Settings in Credit Management for Account Origination 

Use

You use the credit rating check for business partners in account origination. You do not find this function in SAP Customer Relationship Management (SAP CRM), but in the connected SAP Credit Management system. Before you can use the credit rating check in Credit Management, you must make settings in the back-end system as well as in CRM.

 

The following are examples of settings in the back-end system made using the SAP component SAP Credit Management.

The technical implementation of the Account Origination scenario requires at least one contract system for the operational management of contracts. Before you configure your system landscape for the technical implementation of the scenario, check the existing limitations of the contract system you plan to use as the back-end system for the operational management of contracts in combination with account origination.

For more information, see SAP Service Marketplace at service.sap.com/notes.

Integration

The credit rating check (in SAP Credit Management, for example) is integrated in the account origination process as an external function.

For more information, see XI Content for Account Origination.

Prerequisites

●      Before you can use the credit rating check, you must activate SAP Credit Management.

For more information, see SAP Note 634527.

●      You have activated distribution of the business partner data. Before you perform the credit rating check, you must enter the business partner data in SAP Credit Management.

For more information, see XI Content for Business Partner.

Features

Before you can perform the credit rating check, you must make the following settings in SAP Credit Management:

Define the Rating Procedure

You create a rating procedure for every external agency that you want to use for queries. In the rating procedure, you store the individual discrete values that the agency returns to you (rating scale).

In addition, you set error codes in the Business Add-In (BAdI) UKM_CREDIT_INFO (see Implementing a Business Add-In). The system then displays these settings if the agency sends an error code or if a technical error occurs with the query, for example.

The error codes can differ from agency to agency.

For more information, see the Implementation Guide (IMG) for Financial Supply Chain Management under Credit Management → Credit Risk Monitoring → Master Data → Define Rating Procedure.

Define Formulas

You create formulas to determine the internal credit rating. In addition to external ratings, you can use further attributes and functions for the formulas.

When you query a credit rating, you must integrate the query in your formulas to be able to check whether the customer has signed a declaration of consent.

For more information, see the IMG for Financial Supply Chain Managementunder Credit Management → Credit Risk Monitoring → Master Data → Define Formulas.

Create the Procedures for Determining Credit Rating and Credit Limits

You define credit rating procedures by defining formulas and rating procedures. You then assign these procedures to business partners.

You do not need to define credit limits for credit rating checks in account origination.

For more information, see the IMG for Financial Supply Chain Management under Credit Management → Credit Risk Monitoring → Master Data → Create Rule for Scoring and Credit Limit Calculation.

Define Events and Follow-On Processes

To define which process is triggered by the system when a particular event occurs, you link the follow-on process to an event.

The following events and follow-on processes are relevant for account origination:

Activity	Type of Event	Follow-On Process	Description
REQUEST (credit check)	External rating invalid	Calculate external rating(s)	System gets rating data from external agency again
	Internal rating invalid	Calculate internal rating(s)	System restarts internal credit rating check
	Internal rating changed	Call BAdI	Calls BAdI UMK_EVENTING with filter value IC (see below)

 

For more information, see the IMG for Financial Supply Chain Managementunder Credit Management → Credit Risk Monitoring → Processes → Define Events and Follow-On Processes.

Implement Business Add-Ins (BAdIs)

You can use BAdIs to connect to the credit management server.

The following BAdIs are relevant for account origination:

BAdI Definition	Filter	Method	Description
UMK_EVENTING	IC	HANDLE_EVENT	In case of errors: restriction of buffer for rating to one day
UMK_CREDIT_INFO	–	CHECK_EXT_INFO	Store rating agency response in business document service
UMK_CREDIT_INFO	–	HANDLE_REQUEST_FAILED2	Set error code for rating and restrict buffer to one day
UMK_CREDIT_CHECK	–	CONVERT_OUTBOUND	Execute confirmation

 

For implementation examples, see the ABAP class CL_FS_CRM_BADI_CONTAINER that is in SAP Credit Management but contains special settings for account origination.