this is the problem that exists in the calculations that friends have, they count the balances of the loan deposits, they say they have so much left , see, we have to consider the change in the balances of the loan deposits, this year, in addition to the post deposits we came and got involved in the collection, we got involved in the current deposits of the banks . how much were the total resources, separately, how much you have allocated for the loan, how much of the current one , how much was the current one, and how much did you bring? look at the total power that we calculated. for

the banking network, there is 317 efforts that the banking network can pay for education this year, ghazal al-hasnah loans, not only, i am saying, that is, all the facilities that the banking network provides for the various top-ups of qarz-ul -hasnah, top-ups of qarz-ul-hasnah loans , not only what is in the budget law, we are the laws. we have another one , that is, it's not like we have the idea that the generality of the good loan of the banking network is only marriage and children, not the one that

actually has these benefits. roshni it was showing that since 2016, if you friends pay attention to your chart, the marriage facility means the expenses that are there, from 10 million, maybe 30 times, we can see, dear, the inflation has increased , we can't do it anymore, it doesn't have a single view, we are talking about the loan. let's do that period itself. look at those institutions that are obliged to expand the culture of charitable loans. is it really possible to give them now? yes, now people's money is traveling. now, the 190 hems you have is 10 hems less than the legal limit for a marriage loan. yes, it is not a marriage loan. look at the 200 hems that you have. marriage and for another child, you said that you paid 190 for marriage and children. it is the floor that the parliament has set for you . you can see that 200 and 10 for others, that is, the clause that the central bank has obliged

you to pay at least 200. mr. rahgosha mentioned in my report that the parliament had 300 opinions, and the central bank's consultation was 200. that's right, anyway , you didn't say only about jari. now , let's ignore this discussion and see how much jari can see. this is not my opinion. this 317 is the total capacity of the bank network see again

i didn't receive even a single rial of ghazal hosna's teachings yesterday. dear minister of economy, i announced last night . thank you for giving me a good explanation. we talked about the same sources, and what happened that you observed in the last month regarding the changes in the payment process of your marriage loan, what results did it bring. salam alaikum and may god bless you, to your colleagues and all the guests and viewers of the program , i offer my greetings and regards. as mentioned really , we did not see any change in the activity of the banks in connection with this issue, that is, in fact, the banks are doing the same procedure in the past in relation to giving facilities . today, there are several issues that these

loved ones should really answer. the first issue that i mentioned in the last meeting is the most important issue. the lack of transparency of banks is one of the supervisions that the central bank should have in this matter. really, the facilities in banks, whether they are in the form of loans or non-loans, nothing. which is not clear, that means today, gentlemen, i don't know what is the basis of this number 317, which they are announcing today, that can actually be supported by a logic and a calculation number and figure that can support this. we do not have such a number in our calculations. what we have estimated and based on the calculations and the reports we received is that the capacity of

the qarz al-hasna loan facility according to the available resources is the same as pointing out that there are more than 500 efforts, a part of which should be the qarz al-hasna loan as the marriage education loan is part of it in connection with employment and other matters that are foreseen in the law , but the gentlemen should really clarify this issue, we as a supervisory group, of course, i would like to say this, this previous meeting that we had about 21 two days ago and at your service well, this is what we in the parliament are involved in. we discussed the elections, the selection of ministers and these issues . the commission was almost unable to hold a meeting . we will definitely have our own meetings

. the behavior of our banks should be accurate let's see who they are giving these corrections to, i am an example. we have 9 banks in khorasan province, out of 30 banks in mashhad , they are collecting people's money, which according to our calculations, more than 12% of people's money is being deposited in these 9 banks. there is no kind of transparency in these 9 banks , what they are doing now , they are not responsible for any purpose, we said this in the meeting that mr. farzi. we discussed with him when he came to mashhad, and he said to warn his assistants that we will definitely discuss this issue when we return. we must make it clear and answer these 9 banks that have responded to the trip from mr. farzin to mashhad

