[000:00:00;00] the islamic council is present, mr. mirzapour, the manager of the central bank's software department, will also be added to jamaun by phone. greetings to all the guests of the program, i would like to start with mr. pajmanfar, if you agree, from mashhad, mr. pajmanfar, now exactly the problem that exists, we are a part we saw it in the report, and i told the viewers what your investigation shows, 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 of there is a bank area regarding this matter, according to the reports that have reached us so far, we do not see any justification for the non-cooperation of the banks with respect to the implementation of the law

. a complete balance should be returned to the bank again. this is completely wrong. you see, the legislator is actually wise. the legislator is careful in his issues so that the people's problems are actually solved. the legislator does not want to cause inconvenience to the people. we will help him get the number he wants. for this to happen and if it is said that the balance will be presented to the account when it reaches the recipient, do you think why there is this lack of cooperation because some experts say , well, anyway, for example, if more money is deposited in bank accounts, for example, it is better to stay or have extra money.

let's see what you think, i can't read intentions, but what is certain for us is that the opinion of the legislator is clear, the philosophy of this issue is also quite clear that we , basically, the legislator has come to act on this issue so that he can solve the people's problem. basically, the check should move in the direction that it should can solve the people's problems in some way, thank you very much. now that my communication has been reconnected with mr. pir mofar, mr. shirazi , please tell me about this challenge that has arisen for the people in the banks, how much you have checked and how much you have dealt with. did you do it, and when will it be solved? and what do you think is the real reason, because they put forward many reasons . now, i also asked my page. well, in the name of allah, the most merciful, the most merciful , i offer my greetings and respect to you , dear viewers, dear guests of the program, i

am at your service. that the issue of fixing is actually the effect of the checks you are back. it seems that i have made a mistake. maybe some of the branches of the banks, with a part of the report that actually announced that the necessary circular was issued by the central bank and created this capacity . there is a problem with my work, this is that some branches, when they want to refer to the account, to cover the balance deficit, and then announce that i actually cover the balance of the central bank , they face the trouble of blocking the account, which was previously caused by a bounced check. it is created in the system with the central bank's message, not now but later think about the first person who got his check bounced. i don't know. that's all. look, my check bounced. now i'm coming to the branch . i had a check for 100 tomans. i had a balance of 50 tomans . it was returned for a deficit of 50 tomans. yes, i'm coming to the branch now and i'll say 50.

i want to pay tomans so that the 50 tomans in my account will be 100 tomans. in fact, the problem will be solved when we return. yes, accepting the blocked account based on the independent method announced by the central bank. i don't have money for that at the moment, so you come here with the total of 100 tomans give me the amount of failure. i will give this message to the central bank in accordance with paragraph a of article five , and they will ensure the balance. after that, the central bank will come and inform the banks that this check has been cleared. now the accounts will be opened. you have access to if this is a mistake, the banks and shua can first of all know that the whole account is not blocked, the amount in the account is blocked, so naturally the bank is aware of this, the amount is now blocked, there is no need for us to have a whole account again, i agree, i say this is the case with some branches. it is a mistake if the number in the account is in the right place, it will be a deficit

they have to take it, the amount of the check will be collected, and then the solution will be announced to the central bank . and that check can be withdrawn for the benefit of the holder for up to one year. now here is the mistake that you confirm that some branches of some banks have, and the report prepared by my colleagues seems that most of the branches are of most banks and except few of the branches of some banks do not do this. well , it is my duty to bring a check. what is wrong with this bank? the fact is that there is a capacity to follow up, but that capacity is definitely so much time that it makes people tired. well, for example, we have 20,000 branches all over the country. what should happen, because now it can be electronic

or something else that you, as a service provider, can bring up. people, this challenge should be solved. definitely, this dish, as we are saying , costs 100 million tomans. doing the same thing, the same 10 tomans, 10 tomans for some earning is hard or the people are right. 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 does not listen, he can go to the central bank of the inspection department and this he should raise his complaint, the process of claiming the right is defined and it is clear that it is not a very general thing, but the fact is that the banks should come in once and make their branches understand completely that sir, the capacity that has been notified using clause a of article 5 is operational, there is no need to provide funds. it happens that the circular is sent to the branches, for example, from may, but i agree with you, many branches may

