Credit Risk Assessment Of A Hospital Medical Equipment Finance Leasing Project Of G Company

With the market-oriented reform of the medical system,the introduction of advanced medical equipment is crucial for the development of China's medical and health and people's lives.However,hospitals are faced with many difficulties in investing in high-tech medical equipment and huge funding gaps.Financial leasing is a flexible means of financing.With the deep development of the social economy,financial leasing is widely used in the financing of various industries.The medical equipment financing leasing market continues to expand,and the risks that come with it are increasing,especially credit risk.Based on the relevant theories of financial leasing,this paper elaborates on the main modes of medical equipment financing leasing and the main risk points of each link.On this basis,based on the bank's credit internal rating method,the quantitative and qualitative methods are combined to set the qualitative and quantitative indicators of the hospital and the guarantee party,and the combination of quantitative and qualitative methods is adopted for the case that the rented hospital has been operating normally and the rented hospital has not yet operated.Weighed and established a credit risk assessment model for medical equipment financing leasing projects.The G financing leasing company conducts the medical equipment financing leasing project of A hospital and the credit risk assessment process is compared with the theory,and it is concluded that G company has insufficient due diligence in the credit risk management of A hospital financial leasing project,and the tenancy hospital analysis Insufficient,lack of financing leasing professionals and gaps in post-rent management risk assessment.The credit risk assessment model of the rented hospital that has not been opened is applied to the medical lease project of hospital A,and the credit rating of the project is A+.Finally,comparing the credit risk assessment method of this paper with G company,it proposes a credit risk assessment improvement for G financing leasing company to pay attention to comprehensiveness of due diligence,establish credit risk assessment model,strengthen post-rental risk management,and innovate medical equipment financing leasing business model.This paper studies the credit risk assessment of the medical equipment financing leasing project of G Company A Hospital.It not only has important practical guiding significance for the credit risk assessment of G company medical equipment financing leasing,but also the credit risk assessment of financial leasing of other companies in other industries.