Research On The Risk Control Of Medical Equipment Financial Leasing In M Leasing Company

With the improvement of people’s living standards and the rapid development of medical and health undertakings in recent years,medical institutions all over the country hope to meet the growing demand for medical treatment by expanding the hospital area,introducing advanced medical equipment and excellent medical personnel.First of all,faced with the primary task of poverty alleviation,in order to improve the medical conditions in poverty-stricken areas,medical support is an important link,and increasing the number of primary medical institutions is the key,which makes large medical institutions in the process of setting up subordinate branches will have a shortage of funds;secondly,most of the existing medical institutions are obsolete to varying degrees In the process of development,a small number of excellent medical institutions can be relieved by bank loans,but most medical institutions do not have the ability to borrow money from banks,or they can not meet the needs of their own development through bank loans,while financial leasing provides an effective way of financing It can provide strong support for the introduction of advanced medical equipment.At the same time,in recent years,in the process of rapid development of medical equipment financial leasing business in China,some financial leasing companies have a series of problems such as business stagnation and bankruptcy liquidation due to the lag of risk identification and control.Therefore,it is urgent to establish a forward-looking project risk identification system,build an effective risk prevention and control mechanism,and strengthen the risk control in the financial leasing business,which is an urgent problem to be solved to promote the healthy and orderly development of the whole industry.Based on the analysis of the concept,business model and operation process of medical equipment financial leasing,this paper analyzes the risk generation mechanism of medical equipment financial leasing in China,and summarizes the risk categories Credit risk,technical risk,market risk,financing guarantee risk and repayment ability risk.This paper combs the existing problems at this stage,and puts forward specific measures for risk control according to different risks and combining with risk control theory.In this paper,based on the theoretical analysis of financial leasing,combined with the actual situation of M leasing company and the actual process of financial leasing business,from the perspective of M financial leasing company,this paper analyzes the current situation of M leasing company Y hospital’s equipment direct leasing project is elaborated in five aspects: Lease scheme design and lease investigation,tenant survey,hospital scoring model,on-site due diligence and investigation conclusion.Combined with the research theory,the paper systematically combs the risk points in medical equipment financial leasing project and shows the control methods.Finally,it points out the shortcomings of M leasing company offer a proposal.The financial leasing of medical equipment in this paper is the direct leasing business of equipment.