[000:00:00;00] it kills children, makes children and orders hospitals . from my point of view, we condemn this regime's weakness, language, and meanness. we condemn this barbaric crime that these zionists are committing. unfortunately , we see the scenes that we feel are our own kind it is our own dear one, it is our own child, it is our own sister, brother, and mother. naturally, every human being is subjected anyway, not only iranian athletes, but also the great sports community around the world to raise a cry for freedom in support of the oppressed people of palestine. in the continuation of these supports, the professional basketball star of the american league with chafieh appeared in a press conference and announced his position. yassin buono, the goalkeeper of the moroccan national football team

, expressed his feelings with him through a video communication with the injured palestinian child. and now the sports people of the country along with the international sports community have demanded the expulsion of the zionist regime from international sports meetings and competitions. i hope that the actions that are taking place in the sports communities of the world will remove the dirty and corrupt regime occupying quds from the international sports arenas , god willing. but today, saturday, 30th of november, is the week of jumadi al-awwal and 21st of november. in tehran, sunset at 16.5 minutes of maghrib call to prayer it will be at 17:14 and midnight

will be at 23:7. now we will go to the economy desk and join my colleague, mr. bozor nasib. i greet you, god is strong. in the name of god , i say hello to all the viewers of the economy desk program . you saw and heard in the news that a system was unveiled called the electronic support system. we want to talk about this in the economy desk, the most important thing is to guarantee and validate a large part of the activities that are related to borrowing, for example, it is included in the economy desk, but we have time. it ended on channel 1. i invite all the viewers to watch us on the news channel if they are interested in following this discussion.

well, you are with the economics desk. well, naturally, these days, if your job is to go to banks, one of the most important challenges you may face is finding a guarantor with a deduction from your salary , an official guarantor, a good income, and a valid legal certificate. and if he has things like this, or for example, he has a valid business license , or thousands of other interpretations, or if god forbid, the judiciary has fallen on you, he has been in prison. you are going to have an arrest, you should finally look for a document, find a property, get it verified and you can start your business, or another thing that we have seen a lot in advertisements is that if you go to buy an installment , you definitely need to have a check book, have a check id. naturally, your tools for pledging and guaranteeing the scope of something happened in the budget, so that these verification tools can be made a little wider and people can more easily, for example , take their personal loans, of course, which we are talking about today.

we are talking about small loans, but it has electronic verification for all the devices that i need this service from, such as the food processor that i gave you as an example, it can be used. the general thing is that, for example, if you want to go get a loan, you say, sir, for example, i have been in the capital market for how many years, alhamdulillah, everyone has been in the capital market . i have a number of stocks. i bring the stock exchange and give it i will do this to me. i have some gold. for example, i do this. i have life insurance. naturally, you confirm it. you don't look for a guarantor anymore. what's the point? one is for the people themselves, the other is for the bank, for the economic system of the country. it's easier for them to get a loan, easier to receive education, to buy in installments, etc., and their collateral can be

made electronically. now you don't have to visit the branch and go here and there several times. 7 on weekdays, you can go and do it in your presence. the work of this way for the bank is that it is a guarantee, after all, it is a bit stronger, the events that sometimes happened, and this was not valid in your presence, and this will almost go away for the economic system of the country, naturally, it is possible to control the imbalances in some way with this. because the banks make sure that their loans will be returned more reliably, this is an important point. one is that it has advantages for long-term purchases, for example, installments and such , and it is almost suitable for businesses in general. we are talking about a loan below 300 tomans. it could be a boom for my business. a report from my colleagues in the bank and insurance group will be prepared . let's see it together . let's go back and start our conversation with the guests of the program. people for to get education

, they really have to go through a lot , they have to make many visits to the branch, they are asked for documents , electronicization of another service in the banking system in order to facilitate the payment of their loans. according to this year's budget law, the ministry of economy and the central bank were required to expand the scope of bank securities and to facilitate the receipt of education , provide the necessary infrastructure for the online verification of various assets of people in the banking network. now, the electronic asset verification system, or the level system , has been unveiled and implemented in saderat bank. according to this system, the ground is prepared to increase the pledgeability of people's various assets. in the first step, stock market shares of people and life insurance can be pledged, and in the next steps, the scope of these deeds

will be expanded. household gold, permits such as mining permits, mobile phone cards, or the same discussion of subsidies as you mentioned, or deposits with all banks. we are in the final negotiation stage. my prediction is that by the end of the year, the chain of documents will be systematically completed. also, according to the announcement of the adviser to the minister of economy, shares that are registered as collateral in the loose system will not be tradable. the implementation of this system will not be limited to one bank and in the future, other banks will be connected to it. 6 of the banks started the test operation. other banks are removing the legal obstacles of the authentication process, and god willing , we will soon see the acceptance of people's electronic assets for authentication operations. was. after this pledge and receiving education , if people cannot pay their debts , these pledges

