let me tell you, for our dear people, who may not know what hizd note is, yes, it is a very short line from the government to help small and medium businesses that may find it difficult to apply for bank facilities with rates of 20 or so percent and provide these. a part as government aid for facilities with a preferential rate, for example, about half the rate announced by the money and credit council to all banks. the government provides a resource and tells the banks that by combining this resource that i provided with your own resources, the banks are also obliged to provide one and in 1402 twice the resources provided by the government. they also state and provide small and medium producers with a preferential rate. this is what happened in note h8. until 1400, this responsibility was in other parts of the government. the budget law of this year assigned it to the ministry of economy

in september 1400 we came to the government, well, it almost didn't work because the rules and preparations were not complete yet. we spent the second half of the year 1400 to get the necessary preparations and permits, and it was actually the year 1401 that we were able to deliver the resources of 1400 to the producers in note 18. its digit number is as follows from 9. one thousand billion tomans of resources that were included in the budget, combined with the resources of banks, 44 thousand billion tomans of facilities with an interest rate of, for example, 9% , 10%, 11, almost half of the approved rate, were allocated to economic activists for creating 140,000 job opportunities . this was the first time that

instead of, for example, 2 trillion tomans and 3 trillion tomans, the government converted 19 trillion tomans to 44 trillion tomans along with bank resources and in a wide range, which is actually very pleasant messages from all parts of the country received this help at a low cost rate for production our producers and entrepreneurs were in 1401, their resources were again allocated by the program organization at the end of the year. we actually used 16 thousand billion tomans of government budget resources , which were combined with the bank's resources and increased to approximately 43 thousand billion tomans. of course , in 1402, we were using 41 sources for 26 research and technology funds and guarantee funds that were produced very often. they need the same

help. we tried these guarantee funds for small industries, handicrafts, knowledge bases , nano and biotechnology, and the like. let's strengthen the resources of 140 and 1, which were actually used in 1402 , were about 14 thousand billion tomans of resources that the value program organization. but really, one of the points that helped , you know, our unemployment problem

, for the past two years, has been the best of the last season. i was following the account of the treasury unit, which i almost think has come to an end, right, mr. doctor , yes, it has been terminated. it did not go under the load. all their accounts were transferred to the treasury account. yes, we had a number of oil universities, of course , there are still a handful of medical sciences universities and a number of two or three special companies. they are no longer an obstacle, the problem is this. that they previously

, they had obligations with the country's banking network until the contract expires in the banks and the time limit has to be borne by the bank. they will be put in full form. we faced resistance in the first year of the government, that is, they said, why do you want to open an account ? we ourselves have accounts in the banks that we work with . mr. president, it is a good thing that the government should close two cases, one is a single account case of the treasury

, which is disciplined. well , what do you want the companies to do to organize your home ministry? let's face it, it is the state companies that are resisting there. both the ministry of home affairs and the executive bodies of the three branches of government, the parliament, the judiciary and the executive bodies under the other powers of the guardian council , for example, as well as the government companies that have a large volume of this case, which was a dream of many years, from the fifth plan, the sixth plan, yes, according to your words, the original 53 this event ended in 1402, besides , it was meant that the money

would not be deposited in the accounts of the treasury unit, the government would make the best use of its resources, so that the government would spend money, apparently, but it would not end up in the hands of the contractor at the end of the line. or government agencies, any even a contractor who contracted to with a government or quasi-government agency, this happens directly from the treasury account, as soon as the status report is approved, the contractor of the executive agency issues the approvals, the organization approves the program again

for final approval, and orders payment for the construction project. it is issued, this actually comes from the program organization. the economy and treasury of the country directly deposits this to the contractor's account, a direct credit payment for the final benefit, which is actually in the sub-accounts of the things we had before. if a manager wanted to play games with the contractor, now or really, even one month or two months deposit of this money for that machine. it is not possible to use it anymore. yes, the government said that i paid, sir. the contractor said , why didn't it reach me? if the government paid , the last chain, i should be able to account for my workers , where i bought the raw materials, i bought cement, i bought steel , i bought non-materials, finally. this hospital

, the school that i built, the road that i created, i have to go and clean up all this . but this problem had not reached the contractor. for several decades, the country had a system of contractors who said, sir, can it really be the moment when you press the enter key in the government and the funds are deposited from the bank account, that i really did my work and i need it, you know in the economy inflation that we have 400 less and more inflation every year, well, after a few months this money reaches the contract, a part of its purchasing power will decrease again, it will be lost like an ice that melts a bit . and onor, a collection of our young engineers and project supervisors or salespeople there are materials waiting for these funds , alhamdulillah, the treasury unit account, which

