11.09.2006 Basel II Rating with MiCLAS.

Basel II is a mighty instrument of the banks. MiCLAS. as a modern ERP-system fulfils and assists the measures, which are required by 34 of 36 banks, to improve and execute a Basel II rating.
The conclusion of assurances and additional securities become by a networked ERP-system like MiCLAS. with external data-backups more sure and cheaper. Damage events because of accidences and disasters can cause a company-shutdown. Destroyed computers and machines can be perhaps substituted within days. For years compiled data get lost irreparably if no data-backup occurs beyond the company. Therefore a modern ERP-system like MiCLAS. leads to a better estimation of the own rank of rating.
accounts receivable management / payment with cash-discounts
By a modern ERP-software like MiCLAS a promptly and completely invoice-issuing and accountancy can be provided as well as an implemented independently credit-assessment of suppliers and clients. Only by a modern software a promptly initiation of a dunning- and collection-procedure can be done as well as the use of factoring. An important part of the accounts receivable management is the payment with cash-discounts and rebates, the installation of a liquidity-planning as well as a consistent cost-management and efficiency-increase.
Debt rescheduling and alternative financing means a change of short-term-credits into long-term-credits, usage of supplier credits and alternative financial instruments (for example software-leasing). Of course is this only possible with the support of a modern software-tool like MiCLAS.
The reduction of fixed assets and stocks means the sale of non-necessary components of the fixed assets, as well as the consumption and sale of redundant stocks. This can be provided and realized only with an efficient ERP-software. An other requirement is leasing instead of the ownership of properties, machines and software.
Banking relations means to signalise the bank a co-operation which based on openness and trustfulness as well as a prompt and unasked submission of documents. An other claim is the allocation of guarantees for the bank as well as the consistent compliance of the promised credit-lines. The allocation of these sensitive finance-data in a multimedia environment can only achieve by a sure and high-performance software as MiCLAS.


Strategical planning as the build-up of a balanced score card:
·          Build-up of a balances score card for realization of a strategy
·          Evaluation of the mega-trends for the future-prospects of the company
·          Evaluation of the strengths and weaknesses of the company
·          Development of a operative corporate-planning (to plan the daily-business)
·          Installation or extension of a controlling-system (sales-lists)
·          Strengthening of the management-competence (corporate-management by EDP)
·          Evaluation/strengthening of the competitive-advantages of the company (quality, service, sales)
·          Analysis of the market-attraction of the branch (branch-rating) (CRM/MIS)