What is the reason for banks’ delay in paying loans without guarantors?

to report Iran is an economistAmong the reasons for the delay and refusal of banks to pay loans without guarantor is the lack of establishing a loan payment system based on validation. It is interesting that the validation system, which has not yet been implemented in Iran, is 60 years old in the world, and it has been more than 3 years since the regulation related to it was promulgated; But the obstacles to the establishment of the credit system measurement What is happening in the country and which of the government and governing bodies are not fulfilling their legal duties in this matter?

In this connection, Mustafa Habibullah, the economic expert of the Research Center of the Islamic Council, in an interview with Iran is an economiststated: Currently, validation reports in Iran operate under an institution called Iran Credit Rating Company, which is managed under the supervision of the Central Bank.

He stated that the information database of this company is currently flawed, and said: Unfortunately, the relevant institutions and bodies that have the credit information of the people have not yet been connected to this company, and for this reason, the validation reports in Iran face many deficiencies. Is.

Acknowledgment of the central bank to the shortcomings of the validation system in the country

The expert of the Research Center of the Islamic Council, pointing out that the validation plan under the supervision of the Central Bank is being implemented, said: social worker The government of the Central Bank has caused the establishment of the validation system in the country to slowly move towards its goals.

He stated that the officials of the central bank also admit in their working meetings that the credit database of the central bank has significant deficiencies, and he noted that: in the decisions of the upper authorities and the macro policies of the Islamic Republic, a lot of emphasis is placed on the implementation of validation in the country; But unfortunately, in practice, there is no strong will to implement this plan.

Parliament’s punishment for validation violators

The expert of the Majlis Research Center pointed out that a plan on accreditation is on the agenda in the parliament and will soon be discussed in the public hall of the parliament, and said: In this plan, the accreditation space is supposed to be removed from the monopoly of the government institution and given to the private sector. to be given the opportunity to establish a validation company.

Habibullah pointed out that in the new plan of the parliament, legal punishments will be considered for institutions that do not cooperate in the field of validation, and said: The parliament should impose fines against institutions that refuse to provide the credit information of individuals to the central bank. impose a heavy legal burden.

Some organizations do not cooperate with the central bank

Habibullah further stated that the central bank has repeatedly said that the credit reports are not yet reliable and accurate and that the completion of the credit database of the central bank requires time, and said: The central bank is responsible for the coordination between the institutions to complete the credit database. And currently, some organizations are cooperating in this field, while others are not cooperating.

Stating that some institutions, such as the Tax Administration and the Judiciary, are obliged to send information to the Central Bank, he said: But first, it should be determined whether these organizations have useful information about the people in order to deliver it to the Central Bank. give In other words, is the data available to these devices categorized, healthy and efficient?

He further said: For example, due to tax evasion and the lack of detailed tax files in the organization tax affairsExtracting this information and transferring it to the central bank will definitely be problematic.

The offending organizations do not know what benefits the validation brings to them

This validation expert stated that it has sometimes been suggested in the media that validation replaces collateral and guarantor and said: But in nothing Where in the world, all facilities are not paid only by validation, and in general, the issue of validation is acceptable for microloans.

Stating that the banks themselves are slowly moving towards paying loans through validation in order to get rid of the costs and difficulties of valuing the collaterals, Habibullah said: All the bodies that have to provide information to the central bank will somehow benefit from the validation themselves.

He went on to explain: For example, if the police force or the Tax Administration give information about traffic violations and tax violations to the Central Bank, naturally, this information will affect the credit file of individuals, and this will cause People should be careful as much as possible so as not to commit a violation in this field.

The importance of the information of the tax authority for validation

This validation expert stated that different countries have different experiences regarding the validation of people, and a number of countries, like our own country, discuss validation through a government institution, and said: Now, sometimes banks provide facilities and guarantees according to the credit status of each person. will be

The expert of the Majlis Research Center stated that the more the amount of partial data of economic actors increases, the better it is possible to identify their credit risk. The issue is a person’s tax evasion record.

The central bank is in charge of the accreditation management in the country

This validation expert stated that in order to guide large-scale validation activities in the country, a council called the Credit Assessment Council has been established in the Central Bank and said: In fact, the Central Bank is in a way the executive arm of the Credit Assessment Council, and then the necessary decisions are made in the Credit Assessment Council. Its approvals are implemented by the Central Bank.

In the end, he stated that the credit evaluation council is going to determine the quantity and quality of the access of the validation companies to people’s information, and he stated: by implementing the validation plan, every Iranian can know about his credit status with a unique code like his national code. and use it to receive facilities.