is the model of the government's financial discipline, so that the government can start being disciplined from itself, and i will tell you this, until the government is not disciplined, it still has to go to pay farvardin. he used to borrow for the time being as a salary and the central bank, etc., so that he could get through the beginning of the year, and as soon as we implemented these strict measures in the government itself, we and together. the government was seized in the account of the treasury unit and then the payment was made to the final benefit after many years that we don't know what was the period before that because all the decades the last time that exists in our written history , there have been these payments and borrowings. 1401 and 1402 are the only two years that, thank god , we succeeded by creating this discipline in the finances of our government and state-owned companies without those payments at the beginning of the year

for current and construction payments. let's do the country and the monetary base has not increased, yes, the effects of inflation that they have, let me tell you that now , what else do you have in order for this financial discipline in 1403? monitoring financial reporting items and elements the financial system that we can now have at a moment's notice, in which department, what payments are being made, which devices, etc., this system of financial reporting and financial allocation for the government. we can establish for the experts those who can help in a specialized sense and

linking this incident that happened in the government treasury to the others means that we want its benefit to the program and budget organization, even the regulatory institutions, i.e. the government itself is going to welcome transparency and supervision. if the national accounts court needs information, then it will not be monitored after something happened let the monitoring device come in and tell me why this happened 6 months ago, why this happened 3 months ago. we can provide this online information to the monitoring device and provide the possibility of monitoring during implementation, not post-implementation monitoring. it seems that one one of the examples of this discipline

is showing itself in the banks. well, in the last year or two, you have repeatedly talked about banks that are unprofitable and their capital adequacy is low or negative. you talked about what your plan is that this procedure has been prolonged banks should be reformed, and many economists believe that until this story is not corrected, in fact, the inflation story will not be corrected until the banks continue to operate and this will lead to the so-called lowering of the capital adequacy index. yes, it is a problem. banking indisciplines in our country must be recognized as one of the deep-rooted problems of the past. it was especially from the 1380s and 1390s that basically the composition

of our private and state banks, the incentive system of our bank managers changed in these two decades, and unfortunately, following this change in our non-state banks, the regulatory and control system for the banking network of his country, it did not grow , it did not mature, this is the problem. it was very serious. well, mr. president's order was that one of the important points of development is actually to correct this wrong practice that existed before, in relation to banks with low capital adequacy, which they say in terms of international financial standards and so on. at all, why such a low number means banks that can be at risk , well, something must happen. we used to make a special plan, although in the last year of the previous government, 2019, there was a

capital increase in some banks under the government. it was formed, but that increase in capital was not a real achievement, because it was based on the fact that we re-evaluated the existing assets once again to see if the capital and assets became more expensive. . from the point of view of the banks that are performing well, their management will be better , so they will be profitable. about 13 banks are under the authority of the government out of the total of 30 banks and credit institutions that exist, these 13 are operating in a disciplined and efficient manner, and apart from the rumors

that unfortunately exist for some banks , we should improve their management and improve their profitability from the point of profit. let's increase their capital adequacy so that no one inside or outside the country can complain that these banks are troubled banks. thank god, in 1401, 12 out of 13 banks came out of losses, and in 1402, although we have not moved too far, the statistics the exact and final will come out in the coming days, but hopefully lt is. that all the banks under government management have come out of that loss , their profitability is the amount that was used for the adequacy of their capital, which is about 20 and 30 thousand billion tomans, the amount of capital increase that

happened during the three years of the 13th government and now you may say that this is 230 thousand billion tomans. in fact, according to our colleagues, 230 efforts, so how much is it now , in order to be able to compare with the past, we can say that about 80% of the total capital increase that the previous governments did , increased the capital in the first 3 years of the 13th government, mainly it was an effort to some of the banks may be interesting for you, about 18 years of one of the banks . saderat bank had not increased its capital for 2 years. well, a very good thing happened there and some other banks, which resulted in the power of their lending and the financial health of the banks themselves. the second point you mentioned, and for our dear people, this is perhaps the most interesting part is the issue of corporate ownership in the issue

of corporate governance of banks. they should look after themselves and the bank should do its own banking economic work related to banking, for example , if he wants to secure capital for his stock exchange work, well , it is completely related. he wants to have an exchange office for his own currency. yes, but if you come to irrelevant companies that are not related to banking at all, and you just specify the board of directors for that , you will not get much work in that industry and that company, just take more soda from there at the end of the year because the problems in your bank solve it, don't think about that industry you should think about that mine, think about the energy sector and the like. well, from 1994, when the law was passed, until september 1400

, when we entered the government, about 54 thousand billion tomans, about 54 and 55 times the so-called total surplus assets of the banks were sold from from september 1400 to the end of 1402, in these two and a half years, approximately the number that was handed over is 77 thousand billion tomans in two and a half years compared to 54 thousand billion tomans 6 years before that and we are from here. many times, they have an excuse that if we hand over a certain company, then some monitoring agency may come and tell us that this why did you sell it, you kept

it, it would be more expensive next year, you sold it cheaper and the likes of the government in order to take this excuse and show its real will. it is serious that banks should not conduct unrelated banking activities. he had a very good mastab in february 1402 and he said quite clearly about the companies that are listed in this way and with this method, this was of course the resolution of the general assembly of the banks, which was actually approved and enforced by the government in a way, because may he gain more strength and thank god, i am happy for this opportunity. i should use it and say organization the game of the whole country and the set of regulatory institutions and the judiciary is completely compatible with this approach of banks not to do business. having and declaring that they welcome this approach of the government. we hope that with this resolution, we will even increase the speed of 1402, which i mentioned in total, was more than before

