[000:00:00;00] fill it up, that is, pay 50 million to the bank, as a rule, this should happen, the circular of the central bank says the same thing, but some branches in some banks do something else, they say no, you have to pay us the amount of the check again, what do you mean, 50 million you had an account, you don't have an account at all, you have to bring another 100 million tomans and put it in the bank account so that it will not affect your account. that the number of checks that bounce is very large you can see that the problem will become more difficult. our time in channel 1 is over. i invite all viewers. if you are interested in this discussion , watch us on the news network.

thank you. well, you are with the economy table, i told you what we want to talk about today, one of the reasons for all the benefits that the new czech law has had, which there is no doubt about and we will not talk about it , we talked about it a lot before, but anyway in this in its details, there are some points that need to be fixed. if we see the picture together, we can take a look and see what the new czech law is. something happened, well, we had a decrease of 96 in the number of check prisoners , it is yours, from 10 per day to 3 per day, one per day. the return has decreased by 60%, the ratio of the amount has decreased by 50%, the time to fix the problem has decreased by 90 % , checks are processed faster, but in any case, people's use of checks has also increased.

reduce returns. here we see that it has been achieved, but something happened in the same small percentage the checks are getting bounced, for example, now they say that 10% of the total is 7% of the total. this is what happens. one, i told you that you should put more money in the account. two , what will happen next is that, for example, you will bring the 50 million that you have to. give it to the bank to complete your account, out of the 10 tomans that i offered to you, you may have 5 to 10 tomans in 5 banks , all of this will be blocked and you will not have access to that money. you have to prepare money outside of this cycle and make it available to the banking network, naturally, for economic operators for example, they work with several accounts and they may have different amounts of money in their accounts , this makes their work difficult and slows down their movement cycle . we want to discuss today's economic table about why this circular is not being implemented and people should pay more. why is this process not done more electronically ? we expect that after the implementation of the check law , we want things to

become easier again so that the check holder can get things done sooner. few people who receive a check get their money faster. naturally , if this is done, we will see that this number will decrease. my colleagues in the bank and insurance group will prepare a report . let's see it together . we will come back and start the conversation. sir, i had a check for 10 tomans and it was bounced. 10 million 90 tomans was in my account and it was positive. now i want to fix the problem. look , this directive has not been implemented yet, they say you should. if you put 100 million in your account, that means the 90 million that has been blocked from you will be nothing. you will put 10 million until the check clears. when the check clears, the other 10 tomans will be freed. so what if i have 90 tomans, 10 more tomans you have to tell them. well, now where can i get 10, put it back in my account, the system restricts it, i don't block it, fixing check countermeasures is a part of the new check law that

was passed in the parliament in 2017 and based on it , the accounts of check issuers are set to the amount of the deficit amount. the check should be blocked, but this law has not yet been properly implemented. they drew a check of 50 tomans, now they have 49 tomans, 1 check has been bounced, now go and get 405 money, where will they get the money, brizezaf, but with the arrival of the commission on principle 90 of the parliament of the central bank, by issuing a directive, they misused the law. solved, they only need to compensate the shortfall of the amount and transfer it to their current account. now 6 months have passed since the notification of this circular, there has been no difference, our field observations also indicate that out of the 30 banks of the country, only 3 banks, namely the export development organization and the joint bank of iran and venezuela , are implementing this circular. we should pay twice as much. if a bank is doing this , it is not the right thing to do, but it was supposed

to happen in 27 other banks, but it has not yet been done in the central sector. it has become a show, but there is no system . we asked the officials of the central bank, as the body that oversees the performance of the banks , and they said that the problem is the negligence of the branches. it should be implemented. it is possible that there are two branches. the user did not know about this directive of the board of directors, and it is difficult to respond to the disciplinary bodies of the banks, from warnings and so-called reprimands to dismissals and fines. according to the statistics of the central bank, only in the first half of this year, 327 thousand billion tomans of checks bounced, which has been removed. it is associated with these problems. i said that the officials of the people's central bank can

