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Central Risk Management (CRM)

This page allows a Loan performer User to generate credit risk reference file for a specified period of time that are sent to the regulator for interpretation and credit analysis.

How to generate credit reference files

To to generate credit reference files you go to Accounts/Regulatory reports/Central Bank of Madagascar/Central Risk Management and a screen like the one below shows up:

Note that the credit risk levels need to have been defined under menu System Configuration/ Loan product settings/Guarantee settings.

• Date from:  In the drop down box, select the appropriate date when the Central Risk Management (CRM) report will start, e.g., "01/02/2016" and in the to Date drop down box select the date when the Central risk management report will end e.g., "29/02/2016"
• Save file to this directory: This field specifies the path to the Credit reference files folder that you are currently using.

For the above reference files to have the required information in them, you need to do the following:

• You need to enter a 3 character Placebo Code for Loan Guarantee Items under Support files/Loan Guarantee Items the Credit Risk Management report will search the guarantee id of the loan, and use the Placebo Code in the report.
• The Client's or Member's birthplace needs to have a geographic area code. This is currently not available.
• While LPF has a 12 digit code for geographical areas, for purposes of this report (Central Risk Management) (Centrale de Risques) there is a 10 characters wide placebo code field that should be used for producing the CRM report under Support Files/Geographical areas.
• When registering the clients documents under Clients/ Individual Clients/ Identification also include the Area name/code. This is the place of issue of the document this will be saved as an area code, for the ‘Central de Risques’
• Enter the client's Nationality under the menus Clients/Individual Clients/Personal Data. These nationalities need to have been defined under menu Support files/Nationality.
• Enter the names of the Parents of the client at client registration under menus Clients/Individual Clients/Personal Data for individuals and Clients/Group clients/Group member information/Group members for group members. While LPF has Parent, who can be a father, mother, sister, brother or whatever. For this Bank of Madagascar report, the name of father and name of mother are specifically asked for.
• Define the Professions of the clients under menu Support files /Profession. And select the relevant profession for the client under Clients/Individual Clients/Personal Data. LPF will use its own serial number but at the same time ask the user to enter a 5-digit placebo code when defining a profession. This code is what is reported for the Credit Risk report.
• Enter a 6-digits Placebo Code in the Business sector field under Support files/Business sector for Madagascar that will be used in this report.
• Enter a 5-character placebo code for Loan category 3. This will provide basis for credit analysis based on the placebo code.

Note:

The placebo code is a code you enter manually yourself according to the institution's needs. It is different from the automatically generated code by LPF. This will enable you to filter and analyze your loan reports by the placebo code you will have defined. For instance, the regulatory reports sent to the Central risk management of Bank of Madagascar require that you analyse and declare your financial information by the placebo code and not the LPF automatically generated code. For more information on this, go to Accounting/Regulatory Reports/Central Bank of Madagascar/Central Risk Management.

Note that you need to create a folder that will be used to store the risk files created e.g "C:\lpf817\risk Files\" This will be the directory that will be browsed from the Credit reference files window as shown below:

• The credit reference files generated are in note pad format as seen below:

Contact LPF live support for more information
This service requires an Internet connection.