Outline of current laws that have been identified as a priority and at the beginning of the transformation program of banks should be given priority in review and development:
1- Quick correction of balance sheet reports and preparation of special reports in the style of Marking to market, which audits both bank offices in comparison with each other to determine the value of previous activities of banks in the “market” and the clarity of changes and The anomalies will be used in the form of booklets and in the form of arguments that will be used during reasoning and inference to apply the model of the new policies of the economic revolution and the job description and new banking missions.
2- Supervision of all financial reports by the Committee of Expert Elites and Financial Advisers, which operate under the new missions of the Program and Budget Organization in the 1400 government; The same solutions as in the balance sheet reports that were proposed for state-owned and extra-state companies. In the mission of correcting all reports and balance sheets of banks; In particular, state-owned banks, which are entirely in the state budget and on the other hand have established companies; In the process of amending financial reports and special reports; Oblige to seriously and accurately and clearly identify and distinguish what part of the funds for the establishment of companies is from the government budget and what part is from the working capital of the people; By carefully summarizing the committee of expert consulting elites in the program and budget organization, the same strategies and strategies that were explained to state-owned and extra-state-owned companies should be determined and tasked for the privatization of companies and bank enterprises.
In the review section of all receivables and arrears; Mission with a priority order to recover all arrears, especially from a special group of several thousand people who have taken a large part of working capital and deposits in the bank in the form of loans of several thousand billion tomans; During a scheduled process, banks are required to settle loan amounts and include documented reports in the relevant comprehensive system.
In the new government line and policies of 1400 and the need to provide transparent financial reports by banks in an integrated system under the supervision of the new central bank and the organization بودجه budget program with public access; It is important from the point of view of future monitoring that the main macro-facilities are mainly used to repay previous macro-facilities, which in turn give rise to inflation because primary loans are generally not in the realm of loans and are engaged in long-term projects such as real estate and shopping mall construction. (Whether by the banks’ own firms with bank-specific borrowers) and the long process of non-compliance with bank loan repayments have resulted in other higher-volume facilities being repaid by another bank for the original loan. It has become turbulent and banks and borrowers have only seen turmoil and profits.
For example, insurance companies because of the premiums they give to insurers; To cover their job obligations and expenses, they are required to deposit in the same wrong direction; As well as many other governmental and semi-governmental institutions and bodies, etc .; And banks have become the center of money accumulation and the main player in the capital market as a result of the collapse of the economy.
3- Understanding the cessation of the current policy of accepting gradual progress (with economic intuitive basis) to banks by decisively applying the hammer and transformation progress policy (with scientific basis) in the form of using all the science of banking day with scientific and specialized adaptation based on existing conditions In the form of the Big Push and Leapfrogging program, which is exactly in line with the Supreme Leader’s orders and the leap in production, so that fully armed banks can line up to carry out their own new tasks to advance the economic revolution.
4- Reviewing and adapting the Monetary and Credit Council exactly in line with the policy of the economic revolution and the missions of the new job descriptions of the banks and aligning all the banks with these laws; For example, the average growth rate of money in Iran is 5.5 times, ie the length of each currency unit, banks produce 5.6 times, which also affects the liquidity of the whole country and from there pass their current routes. It goes without saying that in Western countries and the international banking system, on average, in terms of job descriptions of different banks; The proportion of 45% of the banks ‘resources is in the form of shareholders and initial capital, and the remaining 55% is provided from the capital market members’ sources. For banking missions, including financing of capital market businesses at very reasonable and competitive annual interest rates, due to the presence in the international capital market, it is spent in front of very accurate feasibility reports and reliable documents, and direct entry into the capital market is strictly prohibited for banks. Due to the absence of any investment risk, the capital market members and the banks’ ratios are so high that in the risk percentage analysis, in case of failure of the business that received the loan or facility, it is allowed to compensate the entire money market from the bank until cash Gives relevant documents. While in Iran, 13% of the capital is provided by banks and 87% of the public collection is in the form of a dubious lord and the direct presence of banks from the public in their own businesses in the capital market.
And finally, the results of this anomalous process have spread and been organized in society.