. it has now been more than five or six months, but no action has been taken, that is, the banks have not even responded to the central bank regarding this. the issues do not differ in the case. they are doing their own thing, and the fact that the central bank today cannot find an entry and actually stop these banks is a fundamental weakness in relation to what they are doing, so let's not go through this issue, someone will come today. tell me, under the oath of hazrat abbas , the facilities that we can provide based on deposit there are 300 17 equals, someone should come and prove this to us, we will submit to this issue, our parliament will never do the task to the malays of the apparatus room, including the banks, but what logic has confirmed that this is 317 people. the capacity of current deposits and loan deposits

for facilities is this amount. basically, this does not make sense. mr. pajam, there is also a point, mr. sahabi , to point out that 190 hamat has been paid for , which means that the central bank has taken into account the floor for marriage and childbearing loans. the parliament has appointed 200 equal explanations of mr. sahabi to give your explanations let's hear and see what the parliament thought was to be able to eliminate the queuing problem with 300 efforts based on the growth of the existing supply and demand. see, we should not ruin our services and in fact, with the worst of this situation , our own people. we are coming today to predict a number, the result of which is that we cannot provide these services to the people properly , what the parliament had considered, which was 300 efforts of the body, which calculated the growth

of the problem. according to both the number and the number of people who refer, this 300 requires you in this matter, predict the result. it is possible that we will definitely keep this in mind in the end , but gentlemen, in connection with this issue , it should be said that i had negotiations with the recognition assembly which was not supported by any logic, saying that we will reduce to 200 the efforts of the recognition assembly. he brought and the stipulation was that at least 200 hamats , so if you read these, the banks will claim that our obligation of 200 hamats is more than this, if we want to pay, they should give us permission. diagnosis said at least you should do this if you give the maximum, no one will stop you. you have to see how much you can give based on

what you give. well, now mr. pejman, the head of the central bank, says that i don't have more than 190, which means that the total amount that i want to lend to each other is 317 to 190 . what are they doing for marriage and children according to article 90? well, they must prove this, they must be able to prove this . there is no basis in this issue. in the first meetings, we wanted this in just one or two weeks however, the parliament was involved in the discussion of the vote of confidence in the ministers, and for that reason , we are informed that the coming and going in the parliament was prohibited , so that the parliament could fulfill its duty in this direction that we were doing our work. let me tell you two things about this issue. that this is an important issue , according to the report of the inspection organization, we

had frequent cases where these facilities were supposed to be provided to people, and they gave these facilities to a series of their own employees in the name of marriage facilities. file there are banks that commit violations in the name of marriage education. my question now is that if this is the case, how will they go to their own employees, according to these reports that have been published , all of them have been able to provide loan facilities to employees and divide them. how to find out that they are giving this is also a problem, we have to figure this out, after all, their point is that this number is not a loan, mr. hemti said last night, this is 911

, then they add 911, then they say, sir, this is not a loan, but a loan, for example, 4 is 6. therefore, this does not include his condition the other point is that hemmati said 10%, 10% , i almost think 5 to 10 years is such a number . see, now i will explain this completely . the reports are different. see, the other point is that you have to release this education every month. they tell the bank, that is, the central bank, this amount. we have given toman monthly to any bank that you provide marriage loans. this means

that this money is actually ready to provide facilities to people. two months of this money it is deposited in this bank. when will he give the answer for these two months of money deposited in this bank? it means , in fact, there is no delay in the deposit. the payment of these facilities is a condition and some points are found by the bank . where does this point go? someone has to come and answer this. today, the most important problem is ambiguity and lack of transparency in banks. we cannot solve this problem in our own country, bank. as someone who is in charge of governance in this country, if the central bank does not solve the problem with the banks, no problem will be solved. thank you, mr. pajmanfar, mr. sahabi, mr. pajmanfar's reply please tell me, there is another point in the reports that have been received from people, that basically

the site is so challenging that it is closed. naturally, this page is added slowly, that is, naturally, if the site is open, people can register and if this opportunity is provided, there will probably be a queue. you announce much more than these things that you have the statistics of, right, anyway, yes, look, anyway , this is the national media, this is the place where you should definitely talk to the people clearly, this is what happened this year, we were in 4 days of shooting, that is the amount, now this is 190. now, let's consider even 200 190 contributions that were intended for the entire year, the banking network. he should equip the resources and pay this amount of facilities by march 28. we made a commitment on the 4th of july. no, sorry, because our assumption is wrong here, we come to this wrong conclusion because you think the commitment means something that you are announcing that the commitment was 200 hemats, we gave more than the commitment, if

the floor of the commitment was 200 hemats, that is, if you gave 400 hemats, no one will come to tell you mr. central bank, why did you get 4 hemats, see this. the incident that i mentioned , we reached it in july in our past years we would reach it around december, that is, in december , it came to a situation where the amount of registration, i have nothing to do with the word commitment at all, the amount of commitment created for the banks is actually 44, that is, there are so many applicants for registration. it has happened that in four four banks, that is , if my servant and colleagues from the central bank system are closed. until the end of the year, as much as the minimum obligation, which is the maximum in my opinion, now you say that at least the banks will forgive the marriage process until the end of the year , which is characteristic. well, there have been more marriages, naturally, more people have come to take loans. if i make it clear, you can see that at least 780 people want money, which means that if this is the case

