Processing Characteristics (SAP Library - Loans Management (FS-CML))

Processing Characteristics

Use

This report determines and stores the values of the processing characteristics for certain loans. Processing characteristics are indicators that provide information about certain properties of a loan contract. This includes information about the disbursement status or the status of capital amounts, future flows to be posted, or business operations for the loan. You receive the information by way of the values for the processing characteristics, for example the processing characteristic Disbursement Status can have the values Not disbursed or Partially disbursed, among others. The value of a processing characteristic for a contract at any given time is unique. The processing characteristics provide you with a quick overview of the status of the loan.

If you want to use the processing characteristics, you need to install this report for all loans when you upgrade to Release Banking 4.63/CFM 2.0.

You also need to use the report if:

Loans have been transferred to the position via the external data transfer,
You have used your own program that could have an effect on the values for the processing characteristics of a loan.

After you have initialized the processing characteristics you also have the option of displaying the current processing characteristics for the loan from within the loan itself.

Integration

All of the standard applications that you use to change the contract or flow data of a loan update the processing characteristics. (For example, the processing characteristic Disbursement Status can be changed using the function Disbursement.) This update cannot be guaranteed if the change has been made using your own program.

Prerequisites

You must carry out the following settings in the order specified:

You need to activate the determination of processing characteristics in the IMG activity Basic Settings ® Installation Parameters.
In the application, you have to update the planned records for the whole position using the function Update Planned Records.
Then execute the initialization report Processing Characteristics.

Features

Selection

In addition to the company code and the contract number you can use other selection criteria in the area General Selections to select the loans for evaluation, such as product type, status, or contract currency.

In the area General Selections for the Processing Characteristics you can display loans by selecting the values which match the values of the processing characteristics for the loans you want to display.

Example

If you enter the value 03 Fully disbursed in the Disbursement Status field and the value 03 No remaining capital and no effective capital exists, then the system displays all of the loans that are fully disbursed and repaid.

If you do not enter any values, then all of the loans are displayed with their characteristics.
The following processing characteristics are supported:

Disbursement Status

Informs the user of the disbursement obligation and the value-dated capital for the contract. The value for this processing characteristic is determined for a contract according to the capital amounts based on the posted flows and the flows protected by a rollover. You can choose the following values:

01: Not disbursed

Disbursement obligation > 0 and Value-dated capital = 0

02: Partially disbursed

Disbursement obligation > 0 and Value-dated capital > 0

03: Fully disbursed

Disbursement obligation = 0 and Value-dated capital > 0

04: Fully waived

Disbursement obligation = 0 and Value-dated capital = 0

Status of Capital Amounts

Informs the user about the remaining capital and effective capital in the contract. The value for this processing characteristic is determined for a contract according to the capital amounts based on the posted flows. You can choose the following values:

01: Remaining capital exists

Remaining capital > 0

02: No remaining capital exists

Remaining capital = 0 and effective capital > 0

03: No remaining capital and no effective capital exists

Remaining = effective capital = 0

Status of Planned Records

Informs the user of the cash flow and flows for the contract that still have to be posted. The value for this processing characteristic is determined for a contract on the basis of non-posted flows in the cash flow. The system only determines the processing characteristic in the expiry phase of a loan.

Note

The expiry phase of a loan describes the last period in the life cycle of a loan. The period begins when the loan is fully disbursed and repaid. A loan is fully disbursed and repaid when there is no disbursement obligation and no more remaining capital for the loan, based on the posted flows.

You can choose the following values:

01: Planned records exists

The cash flow contains non-posted flows.

02: No planned records exists

All of the flows in the cash flow are posted.

Status of Customer Receivables

Informs the user of the receivables listed for the customer and the contract. The value for this processing characteristic is determined for a contract according to the open items for the customer based on the posted flows. The system only determines the processing characteristic in the expiry phase of a loan. You can choose the following values:

01: Not relevant

The product type is not posted to customer accounts.

02: Open receivables exist

Open receivables exist for the customer and the contract.

03: All receivables cleared

No open receivables exist for the customer and the contract.

Note

For loans of a product type that is not posted to customer accounts, the process characteristic always has the value 01 Not relevant.

Status of Customer Payables

Informs the user of the payables listed for the customer and the contract. This characteristic covers advance and overpayments, refunds and payments to third parties. The value for this processing characteristic is determined for a contract according to the open items for the customer based on the posted flows. The system only determines the processing characteristic in the expiry phase of a loan. You can choose the following values:

01: Not relevant

The product type is not posted to customer accounts.

02: Open payables exist

Open payables exist for the customer and the contract.

03: All payables cleared

No open payables exist for the customer and the contract.

Note

For loans of a product type that is not posted to customer accounts, the process characteristic always has the value 01 Not relevant.

In the Processing section you can choose between the following processing options:

Display Processing Characteristics

If you flag the field the system displays the processing characteristics for the loan selected.

Flag the field Hierarchical List. The system outputs the processing characteristics per loan in a hierarchical sequential list. If you leave the field empty, the system outputs the processing characteristics in a simple list.