. in 403, as an example, the national bank took a part of its capital and established shazand petrochemical. and it is one of the good petrochemicals in the country because of its quality. but it wasn't supposed to be until years after the company was established they will stay in those places for a year. with the same resolution that the cabinet of ministers had in march 1402 , shazand petrochemical and national bank, a subsidiary of national bank , received about 24 thousand billion tomans of cash, which was then used for new investments, that is, the country's banks. not that they will eat this money, which means that they will end up using it, which means that our strategy and

strategy , your friends, is possible. the creation that the country still needs in some parts they are either risky, they are scientists, or they are very strategic for the country . let's invest these resources in new investments and for future generations, others planted them, we ate them, we have to plant them, so that in the years to come, they will say that such and such a group, for example, the knowledge base of the country , is the product of investments that our predecessors made in technology , technology, jobs, and so on. in fact, it will continue to be exported, god willing. for the future, god willing, we have about 5 minutes, mr. doctor . i still wanted banks tell me a little more about private banks and what you did with them, god willing, another chance

, but let's go to taxes, one of the events that you have followed in the last couple of years is a fairer tax system and the law on the terminals of the maadian system stores. please tell me how far this law has progressed and its implementation and what achievements it has achieved so far. where will we reach in 2043 ? if you can tell me this sooner , i have a question about giving equity shares to new beneficiaries or survivors. i will try to be very brief. in short, open for the dear viewers in relation to what we mean by saying that the tax system and the end of the store were supposed to be a very simple line, it is that instead of paying the value added tax through paper invoices every three months , our producers of our company

should prepare or send all the documents. the tax organization or the tax officer should come and check all this and confirm it and in fact it will be final and there are some margins where corruption may be formed. this type of corruption is the same general view that i have presented to you the key word is facilitation and the key word is to become smart and make economic relations fair. let's go to the direction where all this is done in a completely systematic way. it is not my taste to tell if i am good or not with your company. i want to tax you or if i am very good with you. let me do the calculations in another way, all of this is like human intervention, and it should be systematized to a minimum. this is the duty that there was an additional tax for borzash

, which should have started in may 1400, that is, before the 13th people's government started working at all. but when we came, we saw in the government that the infrastructure is not very ready at all and there is no work at all . it is one of the big events that i would like to summarize: the fact that electronic invoices will be sold in our country means that a large part of the country's frauds through fake and syrian invoices will disappear, that is, an important part of the cases. document productions , courts, checkpoints and the like, which will be caused by these fake invoices and the like, will disappear, and it is actually one of the major turning points. its infrastructure is very large, the parliament agreed until

the end of 1402, in fact, it gave a deadline that from the winter of 1402, all the activists who express themselves in the system of warehouses and store panies from the beginning of 1943 will be added throne tax only through a system, no more paper. the arbitrary game of the auditor and the arbitrary choice of a government official, in which order it should be done, this is the event that i have calculated, of course, that so far about 17 thousand economic companies have joined. in the first step, because it was designed, only companies whose income exceeds 18 billion tomans should join this system. well, the majority of economic activists, especially the activists of small businesses, etc., are still not included, otherwise we have created 9 million active folders

for all miners in the country. but the part that is obliged to have a smaller number until the end of 1402 , the beginning of 1403, well, this number will definitely take a very large coefficient. it is not enough for us to be able to complete the end of the store and mine system in one minute regarding the remaining equity shares. if you can tell me what what is going to happen in the year 403 and what is your plan for them ? covering the support institutions of the welfare relief committee or other weak groups

that are under the third decile, in fact, the first, second and third deciles, so all these types of beneficiaries were identified , there were about four million and 700 thousand people who were covered by the support institutions but still did not have equity shares. they fit a package of portfolio and assets the government had provided that when the package of stocks and shares was brought up in the cabinet, some of the stocks that should be allocated to the people had problems, for example , they were pledged by some banks and financial institutions, or the economic activity itself because it needed it was to be done through centralized management for the time being, but it was opposed to be done in the form of equity shares, so it lasted until the end of 1402, considering that in the budget law of 1403, which of course you are aware of, because the 1403 budget for for the first time

, we have seen a delay from the side of the islamic council we are waiting to see the final ruling in the 1403 budget for the full implementation of the law in the first year when the internal regulations of the parliament were changed . let's predict his justice. thank you very much, mr. dr. khandozi , the honorable minister. i also thank you for your patience , dear people.

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