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1、Chapter 19Credit ManagementCredit Management is the process of establishing customer credit limits, establishing credit checking policies and monitoring Customers against those criteria. It is configured in both the Financial Accounting (FI) and Sales & Distribution (SD) modules.Chapter ObjectivesPr

2、ovide an understanding of how credit limits are set and maintained for customers.Provide an understanding of the hierarchical relationships between Credit Control Area, Company Code, and Customer.Identify and understand the functionality of monitoring credit limits for Customers using Automated Cred

3、it Checking in FI and SD.CustomerCustomerSales Rep.CreditCheckCustomerCredit LimitsAccept OrderAccept Order / Block DeliveryRefuse OrderUsed to Set and Control Credit Limits for CustomersSalesOrderCustomerCredit InformationCheckCredit ManagementCredit Control AreaCredit Control AreaClientPepsiCo.CCA

4、ACompany Code123Company Code456Customer ACustomer ACustomer ACustomer BCustomer CExample:ClientCredit Control AreaCompanyCodeCustomerCCBBCompany Code999Credit Control AreaStep 1: Define a Credit Control AreaStep 2: Assign Company Codes to the Credit Control AreaDefining a Credit Control AreaCCAA = $

5、 500,000.00CCCH = $ 500,000.00CCAA +CCCH = $ 2,000,000.002 levels of credit limit: Globally across all Credit Control Areas Per Credit Control AreaExample:Customer AGlobal Limit: $2,000,000.00Credit Control Area Limit: $500,000.00PepsiCo.Customer ACustomer AClientCCAACredit Control AreaCCCHCredit Co

6、ntrol Area123Company Code999Company CodeAssigning Credit Limits Per CustomerMaximum amount that can be assignedper Credit Control AreaMaximum sum amountthat can be assigned across all CreditControl Areas Highest limit alreadyassigned for an individual CreditControl Area Total limit alreadyassigned a

7、cross allCredit Control AreasMaintaining Credit Limits Per CustomerPostings:Increase these amountsClearings:Decrease these amountsSpecial G/LTransactions such as down paymentReceivablesfrom salesOpen Sales Orders,Deliveries andBilling Docs.Total receivables,Special G/L Trans. and outstandingorder va

8、lue Monitoring Credit Limits for CustomerA: WARNING MESSAGESALES ORDER TYPEB: ERROR MESSAGEC: WARNING MESSAGE WITH DELIVERY BLOCKD: AUTOMATIC (AUTOMATED CREDIT CHECKING)STATIC ONLY STATIC or DYNAMICCheck Credit Limit (Select One)Credit Checking+OPEN SALES DOCUMENTSOPEN DELIVERY DOCUMENTSOPEN BILLING

9、 DOCUMENTSOPEN ITEMS (A/R)+CREDIT EXPOSUREStatic Credit CheckDynamicComponentStatic ComponentOPEN DELIVERY DOCUMENTSOPEN BILLING DOCUMENTSOPEN ITEMS (A/R)OPEN SALES DOCUMENTWITHINHORIZON+Credit ExposureDynamic Credit Check STATIC CHECK DYNAMIC CHECK ON BASIS OF MAXIMUM DOCUMENT VALUE WHEN CHANGES AR

10、E MADE TO CRITICAL FIELDS ON DATE OF NEXT INTERNAL REVIEW ON BASIS OF OVERDUE OPEN ITEMS AGAINST HIGHEST DUNNING LEVELCredit Checks WARNING WITH BLOCK ERRORSystem Reaction WARNINGAutomated Credit Checking FeaturesCredit Control Areas (CCA) EURO EuropeCCCS North AmericaRisk Categories RO1 High RiskRO

11、2 Medium RiskRO3 Low RiskCredit Representative Groups 001 Europe002 North AmericaCustomer : 6Credit Control Area : EURORisk Category : R02CreditRepresentative Group : 001Credit Limit : 10,000 USDCustomer Credit ManagementAreaCredit RepresentativePart Func.Pers.No. MailKB012JonesAutomated Credit Chec

12、kingConfiguration in FI01Sales Order02Delivery03Goods IssueDocument Credit GroupsOR.Sales Document Types=AutomatedCheckDActiveTANAGNYesItem CategoriesXFactors influencing credit:Credit+Risk+DocumentControlCategoryCredit AreaGroupAutomated Credit Checking Configuration in SDCredit Account Order Credi

13、t Value Risk StatusCustomer A 351 1000.00 Medium Dynamic ChkCustomer X 567 200.00 High Dynamic ChkCustomer Y 595 50000.00 Low Static Chk Credit Control Area CCXX Credit Rep Group US Release the order(s)Blocked SD OrdersReviewing and Releasing Credit HoldsRisk ManagementRisk ManagementPayment CardsEx

14、port Credit InsuranceLetters of CreditCredit ManagementManual ChecksStatic/DynamicChecks+Sales Order 101Sold-to #6Net value $1000XYZ 10 500ABC 20 500 Letter of Credit for customer 6of $6003. System performs a credit check against remaining $400 of the sales order.2. The system determines that letter

15、s of credit are allowed and finds one for this customer valued at $600.1. At sales order entry, the sytem determines what types of payment guarantees are allowed for the payer and document type.A User Exit at the Header LevelBilling View of the Payer Master RecordThe Sales Area of the transactionCom

16、pany Code of the Sales OrganizationOrder of checks for determining the Credit Control AreaFirstLastCredit Control Area Determination OptionsEarly Warning ListCreates a report on customers who are likely to e criticalThe Early Warning List derives its information from the A/R Summary. It is necessary

17、 to run the A/R Summary on a timely basis to ensure up to date information.Management can use the results of these reports to determine a course of action on clients. Automatic actions can also be set in customizing. SD Creating SD - Documents FIReport: RFCMCRCVNon distributed systems: CHECK a) perf

18、or- mance+ b) Distributed systems: CHECK a) b)perfor- mance? A/R SummaryCreatesActual DataCHECKReport: RFDKLI42Early Warning Listvia RFCA/R Summary in distributed and non-distributed systemsPreliminary settings are done here.AR SummaryIt contains all credit information for an account in compact formCan be used for SD credit checks both in distributed and non-distributed credit managementIncreases efficiency in non-distributed systems as repeated read of open items is avoidedAR Summary - Aging Settings A/R Summary aging settings in A/RA/R Summary agin