will be cashed automatically and online in favor of the bank. sara fazli, journalist of sed and sima , we saw the report of my colleague . mr. jalal, adviser to the minister of economic affairs , and mr. moradi are also present here in the studio of the economy desk. he is a member of one of the banks that is a member of the operating banks for this work and the manager of the banking legal think tank. while greeting both guests of the program, i would like to start with mr. jalal and this question mr. jalal, which banks are currently doing this work and i would like to in your presence, which banks are joining and joining and other companies are added to do the electronic verification? well, in the name of allah, the most gracious, the most merciful, i greet you and all the viewers . if you allow me, i will briefly explain the plan that it was unveiled by saderat bank and it is going to be continued by other banks of the country. you are expecting that the government

promised to increase the necessary infrastructure for public access to education . in the law of financing and advance production it has been seen that the ministry of economy, in cooperation with the central bank , has a serious plan to be able to convert people's assets into electronic devices. in fact, in this plan, people normally have savings in the form of rial resources, in the form of special goods, securities and other assets. the infrastructure that has been provided provides this possibility than by some private companies. in the form of a professional job, these assets can be evaluated electronically and without any reference or use of any paper, it

will become a guaranteed credit limit and that person based on the assets that he has, he can go to the banks, the stores, the collections that he needs, pledge to take place, purchase in installments, guarantee to take place, in fact , he can manage that action, it is a matter of real people , rights that are not included at all for now. at the beginning, we started working for real people by focusing on increasing the public's access to the issue of deed and revocable guarantees, but this issue will definitely be provided to legal entities who also benefit from this possibility in the field of financing working capital of production units. to be provided. yesterday with the initiative to export this stream has started, and two of the assets that we have been planning since about a year ago, i.e. stocks and securities, which with the diligent cooperation of our colleagues at

the stock exchange and adar organization and the central depository company today the electronic form is provided with the possibility of collateralization and the discussion of life and life insurances, which is provided in cooperation with the central insurance of this program , the electronic verification infrastructure for its release and sale is provided. that people actually have he started this work about 6, now they are in the stages of technical connection to these prepared infrastructures , which banks are they ? it is possible that our dear people expect that they will be able to receive this service after going to the banks , so please give us a time to know, for example, on what date

until the end of the year, the banks whose technical infrastructure and legal infrastructure are connected to the systems that they keep people's assets like papers bahaddar, like gold products, like life insurances and the like, after their processes are finalized and, like saderat bank, it will be possible to use them, it will definitely be announced so that our people can use it, whether there are government or private banks in this list. state banks and their number are increasing. one point is to mention that until the end of the year, your assignment is until shahrivar . it means that because it was an assignment , we also had a deadline until shahrivar. now it is almost november , and we have finished researching in november, and we will enter azar. we do not think about the time and schedule small details, yes, but the complexities of the technical infrastructure of the issue, as well as the legal infrastructure, such as verification transactions , are supposed to take place completely electronically, and

the legal infrastructure is complicated. we do not have any particular complexity on the part of institutions that are in charge of the public's assets, but we agree with it took us some time for the banks to finalize their legal procedures in a hundred and one hundred percent way. god willing , we will be able to get the name from you now . finally, let's go and see if it has been done or not, or we can follow up with you to see. whether these 6 will become banks or not, yes, if you allow this operation to happen at another time , if we make a promise to serve our beloved people, we can commit to the sweetness of that service. the beginning of the development of the services related to electronic connection for these banks, which i have mentioned, is the beginning of other banks , which are in preliminary negotiations. they can do it for themselves or for someone else

guarantee how they can express and get your education more easily with this process that has been created. in the name of allah, the most merciful, the most merciful, greetings and courtesy to hazrat ali and your respected contacts , as you are required to do, where did we reach this point regarding the assets you say, which assets do we accept in our traditional legal system ? should they leave it to the bank, or should they make the guarantee statement in the traditional way, which is either an attribute or it will be taken from them, well , the guarantor's unavailability and the possibility of guarantee not being provided for everyone , as well as the personal preferences that some may have from the banks in dealing with the borrowers or guarantors, also the complexity and time-consuming nature of this process caused us to think of designing a system in saderat bank of iran, which does not provide services in any different way.

