Obligation facilities should be commensurate with the banks’ resources
Kourosh Parvizian, CEO of Parsian Bank, regarding the increase in the amount of marriage loans imposed on banks by the Islamic Consultative Assembly in the 1401 budget, said: Obligation facilities should be at a minimum; Because mandatory facilities generally reduce the efficiency of the banking network and people’s resources.
He said that the banks have the utmost cooperation and support in the field of marriage loans or small businesses and support organizations, adding: “Our effort in the bank is to implement all the approvals that are announced; However, our request to the legislator and the supervisory authority is that the obligatory facilities be established in proportion to the resources provided to the banks, so that the dear people do not become lazy and do not form a line and cause dissatisfaction.
Define new documents in the banking network
The chairman of the Supreme Council of the Association of Private Banks and Credit Institutions said: “Micro-facilities are mainly to meet the essential needs of people, including small and family businesses, and we must use methods to provide facilities that people have access to with the least rigor.”
He continued: “Accordingly, the financial inclusion plan pursued by the Central Bank and the Banking Department of the Ministry of Economy is to give people better access to micro-facilities.”
Emphasizing that banks are also very interested in this field, Parvizian stated: “Usually, the lowest deferred demand is related to these small businesses and Qarz al-Hasna and family businesses, and the banking network also has good measures on its agenda so that they can base accreditation on a different basis.” Grant micro-facilities.
The chairman of the Supreme Council of the Association of Private Banks and Credit Institutions said: “The argument is that different organizations can provide certificates of salary deduction and a few small actions to banks, and banks can accept these documents to provide micro-facilities to people in the field of business.” And provide small and medium-sized businesses, Qarzah al-Hasna, and family businesses.
Referring to the credit systems that are evolving, he said: “The basis of these systems is that everyone can have a credit rating and based on that credit rating can benefit from the facilities that are necessary.”
Parvizian continued: “On the other hand, people have different assets; Assets that need to be used as collateral over a period of time. The important thing is to be able to use these assets as collateral in the banking network.
The Chairman of the Supreme Council of the Association of Private Banks and Credit Institutions emphasized: In this regard, there is a need for coordination and coherence between the country’s supervisory bodies, especially the Central Bank, and banks should be allowed to include those items in the list of reliable documents. Accept and other legal authorities accept these documents or the registration organization can act accordingly.
“Such issues make the relationship between the people and the banking network better and more appropriate,” he said. In addition, the goal of all managers of the banking network and the meetings that are held monthly in the Central Bank, is to better serve the people in the areas of credit and services.
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