5- Strict application of the law in the direction that banks (according to their model, which are all retail banking) if they enter the capital market for any reason, will be severely punished and severely punished by the laws of “capital adequacy ratio” and basically apply Strict preventive laws should be dealt with legally by enforcing the necessary obligations and guarantees of implementation. Banks are merely intermediaries in the money profession, and this is a very wrong and dangerous tactic for the economic revolution that banks are on the path to, which today is professionally regarded as an absolute competitor to the capital market; While banks should refrain from entering the capital market directly into a secure and supportive environment – under the title of providing equity up to 20% of businesses / and by helping the development of a dynamic economy by receiving and channeling foreign capital inflows Business turnover in the form of the current cryptocurrency mechanism or trust system and international banking cooperation with the method of raising money and specialized mutual funds; And by providing 80% of business capital in the form of production loans in accordance with creative business models in the portfolio of the economic revolution; Become a huge support for the new and dynamic capital market of the country with a large volume of entry and growth of all capacities to the international market.
6- Applying the guidelines to strengthen the sixth stage of bank evaluation, ie “market risk sensitivity” in the new job description of banks, because banks have participated in many businesses in the form of crowdfunding from the point of view of public liquidity, and therefore basically The issue of market risk sensitivity has not been an issue and since the issue of banks has not been in the direction of market analysis that has been in the hands of capital operators; Rather, they themselves have been a large part of the market players, and so the result has not been in the direction of the country’s economy flourishing in the right path of the people, but in favor of creating their own profits in businesses and profits from their limited specific borrowers (inflation producers).
7- Applying the corrected profitability laws and general accounting laws: Regarding the profit of banks, the volume of profit should be done only for the bank expenses of their new job description services; And, of course, the central bank also pays the percentage of the commission as income to the banks with a different approach from the current policy of the current central bank approvals, which has been applied unilaterally with a fixed number for all banks to receive the commission; Consider, in such a way that in relation to the capability and level of services and the value of services that each bank offers in its new missions for different businesses and services, and in relation to the costs that are different in different businesses in the form of cost plus That is to say, a constant percentage coefficient in relation to the variable number of banks’ costs in different businesses, the variable part of which, of course, is announced in transparent future financial reports of banks under the supervision of the Central Bank in integrated systems and can be traced. And banks can perform different revised calculations from the beginning of their new missions for different service tariffs with a fixed percentage relative to the variable cost part of each service, and agree with their customers on the variable cost part.
Explain that the banks themselves, apart from special borrowers, have pursued profitability in any way and have done everything to earn their profit along with special borrowers, including the pre-purchase of 85% of the market coins by banks and even in the 80s. They have also entered the construction industry in the UAE, and many abnormal events have taken place and turned this vicious cycle in the capital market, of which they are a large part, into a vote in their favor; And its inflation is completely ruined in favor of the profits of banks and borrowers over the people who have provided about 80% of this working capital, in a way that cuts them off from the capital market, and thus the creativity and dynamism of the market. Capital has also been lost due to the absence of the people. Thus, banks have in fact highlighted the buying and selling of money and its devaluation and inflation, and have moved in the direction of a false job description in favor of their own profitability, not in the direction of unifying the economic interests of the whole country and society.
Also, the need for necessary revisions and necessary changes in the laws of “public accounting”; You are aware that this law was reviewed in the ninth government in 2007 and changes and remarks were applied in it, which finally purposefully opened the hands of the government directly to the banking resources and the chain of banks; For example, below Article 4, there are semi-paragraph notes (which are also included in Annex 3 of the budget bill); Companies created by Mudaraba or Mudaraba by state-owned banks are considered non-governmental … and other comments that result in the entry of money through banks to these companies under the banks and according to the note. Above and non-government of these banking companies; In withdrawing these sums for the entry and seizure of money by the government and by the banks themselves through these companies; There will be no government or legal oversight; Which should be completely and quickly reviewed and new rules and policies replaced.
