Banks do not accept the words of the head of the central bank, nor the orders of the minister of economy
It is worth considering that the suspension of lending in banks is a recurring issue in the past years. With the difference that in the past this procedure took place in the last month of the year, i.e. March, in such a way that every year from the first decade of March onwards, banks stop the lending process or do it with difficulty and slowly.
On the other hand, since last year, the Minister of Economy had promised to pay loans without guarantor in the country’s banks and stressed: the applicant must first be validated and in the later stages, according to the credit rating in the banking network, be eligible to receive loans without guarantor; But this good promise of the Minister of Economy in practice faced many obstacles in the branches for the people, in such a way that the applicants of this type of facility pointed to the bank’s refusal to pay their chests for loans without guarantors and stated that the banks have announced ” In order to receive this loan, the applicants must have a deposit of 20 to 30 million Tomans in the bank in the last few months, so that they can receive a loan without a guarantor. An issue that was actually a big obstacle for people who only requested small loans of less than 50 million tomans in order to solve some of their economic problems.
Now, after about eight months of the year, Tabnak’s audience has contacted us and stated that many state banks, especially in response to the request for micro loans, say that the Central Bank has taken permission to pay the loan from us and according to the circular from the bank central, we do not have the possibility and permission to pay the facility. These statements of the bankers are in spite of the fact that many complaints have been raised by the people and the central bank has reacted.
In an announcement, referring to the temporary restrictions on the granting of large facilities in some banks, this bank announced: Although the increase in overdrafts of some banks is against the anti-inflation policies of the Central Bank of preventing the creation of money in the banking network, the Central Bank emphasizes that the measures Discipline in this direction should in no way lead to disruption of banks’ services to customers of the banking network, and therefore, all banks are obliged to carry out the process of granting microfacilities to compatriots within the framework of laws and regulations.
It is obvious that stopping the granting of the said facility under the pretext of overdraft is a violation and subject to the Central Bank’s investigation. In cases where the overdraft of some banks exceeds a certain limit, the central bank, in order to regulate the operation of the bank, temporarily imposes restrictions on granting “major facilities” to the said bank, in order for the bank to manage resources and costs and reduce the amount of overdraft. withdrawal, act as one of the most important reasons for the growth of the monetary base. It is emphasized that the applied restrictions do not include micro-facilities in any way, and after adjusting the overdraft amount by the bank, the aforementioned restrictions will be removed in the case of macro-facilities.
Therefore, as the Central Bank emphasized, all banks are obliged to grant micro-facilities to citizens within the framework of laws and regulations, but despite this, as mentioned, the news and calls from Tabanak audiences indicate that the door of some We still don’t have a loan from the banks. For example, one of the banks that many of Tabanak’s audience complain about is Maskan Bank. A bank that has recently been accompanied by management changes and the departure of Shayan from this bank, and now openly tells the applicant to receive a loan that the central bank’s circular prevents the payment of facilities to the people, while further investigations show that during the time of Mahmoud Shayan’s CEO at Bank Maskan The facility payment process was acceptable compared to some banks, but now in less than two months after the change of CEO by the Minister of Economy, the management of Maskan Bank has turned 180 degrees and has stopped the facility payment cycle citing a circular from the Central Bank. And he has welcomed the last month of the year much earlier than usual!
Investigations show that these banks continue to refer to the central bank’s announcement in July. Meanwhile, on August 28, the Central Bank clearly stated, “The process of granting facilities to compatriots is going on in all banks in accordance with the rules.”
Radiant