it is not for the customers of saderat bank, but it is ready to provide this service to all the people who want it, that is, the companies who want to sell on credit, and on the other hand, the people who want to buy on credit, even the government. now i will tell you what part of the rule of capability they are getting this, for example, many people want to leave the country, they have to be soldiers, they have to go and give a bond, get guarantees, and other parts are in the judiciary, which i am saying, as well as people who want to receive financial services from banks. konan is ready to provide service in this system, which is an authentication system with the name abbreviation level and has all these items. in the first stage, with the negotiations we had with the central depository of the stock exchange and also with the central insurance, now people only have the stock code or their own insurance code can be referred to this system they don't need to go to any of the branches of sadarat bank. they can access

their property completely electronically. i mean, when they enter their name, they enter their password , and then they get connected and see for themselves . for now, the system we designed means that your system and your system are now connected with, for example, the system of the stock exchange organization, and their communication is completely the same. yes, the insurance covers all your property and assets you can see your scholarship there. then the system will give you the lowest price of the last 6 months. for example, let 's consider a loan of 10 million tomans, or a marriage loan , a deposit, a loan for children, and these things that people are involved in a lot these days .

you can see how you can account with them. well, this is because the current system is used by saderat bank branches and people who want to get facilities from saderat bank. in the first step, with this system, the work of the internal directive given by the bank is this. which is the lowest price in 6 months in the past, due to the fluctuations that we usually see in our capital market, their shares are pledged with a factor of 85, and without the need to go to the branch, in less than 24 hours , when they indicate that i want the shares of my company. which i confirm and give to the deposit, there it is connected to the central deposit, a banker who receives the central deposit on behalf of the stock exchange, pays, and then a message goes to the branch and the other branch without the need for this person to go through the steps the step of taking guarantor and contract and these steps if he wants to go through the complex process, the guarantee of this person is based on the approval of the system and the person can easily receive his education, that is, for 100 tomans, we must have 85 tomans of stock exchange, or the value of our stock exchange stock

is the lowest value of the past 6 months. it should be 85 million, not the coefficient of 85. it means that 85 is not recognized as the value of the past 6 months. for example, if he wants to sell, he has to come a little more and get his shares approved , even if, for example, the lowest value of his shares in the last 6 months is 100 million tomans. you count 85 million tomans, we count millions if we pay up to the limit of 10 tomans, the automatic system itself will tell him yes and show how much he wants to pay, because on average, if people take something from their salary, it will be 20%, 25% higher than that amount. there are banking coefficients that are applied with these coefficients, and all banks have these rules, and then if it has life and life insurance policies, now based on the connection to the insured system, this will happen in the next step. god willing, by the end

of the next 10-15 days, we will enter all electronic business documents for the first time, their chain has been completed in saderat bank , and the check is made electronically. those who have a gpa and have a gpa in saderat bank, saderat bank is willing to guarantee up to 7 times their gpa on the basis of that check , and you are also responsible for the credit of those people. you are also responsible for saderat bank. people can visit from today yes, the part of the name was notified by the tower last year. i called three of your bank branches just before the program , regarding the absence of your bank branches .

education can be its own guarantor, confirm it. yes, now, if you want, i will give a circular that has been sent to all branches, so that this issue you mentioned, god forbid , does not cause a problem. receive them in sadaret bank for this purpose i just wanted to complete that chain, let's just keep the chain, i'm coming to you to ask mr. jalal a question that after you just mentioned that the stock market has come , what will be the next assets in the report, of course we saw part of it together and you mentioned that other organizations can also get services from these companies. which organizations are they? yes, as you mentioned, we are step by step institutions that trust people's assets, such as the central depository company in the stock exchange , which has been added to this system, such as insurance. insurance companies that actually insurance it manages the dump. they manage life, it is going to be added to this system. taki bank kargoshai as a trust institution for the preservation

of people's gold artefacts. sim cards of mobile phone operators that have a value of riyal and the operator itself is the institution that guarantees its value. people's long bank deposits in all banks are less than the rights that are in government systems or pension funds, pension funds are willing to provide that service, and in the future, in fact, a little further, securities that are backed by real estate or car documents by financial institutions. published under license subsidy and what are these? subsidy can also be any continuous payment that happens to people , provided that the banking system in charge of the data infrastructure

provides it to this network. i have given you an example, i remember that since the time of the previous presidents of the central bank, it was mentioned that, for example , we will pay for our marriage loan with a subsidized guarantee, but for example, it is at the discretion of the branch, at the discretion of the bank . it has happened that he can go somewhere with the guarantee of his friends he has taken a loan. yes, look. well, in the past , the subsidy amounts were much lower. now , they have increased a bit. one of the benefits of electronic authentication is that a person can consolidate his assets, that is, the value of stocks , bonds, gold artifacts, and rial assets of a person in combination can provide a meaningful purchase opportunity for a person, which is one of the most important things. definitely, when this service is added, this possibility will be added, similar to the discussion of stocks and life insurances, which

we are pursuing now. for example, for tala bank, which you mentioned, we have done the technical negotiations. in fact , i think the technical infrastructure for this matter will be ready before the end of the year, that is, to be more precise , our plan is to open the branches by next month. this technical operation should start, but considering that the number of kargoshai branches in the country is low, we are negotiating to increase people's access to kargoshai bank branches by proxy, that is, by the end of february, this will happen until the end of february. the basic infrastructure of our program is that we should provide the possibility of pledging the gold artifacts that people give to the nasdaq and after that increase the access of the people to the bank branches in the country. as for the subsidies

