dealerfinancing操作手册.pptVIP

Continued: Network scoring RESPONSIBILITY LIMITS Central Dealer Financing is responsible for providing the network scoring procedure to the markets. This procedure is on a Microsoft Excel file- called ValRet The analysis should be carried out by: the Dealer Financing Manager of the Finance Co - wher Fidis is present in the market the Financial Manager of the Fiat Auto Affiliate - supported by the Business Development Manager - where Fidis is not present Activities to be done are: collect the Financial Statements for the previous year Critically analyse them Reclassify them Complete the scoring -within the month of October for that year’s analysis 6.2 PLAFOND DETERMINATION 6.3 The plafond represents the maximum amount of total credit exposure available to the dealer for his short term requirements. The plafond computation: is specific; it considers the requirements of each dealer as regards his level of business; is linked to the credit-worthiness of the dealer (with regard to economics, equity and financing structure; is carried out within a scoring system; assumes an initial entry requirement - represented by minimum guarantee levels; predetermines the acceptable risk in an objective manner. The plafond is assigned on the appointment of the dealer and normally reviewed on an annual basis. Therefore each time the plafond is reviewed it is necessary to review the risk level accepted for each dealer. Continued: Plafond determination ACTIVITIES The responsibilites in the plafond allocation process of the local Finance Co. are: collect the commercial requirements per product line from the Fiat Auto Affiliate, subsequently integrating them with other financial requirements; utilising the previous (financial statement)score (0-80 basis) and adding to it a subjective score (0-20 basis) which is based on the following criteria: prompt payment performance, stock audit results, overall franchise performance of the dealer obtain, with the help of the Fiat A