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Background documentationPrice Determination for a Banking Customer Quote

 

In a standard system, banking customer quotes are configured not to use the pricing functions offered by SAP CRM.

For banking customer quotes, the standard price conditions are queried from the Financial Conditions component CA-FIM-FCO in your connected account-managing system and are not stored in SAP CRM. You can copy a determined condition and make individual settings for it.

After the standard price determination, you can also apply special prices based on the defined business rules. During negotiation with the customer, you can change both standard conditions and applied special prices within the limits defined.

Only the negotiated price conditions and all the payment conditions are stored as individual conditions for a product variant in the banking customer quote. The price and payment conditions determined for a banking customer quote are negotiated using BRFplus business rules. For more information, see BRFplus for Account Origination.

The condition fixing period and condition determination date are specified at variant level.

Prerequisites

You have activated the business function CRM-FS, Guided Loan Origination Process (CRM_FS_NBRNWL_1).

Customizing Settings

  • You have enabled the pricing functions provided by the Financial Conditions component (CA-FIM-FCO) for the relevant item categories of your banking customer quotes and banking sales contracts. You have done so by making settings in Customizing for Financial Services under Start of the navigation path Account Origination Next navigation step Banking Customer Quote Next navigation step Financial Conditions Next navigation step Enable FICO Pricing for Item Category End of the navigation path.

  • You have disabled the pricing functions from CRM for the same item categories of your banking customer quotes and banking sales contracts in Customizing for Transactions under Start of the navigation path Basic Settings Next navigation step Define Item Categories End of the navigation path.

  • You have made the general settings for Financial Conditions in Customizing for Start of the navigation path Cross-Application Components Next navigation step Financial Conditions End of the navigation path.

  • You have defined the required condition types and conditions group types in Customizing for Financial Services under Start of the navigation path Account Origination Next navigation step Banking Customer Quote Next navigation step Financial Conditions Next navigation step Define Condition Types End of the navigation path and Define Condition Group Types.

  • You have defined the required authorization level for the relationship manager negotiating the condition in Customizing for Financial Services under Start of the navigation path Account Origination Next navigation step Banking Customer Quote Next navigation step Financial Conditions Next navigation step Define Authorization Levels End of the navigation path.

  • You have enabled condition differentiation by making settings in Customizing for Financial Services under Start of the navigation path Account Origination Next navigation step Banking Customer Quote Next navigation step Financial Conditions Next navigation step Differentiation Characteristics Next navigation step Define Contract Amount End of the navigation path and Start of the navigation path Define Term End of the navigation path.

  • You have implemented the BAdI: Business Rules for a Banking Customer Quote to perform the following tasks:

    • Influence how you check changes made against the negotiation range for a relationship manager

    • Apply special prices based on certain sales attributes, for example loan term and financial requirement

    For more information about the BAdI, see Customizing for Financial Services under Start of the navigation path Account Origination Next navigation step BRFplus Rules Next navigation step BAdIs for BRFplus Rules Next navigation step BAdI: Business Rules for a Banking Customer Quote End of the navigation path.

  • If you want to automatically make individual settings for the payment conditions when the price determination is triggered, you must have implemented the BAdI: Mapping of Variant Fields to Payment Condition Fields. For more information about the BAdI, see Customizing for Financial Services under Start of the navigation path Account Origination Next navigation step Banking Customer Quote Next navigation step Financial Conditions Next navigation step Business Add-Ins (BAdIs) Next navigation step BAdI: Mapping of Variant Fields to Payment Condition Fields End of the navigation path.

  • To automatically get the standard conditions for a variant without explicitly choosing the Determine Price pushbutton or to automatically get the payment plan for a non-selected variant without explicitly choosing the Calculate Payment Plan pushbutton, you can implement the BAdI: Get Determined Standard Conditions for a Variant. For more information about the BAdI, see Customizing for Financial Services under Start of the navigation path Account Origination Next navigation step Banking Customer Quote Next navigation step Financial Conditions Next navigation step Business Add-Ins (BAdIs) Next navigation step BAdI: Get Determined Standard Conditions for a Variant End of the navigation path.

Authorization for Financial Conditions

If you want to edit individual conditions, you must make sure that your users are authorized to execute the activities defined in authorization object F_FICO_IND (FICO Individual Conditions).

Integration

External Service Calls for Product Price Determination

A synchronous service for product price determination returns the conditions relevant for a product in the specified time period. This service is called by triggering actions and choreography.

For more information, see Connection to External Systems Using Consumer Proxies.

More Information

Financial Conditions (CA-FIM-FCO)