khostavi's explanation was correct. i will say one sentence to start, and that is that you have a business or a company, which means investment. we are looking for an increase in production and the prosperity of production is the basis of the economy of all countries, including in our country, this cannot be achieved except by investing in this way. it is also possible to give loans and loans. the problem is that the bank is not created for business investment . it is not its duty to do this. whenever we came to this issue and found that a set of organizations was created to do something that was not right for that task, it was not working . in the place where we are now, i am speaking from the point of view of the logic of division of duties. there was a time, you remember well my people remember that the companies that came, started to join, started to give loans , became non-organized financial institutions, and now i will say corrupt corruption , created huge problems because they were not created for lending to edu