not have reached that common understanding yet, they do not read and implement it, and now this capacity is a legal capacity and a rightful demand . it should be implemented. thank you very much, sir. raim, what do you think, do you think that private banks are the same, that is , they have a wrong interpretation of a circular, or do you think there is another reason for this? in the name of allah, the most merciful, the most merciful, while offering greetings to his highness, all the respected viewers and mr. shirazi and your guests, this is your service. the problem has many aspects, when the check bounces , if the amount is too much, the bank does not take any action at all , the central bank system is in trouble. the automatic system of the customer's accounts in iran's aqsanqat is blocked by anyone who identifies the customer's account. no bank

has the authority to do this. the bank whose account is blocked has issued the same when the customer comes . because we don't have this account, i can't open another bank account to bring someone here to get money and pay a check, so i have to tell the customer to deposit the entire check in your account. i can pay only in one case, which was mentioned in this circular of the central bank in june, and it has been done before . we can do it in this way if there is a bank branch that has bounced a so-called bounced check in your account. if a customer deposits a check in his current account, we can freeze the amount and issue a check for that amount . naturally, the account that drew the check should be filled and

the amount is there, but if the check has gone , the account is blocked in a third party bank. ok , tell me how many banks are possible, one of four banks toman, we don't care about the rest of the banks at all , we think about the account in a bank. in the same masoudeh account, we brought 50 million, let's complete this 100 tomans, the bank doesn't accept it either, it says no, you once again, they all accept it , now i have the courage to say, unless now i am in the same thing from private banks. i know that if the money is in his own account , it is equivalent to a child's check. shirrazi, on behalf of the state and semi-state banks, a large number of banks say that the amount is wrong and it does not happen.

we can bring it, we say again, the money is blocked in another account, we have nothing to do with it, where is the money coming from, come on, we say money, we came to the branch with our paws, we said, please give this money, mr. bank, we say that as much money as it should be blocked in the account the work has to be done, not more than the size of the check that is, if we have a check for 10 tomans, don't bring it, we have 50 tomans in the account , let's bring another 100 tomans and give it to the bank so that our money will be in the bank 15. look, we can't talk anymore. 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 cleared or returned. no, no, how much is completed in the account? it was 50 tomans. it was 50 tomans . it will not happen again. we saw the report together, that is. my colleagues, private banks, public banks , have you visited their different branches, have you seen that they have prepared a hidden camera these things don't happen in private banks yet. i dare say it doesn't. now we want to see which

bank is not a private bank because this software does software at all. when my friends and colleagues come to the bank, they see it. when it is completed, i block the check and block the amount. they are doing it for 24 months until the check is done. well, mr. mirzapour is with us. mr. mirzapour, tell me how ready your infrastructure is for this to happen. now, the reports that my colleagues are preparing seem to be a circular . that you hit the infrastructure that you prepared basically, there is a problem that this goal of the circular will not be achieved or it is a different iran . i offer my greetings and respect to you, dear guests and honorable people of iran . i accept part of your words. in this part of this part, some banks are apparently still not justified that the part of the letter that the central bank announced must be implemented, some parts related to

the lack of completion of their systems, their systems must be developed to be able to do this, sometimes i have encountered with the lack of proper training in the bank branches, when the client comes, there is usually no explanation or circular they don't know the procedure or they don't know the procedure, as a result of this, people are exempted. i agree that some of the number of branches do this, but how many of the number you say, for example, how many banks, it is very difficult to get statistics , how many percent they can do this or not, but in the last few months, it has gained momentum, because the circular issued by the central bank a few months ago and clarified exactly what the branch should do, step by step, for zineft to get what it deserves , i need help from the network. bank will be given and

how long will this step by step take? because like that you say that you seem like a bunch of banks, they don't take much, well, banks should take necessary measures in this field. if our people have problems in this field, they should definitely contact the supervision department of the central bank so that we can communicate with us through the transfer of the request made. when will we finally be able to deal with the bank ? what the central bank should have done was to clarify the issue he has sent two circulars and informed me of the steps step by step . the rest of the banks, the central bank's role cannot be neglected here , because it is the supervisory department of the central bank, which must have already entered this field and will find out from now on . will continue. well, can't

