The granting of facilities to the employees of private banks is done with the opinion of the board of directors!
According to Iran EconomistKorosh Parvizian, the head of the Supreme Council of the Association of Banks and Private Credit Institutions, in last night’s monitoring program of the Yak Sima network, stated in relation to the need to improve the facilitation process by the banking network: The president, his first deputy and the head of the Central Bank, regarding micro loans And the issue of fair and easy access for all people emphasized the facilities and transparency of payments. According to the meetings that took place, the loan below 300 million tomans is considered a micro-loan, and it is emphasized that this facility is system-oriented, the possibility of access and simplification should be provided, and minimum guarantees and documents are defined for obtaining them, and those that the employee Organizations are also able to receive benefits with a letter of deduction from salaries.
Explaining the rules for receiving facilities by bank employees, he said: There are well-founded and legal regulations in this regard. The latest existing regulation is related to the legal resolution of the parliament in 1401, which actually grants loans to bank employees based on the approval of the selected working group mentioned in the law, including the vice president, the head of the employment affairs organization, the vice president and the head of the program and budget organization. Knows.
The head of the Supreme Council of the Association of Private Banks in response to the question that “this parliament law was related to state banks. What was the basis for the operation of private banks?” He stated: In this law, a joint letter was issued on 06/14/1401, in which it was mentioned that this law is related to the entire banking network, but until now, this regulation was not used in private banks. Until the dissolution of the High Council of Banks, the joint regulation that was set by this council governed private banks and was used, but after the dissolution of this council, the authority was given to the banks’ board of directors. Of course, in the budget law of 1402, a guideline has been prepared to include all banks.
Parvizian, while pointing out that the approval of the board of directors of banks was the basis for granting facilities in private banks, emphasized: this delegation of authority was based on the approval of the Money and Credit Council. The banking network is one of the most regular pillars of the country.
He stated: In 1401, the balance of granted facilities amounted to 5,500 hemats. In the report given by the head of the central bank to the president, employee loans included less than two percent of this amount, while in the same year, micro-facilities amounted to 1,050 billion tomans, marriage and childbearing loan facilities were 580 hemats, and murabahah facilities were 150 hemats. Is. Therefore, when the loan balance of employees of the banking network is compared with the total facilities of one year, people’s minds are worried.
Another point is related to the source of payment for this facility. Where did the sources of facilities for employees come from? Was it one of the sources of loan from the banks?
This official of private banks admitted regarding the resources based on which the banks provided facilities to their employees: the resources for providing facilities to the employees are from the proprietary resources of the banks; It means from their own funds and from the balances in the bank account. Therefore, it is not one of the sources of Qarz al-Hosna, because several years ago, the accounts of Qarz al-Hosna were separated from these proprietary accounts, and the Central Bank has the statistics of Qarz al-Hosna and the banks’ accountability to these accounts. Therefore, the source of employee facilities has been through the attraction of proprietary resources.
In response to the question of what is the difference between proprietary resources and banks’ capital, which is negative according to statistics, and whether banks can provide facilities from negative capital, Parvizian said: It is another issue that is different from capital adequacy and its related ratios, which is a specialized discussion. Is.
He added: The monetary and banking law of the country is a single law, but in the reforms that occur during periodic laws such as the budget law, problems arise for the entire banking network. Our request is to include such cases in the country’s banking law and allow long-term planning on these issues.