, after all, this is the national media, we must speak clearly if we want. all those who have not registered since previous years and all those who have not yet married this year, now if we predict that it will be the same as last year, we need nearly 800 resources . in general, the order of haj agha is correct. at all, the same 300 partners are now your colleagues in the program. we previously announced that if we want these 300 people, 300,000 people, we will give them on the new page we need money, reach out to me, that's right , my friends said it right, my point is that if all those who have not come now and want to say anything, these 300,000 people that you and i will check, yes, when you count like this let's look at it. it will be a very big number. naturally , everyone says that we shouldn't pay, but when you say that we need 91 efforts, people will have questions because you say that we need to pay 300,000 people from onur, according to what mr. pejmanfar said and the statistics that you published. we only

gave loans to your employees, if there is an opportunity, i will yes, there is a lot of opportunity for you, who have been in the program since the beginning, i will see now, haj agha. we have a report on the sources of loan , marriage, child loan for the employees of the lending bank. it doesn't mean that if it is not paid, instead of getting married, i don't want to defend it. you see, each chapter actually has its own specific expenses . banks are not allowed to pay in this way from people's deposits, whether it is a loan or not, if a bank comes. bekne tajem, head of the commission, principle 9

in fact, it is good to report the violation to the central bank's supervision department. it is good. i suggest that we serve haj agha now. let's really see for next year what are the solutions. anyway, there are a series of solutions. now to the non-cash issue that the minister of economy accused me of, now let's skip this , the system won't open, registration people, why can't the system open, see another characteristic, an obligation, i have actually been notified to the banking network, for example, the characteristic of saderat bank is to pay so much by the end of the year. now you say at least but we are talking about this, saderat bank is going to pay a certain amount by the end of the year. what do my colleagues in the central bank's credit department do? they divide this quota by 12 and divide it by day. they can open so much. now please, if i assume a number , 10. i gave hammat to saderat bank. let me leave it open, this will be 10 to 70. when should you answer this ? i asked why we didn't have this issue in the past years

. because in the past years, for example, they say caesar billion tomans, now the floor is 20 thousand billion tomans, but in your assumptions, you can still see that the education ceiling has been increased by 60%, but the power of the banking network has not increased to this extent. if the site is really opened and everyone can register, the queue will be much more than 349 thousand people. don't give up, this is an obvious thing , that is, how much will you see, at the highest possible level, that is, if we assume that until the end of the year, those who have passed years. if the persons who have been allowed by the law for the past years for any reason, they can't or don't want to, in any way, if they enter, they should register the number

of marriages that will be realized this year by the end of the year. if all this happens, we want something around 780. we want resources. how many are in the queue ? i said, how many people can you see, let's add these up, with a number above one million, 2030 thousand people. this is the highest possible limit, but in any case, it is clear that we have to clarify the issue, one is that the 50 hemets that we actually released will reach that number , that is, the number that friends say, at least we finally we released the bank deposits, that number will reach 245 in the next 3 months, when the next report is due. let's make it clear that the registration of applicants' names will definitely be easier from tomorrow. it is natural that i, as much as 50 colleagues

, will open the system more often. and i did not understand how long this queue will be until the end of october how long will the queue be until the end of mehr, that is, if we consider that we will have the same conversation with you in a month, how many of the 349,000 pages are there ? anyway, how many people are registering, it is not clear, not only for your esteemed servant. i would like to tell you that maybe this is more logical and can be checked . if we did not actually help these 50 people, by the end of the year, our forecast was that there would be 41,15,000 people around housh. 134,000 people will definitely be added to this number by using education. it means at least this flower i can, thank you mr. sahabi , this is not a ceiling and floor. we emphasize once again that it should not be mistaken, mr. rahgoshai, the idea

that mr. hemmati raised in the past few days regarding the fact that a part of this marriage education is being paid for. now, if anyone wanted the explanation last night, if anyone wanted to be able to get it sooner , he should get it in the form of a loan for goods and such . what do you think? if you allow me to give a short explanation about the discussion that took place, the discussion is that i think the explanation was clear. the representative of the central bank, who now gives good explanations and is fluent in the discussion they argue that the banks do not have resources, but what we as experts see from the financial statements of the banks, as i said, the balance of deposits is more than 2 trillion tomans. the loan education should have been done in different years, not in one year, and we expect it. this should be returned over time, that is, on average, if the roofs

