The details of the implementation of the validation for receiving bank loans/ there is no possibility of manipulation in the reports

According to the Fars news agency, Mehran Moharmian, the vice president of information technology of the Central Bank, said in the program of Radio Ekhtazt’s approach about validation: Validation in the country in the modern way today has a history of 10 years, and there was really a vacuum in this area, because somehow all the financial and Even many non-financial behaviors are measured as a measure to calculate the probability of risk or even used in non-facility discussions. Assuming two people intend to do business with each other or even for a non-financial relationship without prior knowledge, validation reports will be very useful in this area.

Regarding the implementation of the validation, he stated: According to the regulations approved by the Council of Ministers (paragraph 97), the part assigned to the central bank is to prevent the accumulation of non-current claims of banks, and nine systems are planned, four of which are the responsibility of the central bank. Yes, one of them is the validation database.

The Vice President of Information Technology of the Central Bank further stated: Now we are faced with a number of validation companies that calculate the credit level of a person based on the received information. Considering that a validation company was operating in the country for about 10 years, but in terms of the amount of information collected, it did not have the necessary success and the necessary cooperation was not done with it, so the government assigned this task to the central bank.

In this regard, Moharmian added: The Central Bank was obliged to create a validation database, and the Central Bank made it one of the most prioritized projects. The central bank account was used by many organizations to receive information, and many organizations had to do this, such as the Tax Affairs Organization, Faraja, Traffic Police, Stock Exchange Organization, Real Estate Registration Organization, Companies Registry, and companies that issue various bills. , Cited.

He further explained: The discussion of organizing this matter is related to a proper design and implementation and the cooperation of different organizations with each other. What should be considered is to operationalize what we can do in the government and not put the burden on the people, but nevertheless, the people are responsible for a series of tasks. For example, in Switzerland, when a person changes his place of residence, he has one week to inform about this decision, and if he does not do this, there will be many consequences, including in this issue of validation. After notification, all bills will be transferred automatically.

The Vice President of Information Technology of the Central Bank stated: Fortunately, with the work done during this period, the field of obtaining information from many organizations has been provided, and the problem is that almost all organizations provide incomplete information to the Central Bank. The reason is that the information of some of these organizations is not complete and has not been digitized enough. In other words, the maturity level of digitization of that organization is low. Some other organizations may have legal restrictions on providing information.

In this regard, he emphasized: After receiving the information at the central bank, it is provided to the validation company, and that company must determine the credit score of the people, and finally the user expresses satisfaction with the validation report, and this part is a very important point.

Moharramian added: The most important feature of validation is to reduce the collateral and guarantor. We do not have a good ranking in the banking world in granting micro-facilities, and the missing point of the story is exactly this validation. In this regard, some very good steps were taken by the new government, which must be continued to achieve full results, but where we are today is much further than last year, but there is a long way to go.

The Vice President of Information Technology of the Central Bank also explained the following about the Validation Council: The last meeting of the Validation Council was two weeks ago, and Mr. President is very emphatic about this issue, and he basically forms the deputy of the Central Bank of the Council. Good things have happened in this council and the process of providing information to the validation company in banks to use the validation report is mandatory and it has been done. Banks are required to submit a validation report for facilities, and it is not possible to manipulate it, because the facilities are registered in the central bank system.

He further added: Any bank can give or not give facilities to someone who has a high or low credit risk based on the amount of collateral they receive, but the problem is that if a bank only gives facilities to people with high risk, it will deal with it. became.

Mohramian also stated about check validation: the systems in this area have been implemented and even the check color scheme has been operational since two years ago, but the rules and regulations of this section of the check law that refers to validation must be approved by the Money and Credit Council. until it was deemed advisable to proceed more calmly.

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