You use the Business Rule Framework Plus (BRFplus) to define rules for checks and calculations that the system executes in the account origination process. In an account origination scenario for retail loans, for example, BRFplus is used as a tool to facilitate calculations and to arrive at decisions.
The following table explains which process steps require a calculation or decision making with BRFplus rules:
Process Step | Rule | Content | More Information |
---|---|---|---|
Banking Opportunity-Need Analysis | Loan-to-value (LTV) | Formula: (financial requirement/property value) x100 | |
Banking Opportunity-Product Proposal | Product proposal | Ruleset: CRM_FS_RS_PRODPROP Decision table: Get the product based on customer age, customer segment, loan amount and so on. | |
Banking Customer Quote-Pricing | Negotiation range | Ruleset : CRM_FS_BCQ_RS_NEGO_RANGE Decision table: Get the negotiation range based on sales product, authorization level of relationship manager, condition type. | Check if the negotiation for a particular condition is within the allowed range for a relationship manager. |
Banking Customer Quote-Variant | Variant correctness | Ruleset : CRM_FS_RS_VARIANT_CHECK Decision table: Get the product based on customer age, customer segment, loan amount and so on. | |
Banking Customer Quote-Release | Release quotation | Ruleset : CRM_FS_RS_REL_CHECK_HEADER CRM_FS_RS_REL_CHECK_ITEM Decision table: Release quotation based on TDSR, free collateral, document checklist. | |
Banking Customer Quote-Personal Financial Statement | Selection of role for which the personal financial statement ratio is calculated | Decision table : Determine the roles for which the personal financial ratio has to be calculated. | See Financial Calculations for Personal Financial Statements |
Personal Financial Statement-Frequency Conversion for Expense | Frequency conversion for expense amount | Loop: Based on the PFS expense table, the expense amount is converted into monthly frequency. This is used in the PFS | See Financial Calculations for Personal Financial Statements |
Personal Financial Statement-Frequency Conversion for Income | Frequency conversion for Income amount | Based on the PFS income table, the income amount is converted into monthly frequency. This is used in the PFS | See Financial Calculations for Personal Financial Statements |
Personal Financial Statement- Net Worth | Net worth | Formula: total assets - total liability | See Financial Calculations for Personal Financial Statements |
Personal Financial Statement-Disposable Income per Month | Net disposable income | Formula: total income - total expenses | See Financial Calculations for Personal Financial Statements |
Personal Financial Statement- TDSR | TDSR | Ruleset : CRM_FS_RS_PFS_TDSR Formula: (monthly commitment/ monthly income) * 100 | See Financial Calculations for Personal Financial Statements |
You have activated the business function CRM-FS, Guided Loan Origination Process
(CRM_FS_NBRNWL_1
).
The role BRFplus Administrator
(SAP_BC_FDT_ADMINISTRATOR) has been added to your user profile.
You must manually import the required BRFplus application in your delivered system from client 000 into your required client. For more information, see Importing BRFplus Application in Required Clients.
BRFplus for Account Origination
BRFplus provides a comprehensive application programming interface (API) and user interface for defining and processing business rules.
An editable Customizing application (FS_AO_BRFPLUS_CUSTOMIZING
) is available for the following functions:
Function CRM_FS_FN_PFS_DISP_INC
(Disposable Income)
Function CRM_FS_FN_PFS_NETWORTH
(Net Worth)
Function CRM_FS_FN_PFS_FREQ_CONV_EXP
(Frequency Conversion for Expense Amount)
Function CRM_FS_FN_PFS_FREQ_CONV_INC
(Frequency Conversion for Income Amount)
Function CRM_FS_FN_BCQ_PFS_CALC_ROLES
(Roles for PFS Calculation)
Function CRM_FS_FN_BOP_LTV
(Loan-To-Value Ratio)
Function CRM_FS_FN_BOP_PROD_PROP
(Product-ID)
Function CRM_FS_FN_PFS_TDS
(TDS Calculation)
Function CRM_FS_FN_DCL_CHECKLIST
(Document Checklist)
Function CRM_FS_FN_BCQ_VARIANT_CHECK
(Variant Correctness)
Function CRM_FS_FN_NEGO_RANGE
(Negotiation Range)
An adapter is used to connect the account origination scenario to the BRFplus tool. A helper class contains all the methods needed to execute the BRFplus function. It also collects the messages coming out of the execution and passes them back to the application for further processing. The processes that need to process the business rules call the adapter.
The relationship manager performs account origination from the WebClient UI. This process calls CRM transaction types, such as banking opportunity or banking customer quote. The LTV ratio and the product and pricing proposal, for example, use the “New Business for Retail Mortgage Loan”-BRFplus adapter to execute the rules. The BRFplus adapter communicates between the account origination scenario and the BRFplus tool.
You can edit existing rules. You can start the BRFplus workbench in one of the following ways:
In the back-end system with transaction BRFPLUS.
In the web browser with the BRFplus workbench URL that is specific for your system landscape.
You can find the BRFplus objects that you can change in application FS_AO_BRFPLUS_CUSTOMIZING.
If you want to change a BRFplus rule or create a new rule, you must do the following:
If no context change is required, you edit the expression only. If you create a new function, you must also maintain the function ID and the metastructure in Customizing.
If you add a new scenario, maintain the process and subprocess in Customizing.
If the context needs to be changed, you do the following:
Edit the metastructure to incorporate new fields.
Edit the context of an existing BRFplus function with fields that were newly added in the metastructure. Alternatively, you can create a new BRFplus function. This function should contain the context as a subset of the elements of the new metastructure. Note that the name of the elements should be exactly the same.
Maintain the BRFplus function ID and metastructure in Customizing.
You can also copy the Customizing application provided by SAP to your namespace and then make the necessary changes to the rules. You can then execute the Customizing activity Assign Processes to BRFplus Business Rules
to establish the link between the process and the rule to be used.
After you have maintained the business rules in BRFplus, you must complete the settings for the following Customizing activities in Customizing for Account Origination under BRFplus Rules
:
In the Customizing activity Define Processes That Use BRFplus Business Rules
, you define the processes that use the BRFplus rules.
In the Customizing activity Assign Processes to BRFplus Business Rules
, you assign the processes to the related BRFplus rules.
Under BAdIs for BRFplus Rules
, you implement the following BAdIs:
BAdI: Business Rules for a Banking Customer Quote
to influence the business rules executed for a banking customer quote.
BAdI: Calculations for Personal Financial Statement
to use your own formula for the total debt service ratio (TDSR) calculation, for example.
BAdI: Calculations for a Banking Opportunity
to use your own rules for the product proposal and loan-to-value calculation.
BAdI: Document Checklist
to influence how the system gets the dynamic document checklist for a case type.
For more information about BRFplus and its usage, see Business Rule Framework Plus in CRM and Business Rule Framework plus (BRFplus).