Loans with Indefinite Characteristics

If you flag this field the system updates the indefinite processing characteristics for the loan selected. An indefinite characteristic is a characteristic whose value cannot be determined directly when a loan is changed or when postings are made to a loan. This is because the information needed to determine the value for the characteristic is only available after the change has been posted. Therefore you need to update the processing characteristics at regular intervals.

Note

In order to execute this process you need authorization for the displaying and maintenance of table contents for the activity 02: Add, Change or Delete Table Entries.

If you select the field Update Indefinite Characteristics, the system updates all of the indefinite processing characteristics that are not current. Alternatively the system outputs a list of all of the loans concerned and you can update the loans individually.

Loans without Characteristics

If you select the field you can initialize the processing characteristics for the loans selected. You must carry out this process if you have activated the processing characteristics in the Customizing activity Installation Parameters or if new loans have been imported into the system via the external data transfer. The processing only considers loans that do not have any processing characteristics.

Note

In order to execute this process you need authorization for the displaying and maintenance of table contents for the activity 02: Add, Change or Delete Table Entries.

If you select the Determine Characteristics for the Loan field, the system updates the processing characteristics directly. If you leave the field empty, the system outputs a list of all of the loans concerned and you can process the loans individually.

Check the Characteristics for the Loan

By selecting this field, you can check and if necessary update the processing characteristics for the loan selected. The report also determines the current values of the processing characteristics for the loan selected and compares the values with the corresponding values in the database. Any possible differences are displayed.

Note

In order to execute this process you need authorization for the displaying and maintenance of table contents for the activity 02: Add, Change or Delete Table Entries.

Select the field Update Characteristics with Differences. The system updates all of the loans with differences directly. If you leave the field empty, the system outputs a list of all of the loans concerned and you can update the loans individually.
If you select the field Also Display Loans Without Differences, the system also displays loans whose processing characteristic values have not appeared as different to those in the database. If you leave the field empty, the system only displays the loans with differences.
If you select the field Also Display Characteristics Without Differences, then the output list displays all of the processing characteristics for the loan. If you leave the field empty, the system only outputs the loan processing characteristics that show differences.

Output

For each processing option, the system displays one of the lists using the SAP List Viewer according to the selection criteria. For each loan, the system displays the company code, contract number, product type, contract currency, business partner and the account assignment reference.

Display Processing Characteristics

For each loan, the system displays each processing characteristic with the corresponding value as well as the date on which the processing characteristic was last changed, and the activity in which this change was made.

Select the loan and choose Details. Since the system stores both the current and the previous status of a processing characteristic, the following changes to a processing characteristic are displayed.

the current and previous value
the last and previous change date
the time of the last and previous change
the transaction in which the last and previous change was made
the user who made the last and previous change

Loans with Indefinite Characteristics

The system displays the processing characteristics for each loan with the corresponding value and the value according to the database. A traffic light icon also displays the status of the loan and the processing characteristic.

Yellow: the loan has indefinite processing characteristics. You can update the processing characteristics for your selected loan using the Update button. You can only update all of the loans together, not individually. After the update the traffic light icon changes to green.

Green: the processing characteristics for the selected loan have been updated.

If you have selected the field Update Indefinite Characteristics, the system updates all of the indefinite processing characteristics that are not current. The system generates a list.

Loans without Characteristics

The selected loan is displayed without processing characteristics. These are displayed in the form of traffic light icons.

Red: No processing characteristics exist for the loan. You can initialize the processing characteristics for your selected loan using the Update button. You can only initialize all of the loans together, not individually. After the initialization the traffic light icon changes to green.

Green: the processing characteristics for the selected loan have been initialized. The system displays the processing characteristics with the appropriate value per loan.

If you have selected the Determine Characteristics for the Loan field, the system initializes the processing characteristics directly. The system generates a list.

Check the Characteristics for the Loan

The system displays the processing characteristics for each loan with the current value and if applicable, the different value according to the database. Differences can arise if the programs for updating the characteristics are not run correctly. A traffic light icon displays the status of the loan and the processing characteristic.

Red: the value for the processing characteristic is incorrect, that is incorrect in the database. You can update the processing characteristics for your selected loan using the Update button. Before doing this you need to analyze the reason for the different value. You can only update all of the loans together, not individually. After the update the traffic light icon changes to green.

Yellow: the value for the characteristic is indefinite. You can update the processing characteristics for your selected loan using the Update button. You can only update all of the loans together, not individually. After the update the traffic light icon changes to green.

Green: the processing characteristics for the selected loan are correct or have been updated.

If you have selected the field Update Characteristics with Differences, the system updates all of the loans with differences directly. The system generates a list.
If you have selected the field Also Display Loans Without Differences, the system also displays loans whose processing characteristic values have not appeared as different to those in the database. The processing characteristics for this loan are only displayed if you have also selected the field Also Display Characteristics Without Differences. However, the processing characteristics with differences are always displayed.
If you have selected the field Also Display Characteristics Without Differences, then the output list displays all of the processing characteristics for the loan.

Activities

Choose Information System ® Reports ® Position/Position Trend ® Processing Characteristics.

Enter the selection parameters in the Report for Display and Maintenance of Processing Characteristics screen. Choose Execute. The list of processing characteristics is displayed, if necessary you can process the list here. You can also print the list.