report violations in this regard to the number 2706 or the people's communication system of the central bank in the registration section. at the studio table economics mr. rahim, the supreme advisor of the law of banks and private credit institutions of iran, is also present, mr. shirazi, the secretary of the legal commission of the coordinating council of state and semi-state banks, and mr. pazhmanfar, the head of the commission on article 90 of the constitution of the islamic shura majlis, mr. mirzapour , the director of the software department, is also present. central bank will also be added to jamoon by phone. also, greetings to all the guests of the program, i would like to start with mr. pajmanfar, if you agree, from mashhad , mr. pajmanfar, the exact problem that exists now , we have seen a part of it in the report, and i am also here. viewers, i told you, what does your review show , where exactly is the problem?

in the name of allah, the most merciful, the main problem in my opinion is the lack of cooperation of the banks, which is actually a violation on the part of the banks. we do not see any justification for this non-cooperation of banks with respect to law enforcement. see, they are actually blocking people's accounts and saying that a full balance must be returned to the bank. this is completely wrong. you see, the legislator is actually wise. the lawmaker is careful in his issues that people's problems are actually solved, he does not want the lawmaker to cause inconvenience to the people, our effort is to ensure that the receiver receives the number he wants , and we help this happen and that it is said that there is if the account reaches the recipient, do you think there is a reason for this non-cooperation, because

some experts say, well, anyway , for example, if the money in the bank account, for example, if more messengers stay, it is better or extra money comes, and this is your opinion. you see, i can't read intentions, but what is certain for us is the problem the opinion of the lawmaker is clear, the philosophy of this issue is also quite clear that basically we have come to make the law to solve this issue so that people's problems can be solved. this point that comes up, for example, i say that a person may have money in several accounts in order to, for example, prepare to pay this, well, all of these will be blocked, and none of these can be done by the banks online. do you think the central bank can do this?

provide that this happens online, for example, if the check issuer's account in the originator bank should ask another bank to deposit, for example, 10 tomans, 20 tomans, 100 tomans, whatever amount is in your account, so that i can clear this check. did you hear, mr. pir mawafaq, well, our connection has been lost, thank you very much. now, until our connection is reconnected with mr. piz, moffer, mr. shirazi, please tell me that this challenge that has arisen for the people in the banks, how much have you checked and how much have you dealt with? did you do it and when will it be completely resolved and what do you think is the real reason because you are an expert on many reasons? hello and respect to your excellency and

viewers, dear guests of your program . in fact, he announced that the necessary circular has been issued by the central bank and this capacity exists for working problems. the problem with my work is that when some branches want to refer to the account , they have to cover the balance deficit, and then the announcement is actually to cover the bank's balance. centrally, i am facing the problem of account blocking it is possible that it was created in the system earlier due to a bounced check with a message from the central bank . no, now the one you think of first is the first person whose check bounced. i had a balance of 50 tomans. 50 was returned for a 50 tomans deficit. yes, now i come to the branch and say that i want to pay 50 tomans so that the 50 tomans in my account will be 100 tomans. the problem will actually

be solved when we return. because the account is blocked based on the independent method announced by the central bank, some branches have this error that i have access to. i don't have money for that at the moment, so you give me this 10 tomans, the total amount of the failure, and i will give this message to the central bank in accordance with the provisions of paragraph a of article five, and they will provide the balance, then the central bank will come and announce my message to the banks. the line that this check has been cleared, now the accounts will be opened, you have access, if this is a mistake of the banks, first of all, let us know that the entire account, which has not been blocked, the number in the account has been blocked, so naturally the bank is aware of this, now the blocking method is no longer necessary. we have a whole account that is blocked, i say that some bank branches are wrong that the amount that is in the account, that is in its place, the deficit should be taken, the amount of the check will be added, then