you specify a time to reach that result step by step? the fact is that we can give it any time now , let's give it a time of two or three months. in a month, you are the one who says that the issue has not been resolved yet. surely , you mean that you believe that it may not be resolved in two or three months? no, i didn't say that, i mean that it cannot be predicted now, but the central bank will follow up completely, for this to happen, the infrastructure we have prepared is our infrastructure , because we have been working for this infrastructure of the central bank and the banking network for years. our initial assumption was that this infrastructure will not change that much. because if we wanted to develop our infrastructure, the entire banking network would be involved and the work would take a long time. as a result, we tried to solve this problem through procedures and processes, which led to the same

directives that your service gave until your order is complete. that's right, the systems are complete it's a little bit, you don't want to complete it, and you don't want to see it, the issue is to avoid the development of the system that involved 30 banks and this process was long . who has not answered, for example, since we have been talking to each other for more than a month , it seems that your program has not changed, for example , you have changed the system to another way, not what the central bank has done. let me explain it, let me summarize it, when a person brings a check whose balance is insufficient in the first place, the agent bank is obliged

to check all the accounts of the person in that bank, and if it can, if yes , the account can be transferred . and the check is paid before the check is bounced, which means that it does not lead to the bounce of the check at all. this is the first step, the second step is the bounce of the check. he has the opportunity to transfer checks from other accounts in the banking network to that current account. make an account so as not to block the check. so, all accounts will not be blocked for that amount at the moment. yes, we do not block for 24 hours. then we block it for 24 hours, which means we allow the person to go and do his administrative work. now , if this does not happen , can the banks themselves provide them with the possibility that

they cannot now, but can you do this with an infrastructure? you see, according to article 3 of the civil code , no money can be removed from its possession except by the law and the silence of the law. another person, unless it is a judicial order, thank you, mr. mirzapour , mr. pejmanfar. now, the point that has been raised is that if you say that this directive has been issued for several months, it has not yet been implemented. mr. mirzapour says that because the law is silent here, the central bank naturally cannot do anything. is it possible that , for example, if we have money in a bank, the bank itself requests that it be deposited into the account where we have a check?

the transfer should be done by himself, no one else checks the work should be done more easily, don't follow this run or not . see that the issues should not be mixed up . see that there is a problem related to this issue. there is someone who has a different account, that account has a deficit, but he was not able to pay as much as the balance that he drew the check. in fact , if he provides the number, he goes to see that the receiver of the check goes to see that the check is not provided. the account will be blocked, they say, sir, we will give you 24 hours to do this, so that you will not be among those who have bounced checks and social exclusions, etc.

naturally , this person is going to be offered quickly , or he gets this money from another account he has or from another place, he puts the rest of the amount. let's not go anymore. you are saying that now, for example, you will have a meeting with the central bank to resolve it , because it has not been done for several months. those who do not follow the law should be treated as violators and therefore, as a negative point for all banks, whether public or private, not complying with this and causing people to do this, even now i am saying that the damages may

have reached the people due to the non-implementation of the law. if the people have been harmed due to the non-implementation of the law, these people have the right to go to the courts, and the fact that a bank and a branch has not respected these rights, in fact , they should file a lawsuit, the judiciary must take care of this issue. now, for example , i had a check, i sold my blood, for example, farz please tell me, 10 billion tomans, a certain amount of that number was supposed to be paid by me for any reason , 9 billion, and i don't know that a number was paid and i was told that i could not do this, this check was blocked, naturally, in connection with the fact that if tell me, sir, go and bring another 10 billion to complete your account. and this will cause him to send me in search of a path

that will inevitably cause losses to me, considering that the law is very explicit and clear. due to non-enforcement of the law notice the issuer of the check and tell him that you should go and get a complete number and pay after him. because your time, this number should only be assigned for a certain time, because the central bank, for example, says a certain time. naturally, i cannot do that. are they present, or do they accept or not? no, you see, there is another issue that the gentlemen of the central bank are raising now , your honorable guests, and that is that i have now issued a check as a personal deposit , for example, let's say 100 million tomans 90 million. tomans is in my account, the check was issued 10 the million tomans are in another account. is it possible that