As a professional and accurate report; The financial committee of this economic portfolio, with great time and accuracy, prepared all the financial reports and balance sheets of seven banks, including; We examined the nation, exports, trade, new economy, Dey, Pasargad and Ayandeh and in a table we compared all the claims, arrears and debts of these banks; In this way, regarding the claims of banks from the government; Governmental persons, institutions and natural and legal persons, etc. The results obtained are very strange in comparison with the initial capital of each of these banks and their capital adequacy ratio; For example, Ayandeh Bank has absorbed about ten percent of the total liquidity of the capital market (the volume is very high) and Ayandeh Bank demands 7300 Tomans for each share; (Which has also built the largest shopping mall in the Middle East in the country)
Eghtesad Novin Bank has overdue receivables of 3400 Tomans per share; Bank Mellat 3000 Tomans per share and … Also in their balance sheet and financial reports, it is not clear at all when the final maturity of these claims is? Schedule of receivables? Storage, overdue rates and their final time? None of them are clear! And in general; The volume of overdue receivables in state-owned banks is much larger than in private banks; For example, receivables from government entities in Bank Mellat have the largest volume; Either the most important receivables and arrears from individuals in Bank Mellat are in Rials, while in the Export Bank they are the most important foreign currency arrears (a large part of which is related to the exports of the Persian Gulf region such as the United Arab Emirates) or, for example; By examining the financial statements and balance sheet of the Middle East Bank separately; We found that the bank paid more than 40 percent of its dividends to its shareholder and its ROE was above 40 percent in all these seals of inflation and capital market stagnation, while the Middle East bank behaved similarly to other banks. Has applied more privately and has more recently been subject to the rules of the new banking system. In addition, the details of these reports are ready to begin the implementation of this portfolio.
8- Applying the law of qualification for appointing managers of all banks, plus the head and deputies of the Central Bank, with the cooperation and consultation of the Elite Committee of the 1400 Government’s program and budget, and in the form of evaluation in the competency portfolio focusing on all themes of the economic revolution. ClIranian Clifton Strength Finder test and qualification خبر Expertise and necessary experience and efficiency.
In the comprehensive implementation of the above process widely; Both the rail route – the route of the banks’ goals and the structure of the locomotive as well as the locomotives undergo a necessary and fundamental change; It is true that a large part of the problems have arisen in the wrong actions of locomotives and the allocation of loans worth thousands of billions of Tomans; But in fact this is a small effect in the face of the consequences that result from the wrong design of the locomotive and its rail path; Therefore, by applying the above, all angles of locomotives, locomotives and tracks will be in line with each other and in an integrated way in the goals of their disciplined missions, standards and new job descriptions and in the path of economic revolution; Both the core team of CEOs and top decision-makers of banks change as locomotives, and the whole structure of the banking system as locomotives and the target path as rails become consistent.
In the following; Some experts believe that “the current wheel of science should not be reinvented” that it should be fully subject to international banking laws and, while privatizing banking and banks; The central bank becomes independent; But with this combination and conditions of central bank independence, following the Western banking system as an extremist ideology is not the right policy at all, and the risk of being surrounded by an independent central bank by banking cartels and creating very serious problems and crises will be; Therefore, with the 1400 government and the detailed changes described above, the Central Bank, with its understanding of the missions and policies of the economic revolution, will remain fully under 100% government control and is required to monitor and capture the value of money by efficient and trusted members of the bank. Will be central and with all-round developments in all other angles; The Central Bank will become a powerful strategic center and support center for determining Iran’s monetary value and supporting the establishment of Iranian cryptocurrencies and creating balance and interaction of cash flow and liquidity in counting all the country’s capacities under the line of business models and foreign financing and investment policies. And will start implementing 1400 government-sponsored policies for direct communication policies with Chinese banks and designing a communication program for letters of credit and financial transactions outside the dollar system; In addition, adequate credit support for establishing new connections between capital flow and liquidity with the Iranian cryptocurrency mechanism and its connection through the Chinese blockchain system with the credible support of the Chinese central government miners based on the world’s largest (growing) physical physical reserves in In addition to creating a model for supporting the reputable miners of the Iranian government with the huge support of resources, reserves, intellectual capacity, manpower and production, as well as sufficient foreign exchange reserve liquidity; Will be.