in the implementation of article 5 clause 5, it will be notified to the central bank , sir, i have collected this account , i have blocked it for the benefit of the owner. by itself, in fact, the message to the rest of the bank account is opened and that check can be withdrawn for the benefit of the holder for up to one year . now here is the mistake that you are confirming, some branches of some banks have that the report prepared by my colleagues it seems that most of the branches are of most banks and except for a few branches of some banks do this they don't understand, well, what is my duty when i brought a check? the fact is that there is a capacity to follow up, but that capacity is definitely so much time that it actually makes people tired. well, we have, for example, 20,000 branches all over the country, naturally. everyone is a supporter of this circular. what do you think should be the solution , because now it can be electronic

or anything else that you as a service provider can propose, people should solve their challenges, we definitely have this solution. we say 100 million tomans, but there are numbers in the market 10 tomans is difficult for some people to earn, or is it the same for people? i am here to serve you. if a bank does not comply with its legal obligations , that person can go to the inspection department of the same bank and claim his right. if the inspection department of that bank opens. he didn't fulfill his rightful claim, he can go to the central bank and file his complaint. the process of claiming the right is defined and it is clear , it is not something very general, but the fact is that the banks should enter once and make their branches completely understand that sir, the capacity that is notified by using paragraph a of article 5 , there is no need to provide funds, which is done by the circular, for example, from ardibah.

the circular was sent to the branches, but i agree with you. many of the branches may not have reached the common understanding that they want to implement it, and now this is a legal capacity and a rightful demand. it must be implemented . thank you very much, mr. raim. privately, the same shuklians mean that they have a wrong sentence from a circular or not , do you think there is another reason for this? dear viewers and mr. shirazi and your guests, i would like to ask you how much this issue is clear. when the check is bounced, if the amount of the check is too much, the bank will not take any action at all. iran's accounts are identified in each customer's accounts.

it blocks it, no bank has the right to this reference, the bank whose account is blocked, or the bank that issued it, when the customer comes to us, because this account is not with us, i can't open another bank account until i get the time. here, i will take a short amount of money and pay a check, so i have to tell the customer to provide the entire middle of the check in your account so that i can pay the check . there is only one situation that was mentioned in this circular of the central bank in june. we can act if there is a bounced check in your bank account and there is a deficit in the customer's current account, we can freeze the amount to complete the balance and transfer the check to the account that drew the check. he should

complete the payment, but if mahchak is gone the account has been blocked by a third party bank, tell me how many banks, maybe four banks, one at all , we have nothing to do with the rest of the banks at all . we brought million, let's complete this 10 tomans, the bank won't accept us either, it says no , it will accept 100 tomans once more, now i have the courage to say, unless now , what i know about private banks , money if you if it is his own account, he will pay the equivalent of a child's check, block it, unblock it, and send it to that check exactly, the discussion of our meeting is that this will not happen, because all of them, on behalf of the state and semi-state banks , a large number of banks say that khanash is wrong and it does not happen. if an account other than the current account is restricted, we can't bring it, we say the money that

is restricted in another account , we have no business at all, where is the money going to come from ? bank. we say as much. that should be money his account is blocked, the work should be done, not more than the amount of the check, that is, if we have a check for 10 tomans , don't bring it, we have another 50 tomans in the account , let's bring another 10 tomans to the bank so that our money will be in the bank for 15. see, we can't talk anymore, that's what the report says. the paper says exactly, but this is not what happens in reality . i am also in charge of the payment systems commission of private banks. when the payment is completed in the account, there is no need for the check to be passed, for example, or zainaf comes. 50 tomans will not happen again, we saw the report together, that is my colleagues, private banks, public banks, have you visited their different branches

