welcome to the news of one morning. the closing of the international congress of allameh taba tatabaei was held in the university of zahra, tehran, with the presence of a scholarly and academic figure. in this conference, the head of the persian language and literature academy wrote tabatai al-mamizan's speech with regard to the current issues and diverse needs of the society, and in it he addressed issues such as the ownership of science, the issue of human rights, islam, relativism, knowledge, the political system of islam and the relationship between reason. the religion of the economic system has paid. according to mr. haddad adel, tabatai

was the architect of the new word in the seminary. in this event, which coincides with the 42nd anniversary of his death people from russia, turkey and iraq were present at this contemporary scholar and interpreter of the qur'an. at the same time as world philosophy day, the updated works of taba'i, the designs of the permanent secretariat of allameh taba taba'i, and the naming of the week of wisdom and islamic philosophy were also unveiled. tasikh system was launched in a bank. with this system, the ground is being prepared to increase the collateralization of various assets of people. according to the announcement of the ministry of economy, 6 other banks started this system on a trial basis and other banks will be connected to it in the near future. people really have to go through a lot to get an education. multiple references. they have to go to the branch and they

will be asked for documents. electronicization of another service in the banking system in order to facilitate the payment of small loans. according to this year's budget law , the ministry of economy and the central bank were required to provide the necessary infrastructure for online verification of various assets of individuals in the banking network in order to expand the range of bank securities and facilitate the receipt of small payments. i can as an electron. pledge their own assets without the need of any in-person visit and from the relevant collections that are foreseen either inside the bank or outside the bank or possibly use the possibility of buying special items from collections that are interested in selling vacations. 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 being prepared for increasing the trustworthiness of people's various assets, in the first step , people's stocks and life insurances can be pledged, and in the next steps, the range of these documents will be wider. household gold, licenses such as mining license, mobile phone sim card, or the same issue you mentioned, or deposits with all banks , we are in the final negotiation stage. my prediction is this is until the end of the year, god willing. this system will be completed. also, according to the announcement of the adviser of the minister of economy, the shares that are fixed as collateral in the system of the level will not be tradable. now the question is: how much stock in the stock market is needed to get a loan of 10 million tomans. the lowest price of that stock in the last 6 months is deposited with a factor of 85. the implementation of this system will not be limited to only one bank and in the future, other banks will also be connected to it.

until the banks start the test operation, other banks have legal obstacles in the approval process and god willing, soon we will see the acceptance of people's electronic assets for verification operations. after this pledge and receipt of payments, if people cannot pay their debts, these vehicles will be liquidated automatically and online in favor of the bank. sara fazli sedav sima's news, the vice president of insurance of the social security organization, says that the reform of the pension laws, which is now on the agenda of the parliament, should have been done 10 to 15 years ago. referring to the increase in life expectancy from 50 years at the beginning of the revolution to 75 years, mr. mohammadi said: increasing the retirement age they strengthen the pension funds and take them out of the crisis.

the supporting factor of the documents has been greatly reduced, an issue that has been the cause of discontent among pension funds for years, and even some of these funds went bankrupt, if they continue with this process , in the near future, the funds will not be able to respond to their claims, something about 75 to 80 sometimes experts say that the government will pay the 85% of the payments that should be made by the national fund, now the government and the parliament, by amending the laws , thought of revitalizing the pension funds, the basis of the pension ceiling for someone who starts today 35 years old or 62 years old to work. an increase that seems to take at least a few years to be effective. in the short term, the funds may not see the effect, but in the medium and long term, it has good effects for the sustainability of the fund's resources. this approval

is not mandatory for all employees. we gave this authority to the dear employee that if he wants to retire after 30 years, that is, apart from these tables that we have seen , he can apply for retirement, regardless of the age of 62 years that we set so-called hard , considering that the implementation details of this resolution it is not yet finalized in the parliament, we have to wait and see the benefits how will this resolution be implemented ? the deputy director of rural housing of the housing foundation said that 330,000 units of the national housing movement have been built in the villages of the country, about 600 units in chaharmahal and bakhtiari provinces will be put into operation

by the end of the year. shun, you recently became the owner of a land housing with the help of the government price . then you came and gave a loan of 200 from the facility for the construction and housing of the chiefs, not only here, that is, in the village of tomanak, which has 390 residential units in the province. built or retrofitted, and of course, this is not the end of the work. in 1402, about 550 units and in 1403, 550 units, a total of 11,000 units, which , god willing , will reach 70% of the rural problems of the province. we have 830 rural households in the province, of which 46,000 households have been able to either rebuild or refurbish their houses, and the residents themselves say that after this work, more facilities will be available, and this

