Development Of China's Medical Equipment Leasing And Risk Management

Financial leasing originated in the United States after World War II, now in thedeveloped countries, financial leasing industry has become the NO.2financialinstruments. Because of this mode of finance has the financing material function, ithave certain advantages in the fixed assets obtained, and is extremely suitable for thehealth care industry who needs a large number of equipment. In developed countries,the financing lease has become a most frequently used way of obtaining medicalequipment in medical institutions.China’s Financial leasing industry started in the nineteen eighties, and in the late90’s began to permeate to the medical industry, but overall development is relativelyslow. In recently years, with the country pay increasingly attention on health servicevalue, more and more hospitals are in pursuit of the hospital diagnosis systemmodernization; and with our people’s self health care consciousness enhanced, thedemand for medical services has increased, that leading to the medical marketcompetition is becoming increasingly fierce. Therefore, strengthen infrastructureinvestment, purchase advanced medical equipment, improve medical environment hasbecome an important channel for most of the development of the hospital. Buthigh-end medical equipment will require substantial capital investment, and hospitalsources of funds slow and limited, only by self-raised funds with the unable to meetthe modern medical equipment update pace. Can be said that the lease financing isone of the financial market of our country urgently needs to develop varieties.This paper is divided into six parts, introduces the development status of medicalequipment leasing and possible risks and risk management methods. The first partintroduces the research background, purpose and the research idea. The second part istalking about the research results of the scholars around the world, seeking theinnovation of the paper. The third part is based on a detailed analysis of the financinglease on the definition, characteristics of medical equipment leasing, the leasingmarket development situation of global and Chinese medical equipment medical equipment leasing market comparison. The fourth part of this paper is SWOTanalysis from the advantages, disadvantages, opportunities and threats, on thefinancing lease business in medical industry advantages, constraints, is to explore thefull development potential and risk. In fifth part, first of all the relevant risks infinancial leasing industry is discussed in detail, including credit risk, market risk,operational risk and liquidity risk, to reveal the causes and possible loss; and then arating--CAMELS risk rating method for risk of the Finance Leasing Company, thespecific operation the content of this rating method in the empirical basis, the assetsecuritization and the angle of product innovation, some suggestions put forward therisk management of medical equipment leasing. In the last part of this article, thefuture development trend of financing lease of China medical industry was prospectedand rational analysis.