greetings and respect to you, noble people of iran, and condolences to ayam hosseini . i wish for the acceptance of the condolences. help us to provide a one-rank facility for a person to a legal entity based on the credit rating of the economic and financial activities and the personal bank for the bank to be respected in such a way that the credit risk of this person in return for granting facilitation and reimbursement can help him can you clarify and introduce us, from an economic point of view, whether education, when it is paid for, has the power to repay the facilities or not. this chapter , the main page of the accreditation of the central bank does this clearly . there are companies with the central bank that do this, what is approved. the credit database is established in the central bank, it is collected from the information inside the central bank, but the first credit rating company of iran was established for this purpose. what should these algorithms be, what should the model be, and we should give this information to the processor from within this inform