are 10 years old, a fifth of them should be returned in one year. the savings given in one year, for example, 1403 , should be at least 300 thousand billion tomans . the honorable member of the parliament says that the central bank's calculations are not clear to us. what this means is that the central bank should explain how to achieve this 300. while the current deposits of al-hassan and bank savings are more than 2,000,000 billion tomans, and these will be paid back in at least one year, new deposits will be added. based on the financial statements of the banks, it is clear to us that at least 500 thousand billion tomans in 2014 with the lowest estimate. that is, with a minimum estimate, considering the new collection , the main point is that, as currently, it is not spent on education, marriage and childbearing, that is, the banks

do not spend a good part of their resources relying on that current loan for this education. it is not a correct law that says you have to get your education from this place, they say we can't go or we don't want to go here, what about the central bank as a governing body that is talked about a lot that it should be independent and that's right. what he is saying is that this is the bank the central bank should not only be independent from the government board, it should not be independent from the president, it should also be independent from the banking network, that is, when the representative of the central bank comes to speak in the national media , he should not be a full-fledged defender of the banks, he should come alongside the people , next to the government board, next to the parliament and explain give how the banks have acted in the implementation of the law. while now it is the opposite because now all their managers or officials have a relationship with the banking network, now it is a revolving door , when there is a conflict of interest issue, now

our central bank system has become the defender of the banks' performance, while it should be on the other hand, he asked the people to demand the law of the parliament from the banks. now we see that the position is reversed and this is happening, so the issue is clear . banks claim that we don't have the resources, on the other hand, some of the couples who want to take the loan, if they want to get rid of this queue, it would be good for them to buy goods from the bank sources instead of paying in cash. in particular , the first consideration is that it should be optional in any way it should not be mandatory. the second consideration is that if the products are to be presented, they should have the necessary variety , not in such a way that they want to buy and sell a product

. if you want to spend some money , and in fact, education is no longer a loan education, what we see now is the access to buy household appliances or anything at a higher price in installments. mr. pejmanfar , give your opinion about this new idea and give a summary. if you can do this in one minute , i would be grateful to you. i think this idea that mr. hemti said is good, it means that it is a double -edged sword, that is, it is in the interest of the manufacturer, who can finally produce his goods at a faster rate and with the support of resources. a bank can produce and it is in the interest of the consumer, with the same conditions that were mentioned , which i will not repeat, that is, there should be a variety of products, and the prices of the prices should have significant discounts, considering that it is wholesale , people and couples.

they will welcome this. provided that these considerations are met it should take place, that is, even from the same number that they have as marriage corrections, if they want to buy something, the product should have these features and corrections , in fact, it should have a discount , it should have product quality, they can choose , they can do this. this is not the case, we have to solve the dispute, and that is that the central bank should come in, and as mentioned, in fact, as a sovereign state, it should oblige the banks to be accountable to the people's deposits. i warn a monitoring device, that is i really have this interpretation

. in my opinion , the central bank should take care of this issue with some seriousness, and we will definitely treat this as an ongoing case. we hope that we will be able to respond to the people at the right time . thank you very much, mr. pejam , mr. sohabi. it was mentioned that mr. farzin had made a promise regarding that this did not happen last year or this year. this statistic is 91 thousand billion tomans. in your presence, the statistics that i published seem to show that the number is high. anyway , i did not understand what i am stating specifically about the central bank employees' law. do you tell them about their education? yes , yes, they should talk to the personnel department of the central bank to see how it is. i don't have any specific information about it, but about

that plan actually. we are ready to cooperate with the ministry of economy and ministry of health, but at the beginning of the work, it should be clear, for example, what kind of incentives it will have, which means that the incentive should be created somehow, for example, when can we see that this plan may be implemented. now , the friends of the ministry of economy apparently prepared the plan in khamenei's style. now we are probably going to have a meeting with the bank. we are also ready, but it will take time. let's go where we are next year let's not have problems at least, that is, then for this idea that you are apologizing, we need to raise whether this bill will come to the parliament or not. it seems that the parliament needs to go back and forth. body, but in my opinion, it needs it. however , if we come to the conclusion that it is not needed , we will

move forward with the cooperation of the ministry of economy, god willing. thank you very much, mr. sarabi, deputy director of central bank's central bank of atbarat general department, mr. rahakshar, mr. pajam, the form we said goodbye to , to all the good viewers, the special table program that we until this moment of companionship, which will continue until the time when this challenge and problem for the people and...