Batch User Guide produced by CRIF - Janata Bank

New Credit Line Data – New Contract: Credit Line Data that is sent for the first time in a
monthly contribution (a credit line application that has already been entered via an online
enquiry must also be sent as a new credit line).
New Client Data – New Subject: Client Data that is sent for the first time in a monthly
contribution for a Data Client in a given credit relationship. A Client may have already been sent
within a contribution, linked to other Credit Line Data, so it not necessary re-send again the
client dataset. It is necessary fill in the link (into the proper field of layout contribution file) with
the New Credit Line.
Contract (or Subject) Data Update: a data update pertaining to a Contract (or Subject) where
data has already been sent by means of a monthly contribution.
Mandatory Field: This field must be completed. Failure to do so will result in an error being
reported by the System.
Dependent Field: This field must be completed in specific circumstances indicated in the guide.
Optional Field: The FI can decide whether or not to complete this field.
Borrower: The Subject requesting or having been granted credit. Each Contract must have
associetad with it one and only one Borrower. If there are multiple borrowers, one is identified as
the Borrower, all others are identified as Co-Borrowers.
Co-Borrower: In a case with multiple borrowers that share the level of risk of a Contract, one is
identified as the Borrower, all others as Co-Borrowers. From the standpoint of level of credit risk
there is no difference between a Borrower and related Co-Borrowers in the System. Each
Contract can have from “0” to “n” Co-Borrowers.
Guarantor: A Subject that places a guarantee in whole or in part, with personal or real
guarantees, on a specific Contract requested by or issued to a specific Borrower.
Credit Request – Requested Credit: A request for credit issued by a Client
Renounced Credit: The Client is no longer interested in a Credit Request previously placed at
the FI
Refused Credit: The FI refused a specific Credit Request of a Client
Living Credit: The FI agreed to provide credit to a Client following a specific Credit Request, and
the Client agreed to the terms proposed by the FI
Terminated Credit: the specific Contract has been closed (whether because fully repaid or for
whatever reason) on, or after the expected closing date. No further information on the Contract
will be sent by the institution after the contribution in which is declares a Contract to be
Terminated Credit.
Terminated in Advance: the specific Contract has been closed (whether because fully repaid or
for whatever reason) before the expected closing date. No further information on the Contract
will be sent by the institution after the contribution in which is declares a Contract to be
Terminated in Advance.
Owner: A subject with a special role in a company as those indicated in table 5.4.16, or also the
individual that owns a Proprietorship.
Individuals: with term “individual” we refer to an actual person
Sole Trader or Sole Interest or Individual Concern or Proprietorship or Proprietorial
Concern: with term “sole trader” we refer to a type of business entity which legally has no
separate existence from its owner. All debts of the business are debts of the owner. The person
who sets up the company has sole responsibility for the company's debts. It is a "sole" trader in
the sense that the owner has no partners. A sole trader essentially refers to a natural person
(individual) doing business in his or her own name and in which there is only one owner. A sole
trader may do business with a trade name other than his or her legal name.
Company: with the term “company” we refer indifferently to
a form of body corporate or corporation, generally registered under the Companies Acts or
similar legislation
every Business Institutions, Government and Semi-government organizations, Industries
It does not include a partnership or any other unincorporated group of persons.
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