my 10 million tomans will be transferred to this account without my permission to top up my 90 million tomans with 10 million tomans and my check will pass or not? this is naturally a legal issue. you are pointing out that because i may have issued another check based on that other account , i have another account, you have to take it from that account, complete this account , do this, but this is out of our discussion, not me. i said the first argument, this is the beginning, that now they have to take a lot of money as much as once again when will we follow up on your meetings with the central bank, a report prepared from all the banks, because we have not named the banks yet, i don't know which banks they all are. which i am reporting to you is a violation, and i must report this issue to all

the heads of banks, considering the transparency of the law , i must report this issue to the governor general of the central bank , who i want to report this to all the heads of banks mention the problem and, for example, if they want an explanation, they will branch out and tell them about the problems on saturday, i will warn all branches of this issue regarding the non-implementation of the law, considering the transparency of the law in this matter and the notification that the central bank has issued. you can't see the problems , we have to pay attention to the disadvantages of the law of this issue. the law has been made so that the recipient of the check does not face problems , but he has considered an issue. do we have the right to challenge people's lives? now the party has

sold his house and issued a check. if there is a partial defect in that account, i issued another check, for example , i issued a check for 10 billion , 50 million tomans, 5 million tomans. 10 billion more, you go here, bring another 10 billion and pay for the sake of 5 million tomans , this is injustice, this lawmaker has no opinion on this issue at all. where did it arrive from the central bank? in these processes, the owner of the check must go to the branch in person, go there and do the work. this process is possible. i pointed out a few points. in a very brief passage, two issues were brought up. i would like to give you an explanation about

the fact that we have the opportunity to obtain permission from the account of the account to be financed from another account. this has already happened and in the forms of there is an account . by the way, we don't have a problem with this issue . it's about the discussion of friends who said that article 31 of the civil code, if i'm not mistaken, says that withdrawals from the accounts of people who need permission are normal. we are in a situation where the check has bounced, the lawmaker has given me an order to unblock the account, he has given an order to block it, and he has predicted a capacity to issue an executive order to collect claims. this is different from the usual situation where i want to get my hands on your account. there is a banking system, the central bank must come in and use the power of the law. that's when you get a bounced check . you have a balance of 100 million in 10 banks . you have a balance of 10 to 10 tomans. they will lock your account . your access to that 10 to 10 million tomans

will be cut off. 10 tomans my check was returned to the owner the money does not reach my sub account, the financial system has been stopped. we have to design a capacity to have the access to withdraw the money that has been seized by the law for the benefit of our holder, without judicial work. let's implement the calculations that have been carried out and do this, and i think this capacity can be very much the same process as the current process can also be electronic . may god keep you safe. prostrated thanks and praise be to god. this palestinian teenager makes a prostration of thanksgiving. because he does not believe that he has tasted freedom and his feet feel the ground. that too after enduring tortures that were beyond his age.

he was a child when he was captured, and his childish face has changed under the burden of the occupying regime and his endurance for his cause, and has become bigger than a child's face? before i was in a second form, and i was a second person, and in the second form, that is, before i was captured , i had a different personality, and now my personality is different . they beat us, they attack us, and they break our arms and legs. resistance movements were also included in the list of the second group of palestinian prisoners, including six women and 33 children, including wael mashsheh and ezzeddin sudani, who lived in the camps, which

is actually the largest prison. it means that you are going to die, it means to say soon. they saw their friends in the open space, but heroes are still imprisoned in the prison of the occupying regime. the second group of palestinian freedmen were captured when they were children. they have become men by being aware of the palestinian issue and its cause, as well as tasting the bitterness of the prisons of the zionist regime, and they hope that

their friends will also be freed.

asmak al-aswad hamza allah, god willing, atonement for khloh under yeslam shabab. at 2:00 p.m. parand metro station will be put into operation today with the presence of the president in the presence of the president. with the operation of this station, the city of parand, with a population of 45,000, in the southwest of tehran , will be connected to the northernmost point of the capital. connecting the city of parand to the payet subway and fulfilling the long-term wish of the people of this city. if they really start a subway,