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 is unique at all times. Processing characteristics provide you with a quick overview of the status of the loan.

You have to initialize the processing characteristics once when you upgrade from a release below Enterprise 2.0 to the current release.

You also need to use the report if:

Loans have been transferred to or changed in the position by means of the external data transfer. You have to initialize the processing characteristics for the new or changed loans by updating the planned records, or update the changed loan using the Processing Characteristics report.

You have used your own programs, which can affect the values for the processing characteristics of a loan. Note that the processing characteristics are only updated by SAP standard transactions. If you are using in-house development or programs that are not from SAP, you need to check whether these programs can affect the characteristics. If this is the case, you need to enhance the programs concerned so that they can determine the processing characteristics. Alternatively, after executing the program you can use the Processing Characteristics report to check the processing characteristics and update them if differences are found.

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 contract 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

If you upgrade from a release lower than Enterprise 2.0, you have to initialize the processing characteristics before going live. In the application, you have to update the planned records for the whole position using the function Update Planned Records . You also need to initialize the processing characteristics if you had already activated them in your previous release.

After the planned record update, you have to use the Processing Characteristics report to check for loans that still do not have processing characteristics. If this is the case, you can determine the missing processing characteristics directly using the report.

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.

This graphic is explained in the accompanying text.

If you enter the value 3: Fully Disbursed in the Disbursement Status field and the value 3: No Remaining Capital and No Effective Capital Exists in the Status of Capital Amounts field, the system displays all 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

The Disbursement Status processing characteristic provides the user with information on 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:

1: Not disbursed

Disbursement obligation > 0 and value-dated capital = 0

2: Partially disbursed

Disbursement obligation > 0 and value-dated capital > 0

3: Fully disbursed

Disbursement obligation = 0 and value-dated capital > 0

4: Withdrawn

Disbursement obligation = 0 and value-dated capital = 0

5: Value-dating planned

The loan has not yet been disbursed, but a planned value-dating exists (disbursement or capital reposting).

Status of Capital Amounts

The Status of Capital Amounts processing characteristic provides the user with information 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:

1: Remaining capital exists

Remaining capital > 0

2: No remaining capital exists

Remaining capital = 0 and effective capital > 0

3: No remaining capital and no effective capital exists

Remaining = effective capital = 0

Status of Planned Records

The Status of Planned Records processing characteristic provides the user with information on the cash flow, and flows for the contract that still require posting. 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.

This graphic is explained in the accompanying text.

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:

1: Planned records exist

The cash flow contains non-posted flows.

2: No planned records exist

All of the flows in the cash flow are posted.

Status of Customer Receivables

The Status of Customer Receivables processing characteristic provides the user with information on the receivables listed for the customer and the contract. The value for this processing characteristic for a contract is determined on the basis of open items for the customer in the contract. The system only determines the processing characteristic in the expiry phase of a loan. You can choose the following values:

1: Not relevant

The product type is not posted to customer accounts.

2: Open receivables exist

Open receivables exist for the customer and the contract.

3: All receivables cleared

No open receivables exist for the customer and the contract.

This graphic is explained in the accompanying text.

For loans belonging to a product type that is not posted to customer accounts, the processing characteristic always has the value 1: Not relevant.

Status of Customer Payables

The Status of Customer Payables processing characteristic provides the user with information on 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 on the basis of the open items for the customer in the contract. The system only determines the processing characteristic in the expiry phase of a loan. You can choose the following values:

1: Not relevant

The product type is not posted to customer accounts.

2: Open payables exist

Open payables exist for the customer and the contract.

3: All payables cleared

No open payables exist for the customer and the contract.

This graphic is explained in the accompanying text.

For loans belonging to a product type that is not posted to customer accounts, the processing characteristic always has the value 1: 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 selected loans.

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 selected loans. 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 processing characteristic is only available after the change has been posted. You therefore need to update the processing characteristics at regular intervals.

This graphic is explained in the accompanying text.

