In Customizing you can define how a credit check should be
implemented, dependent on the credit control area, the customer's
risk class, and the business type's credit group. You can do so in
Customizing for Credit Management under automatic credit control (
Sales and Distribution --> Basic Functions -->
Credit management/Risk management --> Credit management -->
Define automatic credit control).
From Release 4.0A the following new functions are available for automatic credit control.
Up until now, the system ran a credit check every time a
document was changed. As of Release 4.0A you can enter the number
of a requirement in the 'No avail. checks' field in document
controlling, which enables you to control when a credit check
should take place. You can switch off all checks or just individual
ones. This means that in individual cases, you can control whether
there should be any credit-relevant transactions or a new credit
The following cases are examples of when you could switch off the credit check:
You can also reset the credit-document status. The following is
an example of when this would make sense:
You are working with risk management (see also, Risk management) and have not specified the payment card as a form of payment guarantee in the payment guarantee procedure. You create a sales order but do not enter the payment card, so the system runs a credit check. Then you change the sales order and enter a payment card. Because the payment card is a secure form of payment, normally with an unlimited amount, you do not need another credit check. You can use the requirements to control that all credit checks are avoided, and to re-set all statuses.
Requirements are stored as routines. You can find more information about routines in the Implementation Guide (IMG) for Sales and Distribution under Routines. The two following routines are examples that are delivered with the standard system:
You can display and process them with transaction VOFM and if necessary, you can copy and adjust them. Examples of different scenarios for when no check should take place are programmed in these routines.
Ensure that the coding for your routine is consistent with that of risk management (for more information, see Risk management) . Note the Importing and Exporting parameters delivered in the standard system.
Before Release 4.0A you could use the seasonal factor to specify
the percent rate by which a customer's credit limit could be
increased. With Release 4.0A you can now specify by how much
percent a customer's credit limit may be reduced.
To reduce the credit limit by a certain percentage rate, proceed as follows:
In distributed systems (central financial accounting (FI), decentralized sales processing) the FI data from the central system are needed for the credit check (for more information, see Release Note for Credit Management in Distributed Systems). At the level of payer and/or credit account the following data are needed for a check: total of open items, detailed information on open items (e.g. the oldest open item), maximum dunning level, etc. The credit vector uses distribution functions to collect FI data in the central system, send, and evaluate it in the decentralized systems. The credit vector displays the FI information in a compressed form.
Under Checks in financial accounting/old credit vector, you can
enter the credit vector's permitted age limit in the
permitted days and permitted
hours fields. You can also determine the permitted
age limit of a credit vector for for a check. If the credit vector
has passed its age limit during a credit check, then the document
If you have organized your credit management so that credit checks are only run for specific orders that occur infrequently, you can enter an age limit of 0. In FI Customizing for credit management, switch the RFC to active. This means that the credit vector will only be created if you want a credit check to take place. As credit checks won't be run very often, this keeps the load on the system relatively low.
The permitted days and permitted hours fields can only be filled in when you have entered indicator X in the Read credit vector field. This is in Customizing for FI under Accounts Receivable and Accounts Payable --> Credit Management --> Credit Control Account --> Make basic settings for credit management.