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Function documentationBRFplus for Account Origination

 

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

See Loan to Value Calculation and Product Proposal

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.

See Loan to Value Calculation and Product Proposal

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.

See Price Determination for a Banking Customer Quote

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.

See Loan to Value Calculation and Product Proposal

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.

See 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 Print and PFS Calculation Details assignment block.

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 Print and PFS Calculation Details assignment block.

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

Prerequisites

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.

Features

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.

Activities

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.

More Information

For more information about BRFplus and its usage, see Business Rule Framework Plus in CRM and Business Rule Framework plus (BRFplus).