In order to do this, you require authorization for the processing characteristics (authorization object FD_CHARAC) for activity 66: Update.

If you select the field Update Indefinite Characteristics, the system updates all of the indefinite processing characteristics that are not current. With large positions in particular, you have the option of dispensing with the output of the detailed log. If you leave the field empty, the system outputs a detailed log of all of the loans concerned, and you can update the loans individually.

You can improve the system performance during the update by selecting the Parallel Processing field. If you wish, you can carry out the update in parallel, in the framework of a server group, on different instances using the remote function call (RFC).

Loans without Characteristics

If you select the field you can initialize the processing characteristics for the selected loans. You have to process the data when external data transfer is used to import a loan into the system. The processing only considers loans that do not have any processing characteristics.

This graphic is explained in the accompanying text.

In order to do this, you require authorization for the processing characteristics (authorization object FD_CHARAC) for activity 66: Update.

If you select the Determine Characteristics for the Loan field, the system updates the processing characteristics directly. With large positions in particular, you have the option of dispensing with the output of the detailed log. If you leave the field empty, the system outputs a detailed log of all of the loans concerned, and you can process the loans individually.

You can improve the system performance during initialization by selecting the Parallel Processing field. If you wish, you can carry out the initialization in parallel, in the framework of a server group, on different instances using the remote function call (RFC)

Check the Characteristics for the Loan

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

This graphic is explained in the accompanying text.

In order to do this, you require authorization for the processing characteristics (authorization object FD_CHARAC) for activity 66: Update.

Select the Update Characteristics with Differences field . The system updates all of the loans with different values directly. With large positions in particular, you have the option of dispensing with the output of the detailed log. If you leave the field empty, the system outputs a detailed log 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 are the same as those in the database. If you leave the field empty, the system only displays the loans with different values.

If you select the field Also Display Characteristics Without Differences, then the output list displays all the processing characteristics for the loan. If you leave the field empty, the system only outputs the loan processing characteristics that show differences.

You can improve the system performance when checking the processing characteristics by selecting the Parallel Processing field. If you wish, you can carry out the check in parallel, in the framework of a server group, on different instances using the remote function call (RFC).

Output

For each processing option, the system displays a list corresponding to the selection criteria using the SAP List Viewer . 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

The system displays the processing characteristics with the corresponding value for each loan.

This graphic is explained in the accompanying text.

In Customizing under Define General Installation Parameters you can activate the additional history of the processing characteristics. If you activate this function, the system logs each change to the processing characteristics of a loan. You can use the History pushbutton here to display the history of each loan. In the contract, you can do this using the Processing Characteristics pushbutton.

Loans with Indefinite Characteristics

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

Yellow: the loan has indefinite processing characteristics. You can update the processing characteristics for your selected loans using the Update button. You can only update the processing characteristics for a loan together, not individually. After the update, the traffic light icon for the selected loans 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 loans are displayed without the processing characteristics.The status is 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 loans using the Update button. You can only initialize the processing characteristics for a loan together, not individually. After the initialization the traffic light icon for the selected loans changes to green.

Green:the processing characteristics for the selected loans have been initialized. The system displays the processing characteristics with the corresponding value for each 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 values and, if applicable, the different values according to the database. Differences can arise if the programs do not update the characteristics, or do not update them correctly. A traffic light icon displays the status of each loan and each 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 loans using the Update button. Before doing this you need to analyze the reason for the different value. You can only update the processing characteristics for a loan together, not individually. After the update, the traffic light icon for the selected loans changes to green.

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

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

If you have selected the field Update Characteristics with Differences, the system updates all 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 do not appear different to those in the database. The processing characteristics for these loans 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 the processing characteristics for the loans.

You can also display the Change Pointers , providing you have activated them in Customizing under Define General Installation Parameters.

Activities

In the SAP Easy Access menu choose Accounting → Bank Applications → Loans Management → Information System → Reports → Position/Position Trend →Processing Characterisitcs.

Enter the selection parameters in the 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.