, see what stage it is in. generally, for the discussion of long-term bank deposits, now in interaction with the banking network and the central bank, we are planning to pilot this issue. yes, the trial phase of this process is in our plan to verify rial deposits, which we will do for one or two banks in early december, after we have set a limit . that bank parsiyan to start the plan bank deposit trial, in fact, we will do the trial phase until the beginning of january, if it is successful, it usually does not take much time to scale this idea for other banks, and since it is a confirmation for us , we can also confirm our stock for someone else.

the other one is part of the program, in fact, now, it means that it cannot be done now. we definitely designed it. this happened in saderat bank, and now a third party can also come and pledge the existing guarantee for another person's education. in fact , this is completely designed. it is possible now in fact, companies that provide authentication services such as bank saderat, when they are created, this is one of the services of increased width and competitive services that the company provides in order to get more customers. provide approval, for example, not to create a state of monopoly, for example, we are similar, if you look , we have payment service companies or psps, in any case , they all gather in one place. how many compete with each other for this issue? company. seen, i would like to tell you that in terms of the architecture of the plan, in fact, we have a large number of asset custodian institutions, such

as the central depository of the stock exchange, such as the opening bank , such as insurances, which are actually deposit insurances , insurance companies, pension funds. we have diversity and competition here, in fact, the middle institution of an infrastructure or a central governance system will be created. a switch will be created. you must ask me for a time, but it is difficult to announce a definite time. our plan is to send all your plans to this side by the end of the year for the annual budget. and in fact, until the end of the year, i am saying this to be more certain, because if we promise the end of the year , it will happen sooner, it is good news. inshallah, it will happen sooner than that, and in this institutional structure that i have described, the asset trustee institutions of this central system and the institutions or companies that provide verification services, which the flagship saderat bank started

this movement, these companies will increase. i told you that they are joining in the actualization of these companies. thank you very much, mr. moradi. now a question may arise that we have, for example, 100 million. we receive a 3-year or 4-year loan. however, we certify our shares. naturally, we cannot sell these shares. this possibility will be available in the future . your question has two dimensions, it is possible that sometimes the value of shares will decrease and it will not pay off the amount of your outstanding debt. in both cases, based on the system that currently exists, this warning is given to the handful that you can come by paying 50% of your facility and request the release of a part of the vehicles or if the amount the securities that you put, for example, your stock market shares or your insurance, have decreased in value, you must come and consolidate your securities and

increase your assets and your securities to such an extent that the amount of your debt is equal. so, it means that we may need to increase our approval during the repayment of our installments, because the value of our share may be found. yes, this is normal . what is the average guarantee of this system when, for example, a borrower comes? be sure to do this, see the coefficients i announced that your service covers a large part of this issue at the same time, i told the company that there are insurance companies that are willing to accept this risk and accept this risk. but in any case, we trust the people who come and with the credit assessment that we do, we have risk management tools based on the type of people they are. we determine to what extent we can guarantee each person , this can be a basket that means, for example, a part of our endorsement should be our shares, a part of our insurance should be forgiven, because we may not be able to provide shares as much as the loan we are getting, it is definitely the same. be it the system or different people, the system is completely designed for this oil

, which for now, as i said, stocks and life insurance are the first step of investment, electronic commercial documents are the second step, bank deposits of all banks and mobile phone sim cards. in the next step, gold, coins, property and all the assets like the same, the helpers you mentioned or the car, yes, all of these can be anything that can be liquidated. at all, one of the features of this system is exactly that it breaks the traditional system of collateralizing banks and this system comes with everything that has liquidation value. with actions. the same advantages and acceptance of the same risks are accepted in the contract , and even if you have a problem, the country's banking network will find a way out with this system. and there are many problems that now, for example, they want to take over this factory, after paying for the removal of production obstacles, the judiciary comes and says that the production process should not be disrupted, so what are you

doing to disrupt the process ? who has come, takes some kind of discipline and works for example , i am saying that the fact that the shares of the factory are taken as collateral means that the acquisition of the shares will not have any negative effect on the production process. by the end of the year or not, this will come sooner . we have started the negotiations. by next week and in the next 10 days, a part of this problem will be solved. it was requested that the possibility of electronic authentication for the judicial system to provide for the issuing of the relevant orders, i think sadarat bank has also provided this possibility and the word is over, it will be done now, yes , the negotiations are at a very good stage, god willing, those

who will be issued bail will be able to use this system, most of all the guests. good program and viewers of mirzaz program, like always