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Disbursement of a Consumer Loan (Enhanced) ( RELNBANK_CML_500_CLDISBU )

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Short text

Disbursement of a Consumer Loan (Enhanced)

Use

As of SAP ECC 5.00, Financial Services (EA-FS 500) the Disburse Loan function is available as part of the Change Consumer Loan function. You can use this function to create the disbursement when processing the loan. In the context of managing loans given, the disbursement function only represents the entry of the planned outgoing payment in accounting. For the money to actually be paid out by your company, you have to post the disbursement and create a payment after the disbursement has been entered.

You will find more information about the new function for loans belonging to the category Consumer Loan (340) under Product Category Consumer Loans (340) (New).

Effects on Existing Data

Effects on Data Transfer

Effects on System Administration

Effects on Customizing

You need to have completed the following IMG activities in the Customizing settings for Loans Management:

• In the IMG activity Define Product Types you can determine whether the system calculates the interest proportionally for each disbursement (interest per disbursement), or according to the status of the current interest calculation capital (balance method) for partial disbursements within the same period (interest period).

If you determine that the balance method is used, the system no longer generates interest flows for posted interest periods in which partial disbursements have been entered.

• In the IMG activity Define Flow Types you must have defined the value 1 (automatic posting) in the Posting Control field for the flow types for the drawing amounts and the contract conclusion charge.

• In the IMG activity Define Flow Types you need to have defined the value 2 (withholding amount) in the field Withhold.disb. for the flow type for the CLI single premium and the contract conclusion charge, so that the system saves, posts and clears these automatically.

• In the IMG activity Define Condition Groups, under Assign Flow Types to Condition Groups per Application, you must have assigned a single flow type for disbursement with application subfunction 1 (Disbursement: Settlement), and the payment transaction ID 1 (customer account posted), to the corresponding condition group.

You can assign additional flow types for application subfunction 1 (Disbursement: Settlement) to the same condition group for the CLI single premium (credit life insurance). However, these must have the payment transaction ID 0 (customer account not posted).

• In the IMG activity Company Code-Dependent Settings for Product Type, you can determine whether the system includes the disbursement date in the calculation of the interest value date. You can also specify the payment method the system should use to make the postings to the customer account.

• In the IMG activity Define Plausibility Checks you must not set the Partner indicator for the corresponding product type.

Further Information

You will find more information in the documentation for the individual IMG activities, and in the SAP Library under Financials → SAP Banking → Loans Management → Consumer Loans → Process Consumer Loan → Disburse Consumer Loan.

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This documentation is copyright by SAP AG.

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