? did you see that he prepared a hidden camera? these things still do not happen in private banks. my friends and my colleagues in the bank see that when i block a check, i block the amount for 24 months until the checks pass, that means it will be effective. well, mr. mirzapour is with us. mr. mirzapour, tell me how ready your infrastructure is for this to happen . now reports that my colleagues preparation shows that it seems that maybe the circular that you wrote, is the infrastructure that you prepared basically has a problem that the purpose of the circular will not be realized, or is it another iranad. greetings and respect to you, dear people and noble people of iran, i accept part of your words . from the banks, this part of this part , apparently, some banks are still not justified that the part of the letter that the central bank has communicated should be implemented. some

parts related to the non-completion of their systems , their systems must be found to be able to do this. correct training in the branches, when the client comes, they are not justified at all, or they don't know the directive or the procedure , as a result, people are exempted. i agree that a number of banks and the number of branches do this , but you for example, how many of these numbers that you say, it is very difficult to get statistics , what percentage do or do not do this , but in the last few months, there has been a downward trend because of the circular that was issued by the center a few months ago and made it very clear that step by step , what should the branch do so that zainaft gets what he deserves? necessary training is being given to the banking network, and

step by step, how long will this take, as you say, some banks seem to be taking no steps, no, banks should be involved in this field. our people should take the necessary measures if they have problems in this field, they must be in touch with the supervision department of the central bank so that we can finally deal with the bank through the transfer of the request that is made. he did this interaction, he held these meetings , he justified everyone that this happened, people go everywhere now, the figure is not a small number. you see, what the central bank should have done was to clarify the issue, and he informed me of the steps step by step . the rest of the banks cannot be neglected because the supervisory department of the central bank is definitely in this field.

until now, they have entered and are following up, and it will continue from now on. well, it is impossible to specify when they will reach that result step by step. the reality is that now , if we give it any time, we will give it a time of two or three months . in two or three months, it will be you. tell me, sir, the issue has not been resolved yet, surely you believe that it may not be resolved in the next two or three months, no, i did not say that, i mean that it cannot be predicted now, the central bank will follow up and issue supplementary directives. your infrastructure is all perfect for this to happen, the infrastructure we prepared is our infrastructure because we have been working for this infrastructure of the central bank and the banking network for years. the banking network gets involved and the work takes a long time. as a result

, we tried to solve this problem through administrative procedures and processes. which led to the same directives that your service gave you, and you say that the system is complete, that's right, the systems are complete, see if you want to complete it a little or not, and see how this is to avoid the development of the system that involved 30 banks. and this process was long, it is the direction of reforming the process, and now this process reform has not worked, for example, since we have been talking for so long , it seems that your plan has not changed, for example, to change the system in a different way ? not what the central bank did it would be useful for me to explain one thing. if i can summarize, when a person receives a check, the balance is secured.

in the first place, the responsible bank should account for all the personal accounts in that bank, and if it could be transferred, the discussion of transferring the existing accounts to the current account means that the balance of that current account should be secured and the check should be paid before the check bounces, that is, at all. if it does not result in the check being returned, this first step and the second step will result in the check being returned. we give 24 hours to the banking network, to zenit chek, and to the account holder. transfer to other accounts in the banking network and complete the check to that current account so as not to block the check, all accounts will not be blocked for that amount at the moment. do it now, if this doesn't happen, can

the banks themselves provide this opportunity, which they can't do now, but can you do it in a subtle way? according to article 30 of the civil code, no asset can be removed from the possession of its owner except by law. and the silence of the law in this field, in the discussion of whether the check is allowed i don't know if it is allowed, it means that it is not allowed to transfer money from another person's account to the central bank's banking network. yes, unless there is a court order . thank you, mr. mirzapour, mr. pajman faran. it has not been done yet, so please tell me that now assuming that 24 hours have passed and it was not possible to consolidate these accounts, mr. mirzapour says that because the law is silent here, even though the center naturally cannot do anything, can it be possible that, for example , if we have money in a bank

the bank itself should request that the check be sent to the account where we have the check, and the transfer will be done by itself. the person who receives the check will have an easier job . don't follow these scams anymore. don't confuse the issues. the issue is that there is someone who has an account, that account has a deficit, he could not cover the amount of the check he drew, in fact , he refers to the width of the recipient of the check . we give you a deadline, go and do it so that you will be among the others who have bounced checks and the bans for being in the ranks of those who have bounced checks and the bans because you are in the ranks of those who

have bounced checks and the bans because you are in the ranks of those who have bounced checks and bans this is because you are among those who