in turn leads to reverse migration. well, he wants to leave the village, this clean and natural environment, and go to the city of loans the increase in the amount with the same chain attribute and 20-year payment period, we are going from the villages to the dilapidated urban buildings. they were old buildings . we requested that they be renovated here. the government has come to the aid of the residents by providing infrastructure from the 818 units that are in the dilapidated buildings of the province are under construction. at this stage, 18 units will be put into operation. with the government's agreement to help the people living in dilapidated buildings, the mortgage loan has also increased. from 355 cities to 55 and for all of my beloved country, iran, this number became one. of course , it goes without saying that there are more support packages the way key-to-key or key-to-ground, that is

, in worn-out fabrics in places whose priority will be announced soon by each province. they can save their farshdeh houses with a renovation unit that has been built or a suitable land and actually get a 40% discount . the main strategy of the 13th government in the great national housing movement is to accelerate the construction of residential units in najafiyan, khabari sada. and sima shahr, the next part of the news at 2 o'clock.

well, you are with the economics desk, well, naturally, these days, if you are going to the banks to get a loan, one of the most important challenges that you face you may have come across it, find a guarantor, be it a deduction from your salary, be an official guarantor , have a good income. if you have a prisoner, 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 card, 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. if you have a sidi, you can go and bring it. naturally, your tools for signing and guaranteeing the limits of the budget have been seen to make these verification tools a little wider and people can more easily, for example, take their personal loans. we are talking about things, but the electronic support that it has can be used for all the devices that i need this service, such as the food processor that i gave you as an example . in general, this is for example, if you wanted to go get a loan, you would say, sir, for example, i have been in the capital market for a few years, alhamdulillah, everyone has been in the capital market.

i want you to lend me this. i have some gold . for example, i do this. i have a life insurance. naturally, you confirm it. you don't look for a guarantor anymore . what's the difference? i said yes, they can manage their wealth more easily, borrow more easily, receive education more easily, buy installments , etc., and because their collateral is electronic , you no longer have to visit the branch and go back and forth and all these things electronically, 24 hours a day. 7 days a week, you can go to see me for confirmation, bring a guarantee , you can leave a racket and property, and the work of this kind for the bank is that it is a guarantee, after all , a solid piece of agreement that sometimes happens, and this is my offer . it was not valid in your presence and almost it goes away for the economic system of the country, naturally, it is controlled in a way because the banks are sure that their

loans will be returned with more certainty. we are almost talking about under 300 tomans. it can be a boom for my business. a report from my colleagues in the banking and insurance group will be prepared. let's see it together. let's get back to our conversation with the guests of the people 's program. you really have to go through a lot of studies they will have to make several visits to the branch, they will be asked to provide documents, electronicize 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 banking collateral and facilitate the receipt of loans. to provide the necessary infrastructure for online verification of various assets of individuals with the banking network. now, the electronic

asset verification system or the level system has been unveiled and implemented in sadaret bank. according to this system, the ground is being prepared to increase the collateralization of people's diverse assets, which in the first step is people's stocks life and life insurances can be collateralized , and in the next steps, the scope of these projects will be expanded. household gold, permits such as mining permits, sim cards for mobile phones, 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, god willing, the chain of bonds will be systematically completed. also, according to the advisor of the minister of economy, shares registered as collateral in the c3 system will not be tradable. the implementation of this system will not end with only one bank and in the future banks others are connected to it. to

start testing operations from banks. other banks are removing the legal obstacles of the verification process and, god willing, we will soon see the acceptance of people's electronic assets for verification operations. after this pledge and receipt of payments, if people cannot pay their debts automatically and online , these pledges will be cashed in favor of the bank. sara fazli, sed and sima news reporter. we saw my colleague's report here at the economics desk. mr. jalal , advisor to the minister of economic affairs, is also present, and mr. moradi is a member of the board of directors of one of the banks there are members of the banks working for this work and the director of the baanki 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 which banks are they?

