check law before and after. the one thing that you mentioned about the time, you said before, that is, before the new law , it will take approximately 5 months. must let's focus this discussion on this category. another advantage of this law amendment is the number of cases. it has been 5 months, three or four sessions at the same time as the judge, and how many cases have been entered due to the check. the number of lawsuits is different. what have you returned ? now, for example, in the year 401, the statistics we got before 97 will be 401, the new czech law. before , i did not give the statistics of 97 claims and checks. the statistics are very high. if you don't have the numbers, how can you say that it was higher? no, look, we have two arguments, one argument at all, leave it all aside , for example, the payment complaint and the slander of the gift, and this say that you are totally responsible for the check. someone comes and

says that i have decreased twice. what happened to the demand and what check has decreased compared to the past? ok. the collection of input files, what is the input in the discussion of masalaba, has definitely decreased, how accurate are the statistics, so it was not effective, for example, you say that you should not confuse the discussion , look, no, i have a problem with you, it is because i was referring i was telling the court , mr. qazi, that you gave us this check because we returned it, come do something, we will get our money, because you said it would take 5 months. then he says that we don't have statistics on how many of these entries we had before now, but he says that it has decreased

. our standard in relation to the proposal we had, and now if you allow me to complete my proposal, we are talking about the lawsuits related to the check is that this lawmaker is not so careful about judicial issues both in terms of substance and form. it doesn't have any flaws . we are now saying that the holder of the check can apply for the issuance of the executive order, and yes, the executive order will be issued in the shortest possible time, but which iranian governs it? the issuer of the check can come to the court and challenge the cancellation of the executive order issued by the judicial authority, while this is not accepted in any legal system. well, a question like me, because we are discussing, your discussion, the discussions that he understands need a specialized discussion, that we should be simpler, let's wash the one who comes now

, how much will the 3 to 5 months that you said to claim his funds be reduced to? to issue the executive order, yes, sometimes, maybe we can issue it in a day. on a daily basis, we say to issue the executive order on a daily basis. we will issue a check to that holder on the day of execution. the execution starts, we will issue the execution, but the same owner of the former check could take a long time later, in the case of a petition, sometimes it can take up to 6 months to a year.

it is not accepted in any legal system. we put it this day he can come and fight, we are after this, after the executive order is issued by the executive order , the executive order is issued, the executive order is issued , the implementation phase begins, but the owner of the check can come to the same amount as we issued the executive order. he should file a claim for late payment damages. previously, there was none of this. all of these were discussed in one lawsuit. previously, we had a lawsuit against a claim and a check. well, in one lawsuit , but today the holder of the check, especially the time between the issuance and the enforcement request, is longer. ok , as much as the executive request gives, he can do the same he should also raise the amount d. it means that in the past, the person who received a bounced check or received a check

did not look for a delay in payment at all, but in a single dispute, it means that the discussion is how long it will take in a single dispute. in the end, 5 months, 5 months, but you wanted to ask for it now, but how much will he get the money for, now the delay is the gift and the fact that there is nothing. how many files are there , if you can bear this for a while, we will we have an executive request, i know because our time is very limited and you don't have statistics, neither do we have statistics comparing before and after. i didn't know the need to bring the statistics

. we are having a discussion now. let's say it was effective in the discussion of the claim and what form it took, but there are a series of changes in the form and nature of the governing law . it can be improved. it means that it is generally good. it is good in general, but god bless you. i didn't say, you didn't say no . first, you said that your program was not very effective regarding the number of cases, let's have a conversation with mr. pejmanfar. please be patient. i will get back to you. he will give you his orders . hello, mr. pejmanfar. what do you think? do you think that the new czech law has been effective in all these legal and food incidents? hello. peace and blessings of god be upon you, to all your colleagues , respected guests of the program and all viewers , i offer my greetings and regards. i think it is quite clear that this check issuance law could

be effective in solving people's problems. i will help the guest of the program in relation to the discussion. statistics, because in any case, we should not talk about these issues based on personal estimations and impressions , let's say based on statistics, we will be presented in the year compared to the year 1996, when we came after him , we followed up the discussion of the czech law and the measures that have been taken. i have the statistics for the year 1401 , i will tell you that the returned checks have decreased by 530 compared to the year 2013, and the returned checks have decreased by 533. 441, the total number of returned checks should also be presented, which

is 437, considering these in comparison with each other. if we had continued the same trend in 1996, that means 94 in comparison to 1995, and if we had continued the same growth trend, in 1401 949, our effort should be that the statistics of our returned checks should be the same, and now dear ones, if you check, according to the report of the central bank, we had 437 attempts to return, you can see that there is a problem that our loved ones may have problems in the judicial system, and that process should be based on a different law. it should be corrected, but i don't think that gentlemen will deny the statement of this issue

for example, the number of cases has decreased below 50% , the number of cases has decreased. now, gentlemen, you have to solve the problem of their processing process, which had problems before, or suppose that it was delayed. well, i think there was a problem in mr. pejmanfar's voice, in our communication with them, mr. dhari, we need to do the same. . we saw a decrease of 533 in the ratio of the value of returned checks, which is a total decrease of 46 in the number of returned checks.

has decreased it should be said that according to the statistics announced by the vice president of new technology of the central bank, in 2016, approximately 10 people went to jail due to bounced checks . the issue of check 96, the number of czech prisoners has decreased, thank you very much for your explanation, mr. pajmfar, head of the original commission , yes, we had your voice , thank you , mr. ghorbani, what were you saying ? what do you say in faranda? i accept the proceedings and the receipt of my friends. in terms of the number of returned checks, according to the statistics of the central bank, the number of returned checks has decreased due to the strictness in issuing the doubtful category and the guarantee that is outside the judicial system

. in terms of the handling of this article 23, there is a substantive and formal issue that needs to be amended, for example, in relation to this article 23, we must, we can , request the executive annulment, that is , let's issue a petition for the annulment of the judicial order . it is not accepted in any legal system i just said that we have a claim for damages for late payment of the challenge. how many cases were there in which non-dated checks were issued ? 24,162 cases in the courts of tehran.

this is the last one, you said 1355 cases, that is, because here it says to delay the challenge, delaying the challenge requires legal fees, but for the executive chapter, no