My Persian Make it easy for people to access microloans like bank employees

According to Iran Economist, considering that the slogan of justice is one of the basic concepts in the Islamic Revolution, one of the examples of justice is people’s easy access to micro-banking facilities to meet the essential needs of their lives.

Some readers of Iran Economist registered a campaign with the title “Follow up of banks’ facilities to their employees“became In this survey, they wrote: Considering the chaotic situation of the banks and the undeniable effect of their behavior on the current economic situation of the country, and considering the election promises of the president, first of all, expect from the president and then from the central bank and the parliament, especially the chairman of the parliament. We are starting to change the track in the banking system by following up and punishing the possible violators of this report, and show their will to solve the important issue of irregular payments to bank employees and free the country from this chronic problem once and for all.” They followed up on this issue from the relevant authorities.

In this context, Koresh Parvizian, the head of the Supreme Council of the Association of Banks and Private Credit Institutions, said: the balance of the facilities granted by the banking network in 1401 amounted to 5500 thousand billion Tomans, while the total loans paid to bank employees, according to the report of the Central Bank in the Samat system, is less than 2 The percentage of this figure was

He added: The loans paid by banks to their employees should be system-oriented and electronic so that everyone can access them, and with a minimum guarantee for these loans, people have easy access to them so that they can receive the loans they need with the rule of deduction from their salaries.

The Chairman of the Supreme Council of the Association of Banks and Private Credit Institutions stated on how to use the facilities of public and private bank employees: There are some well-reasoned and legal regulations, and the latest instruction in this field is related to the law of the Islamic Parliament in 1401, which grants loans to Bank employees are assigned tasks through a working group selected by law, including the vice president and the head of the administrative and employment organization of the country, the head of the program and budget organization, and this rule is issued according to the budget law approved on September 14, 1401, signed by the heads of the two organizations, Dr. Latifi and Dr. Mirkazmi. And it was communicated to the state banks.

Parvizian said about private banks: In private banks, there is already a common rule and regulation that has been used for years, and after the dissolution of the Supreme Council of Banks, this permission was given to the board of directors of the banks, which operates within the framework of the approval of the Money and Credit Council. They do

He added: In the budget law of 1402, there are instructions that all banks will be included in this regulation, but in private banks, for the time being, within the framework of the previous rules, the law of trade and the powers of bank assemblies and the approval of the board of directors, and based on the rules of the Supreme Council of Money and Credit, facilities are provided to private employees. is done

Mehdi Taghiani, the spokesperson of the Economic Commission of the Parliament, emphasized that the process of receiving the loan is more important than paying the loan.

Regarding the percentage of requests for microloans that are submitted to representatives, Taghiani said: 90% of the requests that are submitted to the representative office are for employment or bank facilities for business production and development, and the majority of microloans. people to meet their daily needs.

According to him, next to employment, the main issue is facilities. Because financing in our country and meeting people’s needs is done through the banking network, and our economy is bank-oriented. But when we check the statistics of bank facility payments, most of these facilities are not distributed with fair logic.

Taighani said: Parliament’s effort is to create transparency in banking facilities, and the banks succeeded in announcing their large facilities, especially the overdue facilities, and the Central Bank also has the duty of supervision to announce large debtors.

He added: Parliament’s view is on the transparency of banking facilities for people who have easier access to facilities, and in this regard, we must also carefully monitor bank employees. Of course, looking at the facilities for the people should not be strict, but fair and transparent access should be made for the people and bank employees.

According to the spokesman of the economic committee of the parliament, not only is it more difficult for people to access bank facilities, but the next difficulty is to provide bank guarantees, while there are easier methods such as validation everywhere in the world.

Taighani also pointed to Central Bank’s Samat system and stated: Out of the 5.5 million tomans of last year’s facilities paid by the entire banking network, 20% is micro-facilities, which means that slightly more than one thousand billion tomans is public micro-facilities and 80% Those facilities are paid with numbers above 300 million Tomans, and the main point of the discussion is that 80% of the banks’ facilities are large and only 20% are small loans.

He added that the average benefit of the facility for bank employees is at least 10% according to last year’s instructions, and the Article 90 Commission follows up on this matter and monitors it through the Parliament and the Economy Commission.

Taghiani continued: According to Central Bank’s Samat system, there are 211 thousand working national codes for bank employees and 157 thousand retirees for retirees, which is a significant number that should be checked in the Samat system.

The spokesperson of the Economic Commission of the Majlis said: The principal of the loan that the banks paid to their employees last year, only the balance was announced. But the legislator’s view is that the justice of access is achieved through the transparency of information and regularization of facilities.

Kurosh Parvizian, head of the Supreme Council of the Banks and Credit Institutions Association, also said that the issue of micro-facilities was emphasized by the order of the president, the first deputy and the head of the central bank in the joint meeting of the banks.

According to Parvizian, in that meeting, it was emphasized that loans up to 300 million Tomans should be paid in a system-oriented and electronic way, so that access and simplification are possible, and guarantees and collaterals should be kept to a minimum, and those that are in the form of a group or organization with a paper Receive loan deductions from salary.

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