which merge and join and other companies are added in order to carry out the electronic verification . well, in the name of allah, the most high, if you allow me to give a brief explanation of the plan that was unveiled by saderat bank and is going to be continued by other banks in the country are waiting for the government's promise regarding the need to increase the necessary infrastructure for public access to education, the legal task of this matter is provided in both the budget law and the law on financing and production, and the ministry of economy, in cooperation with the central bank, has a serious plan to able to convert the assets in the possession of the people into electronic vehicles. in fact, in this plan , people normally

have a variety of resources in the form of rial resources, in the form of special goods, securities and other assets . by some companies in the form of a professional job, these assets can be evaluated electronically and without any reference or use of any paper , and become a guaranteed credit limit, and that person based on the assets he has can refer to the banks to stores to the collections that need collateral to happen, purchase to happen, guarantee to happen, in fact , to manage that operation, it is for real people , rights that are not included at all, for now, we are starting work for real people, focusing on increasing the access of the public. to the issue of bonds and guarantees we have started working on it, but this issue will certainly provide support to legal entities that are in the field

of financing working capital and production units . we have been planning since about a year ago, that is, stocks and bonds, which with the diligent cooperation of our colleagues in the stock exchange organization and the central depository company, today it is possible to pledge it electronically, and the issue of life insurance, which the cooperation of the central insurance of this program provided infrastructure support electronic release and sale of it is provided. bank saderat has taken the initiative in this area and

has started providing electronic support services for these two types of assets that people actually have . they are now in the stages of technical connection to these prepared infrastructures. which banks are they if allowed? after the finalization, i will announce their names to your service, so you can see what they are. when i announce which banks they are, our dear people may expect that they will be able to receive this service after going to the banks. please let us know, for example, by the end of the year, the banks whose technical infrastructure and legal infrastructure are connected to the systems that maintain people's assets, such as securities , gold artifacts, life insurance, and the like , after their processes are final. and similar to saderat bank, it is possible to use it, it will definitely be notified so that our people can use it, whether public or private, both private banks are on this list, and public banks, and their number is increasing, one thing to point out

until the end of the year, your homework is until september, that is, because the budget task is also a task, and we had a deadline until september, now it is almost november , and we are finished in november. we will enter azar. legal issues such as verifications are supposed to happen completely electronically and the legal infrastructures are complicated. we do not have any particular complexity on the part of institutions that are in charge of public assets, but the agreement with the banks to finalize their legal paths electronically is a bit difficult for us. time god willing, we will be able to get his name from you now, let's go and visit them to see if it is done or not. or can we follow up with you to see if these 6 banks will become banks or not ? yes, if you allow this operation to happen at another time, if we promise to serve the loved ones of our beloved people, we can commit to providing

the sweetness of that service to the people. 6 banks, for example, more banks , other banks, these banks , which i mentioned , have started the development of services related to electronic connection. it is already in the initial negotiations, thank you very much, mr. moradi, please tell people to refer now which of their assets and how they can verify whether they are for themselves or can guarantee for someone else, how they can express it, and with this process that has been created it has become easier for them to get their education, in the name of allah, the most merciful, the most merciful. greetings and courtesy to you and your esteemed audience . as you mentioned, where did we reach this point regarding the assets you say, which assets do we accept in our traditional legal system ? either they have to mortgage a property or this to express the guarantee in a traditional way, whether it is one attribute or the rest , it will be taken away from them, the unavailability of the guarantor and the possibility

of guaranteeing for everyone, as well as the personal behavior that some banks might have in dealing with the borrowers or the guarantors of the execution of the body and the complexity and time-consuming nature of this process caused us to think of designing a system in saderat bank of iran, which is not in any way different from providing services to the flow of saderat bank, but the preparation for this. it is available to all the people who want it, which means the companies that want it customers want to sell on credit, and on the other hand, people who want to buy on credit offer this service that even the government, which i will now tell you in the video, which part of the government has the ability to get this, many people , for example, they have to leave the country, they have to be soldiers, they have to go and submit a bond, get guarantees and other parts of the judiciary that i am presenting, as well as people who want to receive financial services from them, ready to provide services in this system that with the title of verification system with the name of the abbreviation set, it has all these things in the stage

first of all, with the negotiations we had with the central depository of the stock exchange and also with the central insurance, now people can refer to this loose system simply by having their sjam code or their own insurance code , there is no need to refer to any of the export branches. they can refer to your service completely electronically . they enter their name and password, and then they connect to the same site, which system is set.bsii.ir.bsii.r. yes, yes. ok. people who enter can see their property. we are now. the system we designed means now your system and your system with, for example

