In the budget disbursement report in Note 16 Budget for the year 1998 To examine the performance of the central bank and banks in the field of lending Good loan facilities Banks are paid based on the budget note of that year.
According to the table provided, banks in 1998 were equivalent to 26 thousand 334 billion and 274 million tomans وم قرضالحسنه contract They had paid while the Central Bank had set a quota of 40,454 billion tomans for the banks. In fact, 65% of the quota set by the central bank was paid to banks in 1998.
The text of the budget deduction is as follows:
Budget Paragraph A Note 16 – In order to support the marriage of young people, the Central Bank of the Islamic Republic of Iran is obliged to provide loans from the savings and current Gharz al-Hasna banking system to Gharz al-Hasna facilities Have not received, pay with first priority. Marriage loan facility for each couple in 1398 is three hundred million (300,000,000) Rials with a five-year repayment period by obtaining a valid guarantor and promissory note. The central bank can accept subsidies to individuals as collateral in this regard. The Central Bank of the Islamic Republic of Iran is obliged to submit a report on the performance of this section to the Cultural Commission of the Islamic Consultative Assembly once every six months.
Deduction of paragraph A- Deduction of paragraph (a) According to the Law on Interest-Free Banking Operations approved in 1983, the loan resources of banks and credit institutions are in the form of “Gharz-ul-Hasna savings account” and “Gharz-ul-Hasna current account” and no other type of account is called “current savings”. There is no “Gharz al-Hasna deposit” and other accounts of banks and credit institutions are in the form of short-term and long-term investment deposits.
The Central Bank of the Islamic Republic of Iran in order to fulfill the obligation of banks to provide facilities under this paragraph based on statistics obtained from the National Registry Information Database and review the trend of the number of marriages in previous years, the estimated number of spouses in one year plus the number of applicants They have predicted the absorption of Qarz al-Hasna resources of banks in 1398. .
The Central Bank of the Islamic Republic of Iran, in a letter dated 01/06/2017, quota of each of the banks and credit institutions of the country based on the growth rate of liquidity, the amount of change in the balance of savings and current Gharzol-Hasna accounts And determined and communicated as follows:
The discrepancy between the number of “applicants” and “payment” due to factors such as non-coverage of documents to receive full facilities or non-coverage of salary slips to receive the ceiling of the facility and also the inability of the customer to repay the facility (especially the share of veteran facilities The couple is equivalent to one billion and two hundred million (it was 1,200,000,000 Rials). Indicates non-compliance with the provisions of this paragraph Is.
Despite the initial notification from the Central Bank of the Islamic Republic of Iran to the Omid Dey and Sarmayeh Entrepreneurship Fund on 1/6/2009, but due to the notification quotas to the banks based on the growth rate of liquidity, the change in the balance of Gharz al-Hasna savings deposits and current deposits (repayment installments) And the forecast of attracting the loan resources of the banks in the desired year is calculated and determined. The mentioned bank has not considered a quota for them.
Due to the merger of Hekmat Iranian Banks, Ansar Ghavamin and Kowsar Credit Institution with Sepah Bank, despite the initial notification by the Central Bank of the Islamic Republic of Iran on 01/06/2017, no separate quota has been set for them.