the system of the stock exchange organization is connected to each other and their communication is fully established. yes, the insurance is established. you can see all your property and assets on the stock market there. then the system will ask you the lowest price of the last 6 months. for example, i now have a loan of 100 million tomans. for example, let's consider marriage loan, deposit loan , child bearing loan, these things that many people these days. how many shares should be confirmed by those involved and how will this be accounted for? you see, this is because currently the users of this system are the branches of saderat bank and the people who are connected to it they want to get facilities from saderat bank. in the first step, they are working with this system now. the internal directive given by the bank is that the lowest price of their shares in the last 6 months is taken with a factor of 85 because of the fluctuations that we usually see in the capital market. to be and without needing to go to the branch, in less than 24 hours, when they indicate that i want the shares of my company to be endorsed and pledged, it will be connected to the central depository of a

creditor who is the central depository on behalf of the exchange receives, pays, and then one the message goes to the branch and the other branch without the need for this person to go through the steps of getting a guarantor and contract and these complicated steps. either for 100 tomans, we must have 85 tomans of stock market shares, or the value of our stock market stock, the lowest value of the past 6 months, must be 85 million tomans, not a factor of 85 , which means that we will recognize 85 of the last 6 months' value, for example, if he wants to, we should bring a little more and i will recommend his shares that is, if, for example, the lowest value of his shares in the last 6 months is 100 million tomans, you will count 85 million tomans , we will count 85 million tomans, and the automatic system will tell him how much he wants .

because now, for example, on average, if people get something deducted from their salaries , it is 20%, 25% higher than the amount of the education you receive. these are the banking coefficients that are applied with these coefficients, and all banks follow these rules. they have it, and then if they have life and life insurance policies, go now the basis of this is the connection to the insured system . in the next step, god willing, by the end of the next 10-15 days, we will enter all the electronic commercial documents, whose chain has been completed for the first time in saderat bank, the check bill and the certificate electronically in our electronic check system. as a new check, it is ready for people to issue the check electronically here and put a deposit here, and what is more interesting is that if they have a gpa , they have an average of 7 times the gpa in saderat bank. their account is based on that check guarantee the credit of those people, just like you, you are also in charge

of saderat bank. you are also doing a lot of advertising. from today, people can apply. i understand that your bank branches are not in the news, for example, that there is such a thing, which, for example, was surprising even to them, that, for example , the recipient of the education loan can be his own guarantor, that is, confirm it. i am pointing out that this matter that you mentioned is not god's from tomorrow morning, people can receive their own education at the chancellery bank for this basis. i just wanted to complete that chain, just keep the chain . the shares have arrived, 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 organization will they be? like the central depository company in the stock exchange behadar, which has been added to this system, such as insurance, insurance companies that manage the insurances that are actually thrown away , manage life insurances, is going to be added to this system . the cards of mobile phone operators that have a value of riyals 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 available in government systems or pension funds. their service and in the future a little further away are securities that

are backed by real estate or car documents by licensed financial institutions. what about subsidies and such? it can also be a subsidy. any continuous payment that happens to people will be added to this validation network provided that the banking system in charge of the data infrastructure provides it. does this actually happen? because this was said a lot, for example, the subsidy that i gave you as an example, i remember that from the time of the previous heads of the central bank , it was mentioned that, for example, we will pay the subsidy for the marriage loan and guarantee, but it is at the discretion of the branch. according to the bank, naturally, so far, i have not seen anyone who was able to get a loan with the guarantee of his friends , yes, well, in the past, the amount of subsidies was much lower, now it has increased a bit, one of the benefits of electronic verification

it is that a person can consolidate his own assets, that is, the value of shares, gold, artefacts, and rial assets of a person in combination can provide a meaningful purchase opportunity for a person, which is one of the most important advantages, definitely when this service is added . this possibility is added, similar to the discussion shares and life insurances, which are now possible to combine and increase the value of individual guarantees, we are following all the institutions, you can understand from this how much we have progressed, for example, for the opening of tala bank , we did the technical negotiations , in fact, the technical infrastructure of this issue is mine i think it will be ready before the end of the year, that is, to be more precise, our plan is that within the next 3 months , this technical operation will begin on the existing branches of the bank, but considering that the bank branches will be opened nationwide.