Research On Risk Evaluation Of YD Medical Equipment Financial Leasing In Wego Company

With the deepening of China’s medical and health system reform,the competition in the medical market is becoming increasingly fierce.Increasing investment and introducing advanced medical devices have become an important way for hospitals to improve their competitiveness.However,high-end medical devices need a lot of money.Generally speaking,using financial leasing to obtain large-scale and precise medical equipment can not only finance,but also avoid the intangible loss of equipment to a certain extent.Therefore,from a global perspective,leasing has been widely used in the purchase of medical equipment.The development prospect of medical equipment financial leasing is broad,which is bound to be accompanied by the occurrence of risk problems.How to control the risk has also become the focus of many financial leasing companies.Financial leasing has the dual characteristics of Finance and industry,which determines that the risk of financial leasing projects is distributed throughout the whole process of project implementation.Therefore,establish a scientific credit extension Risk evaluation system and project risk management and control are the top priority of risk management of financial leasing enterprises.Based on the analysis of the existing risk assessment methods,this paper constructs a new risk assessment system for the medical institution customers of W financial leasing company,and applies it to the risk assessment of the leasing project of the company.Firstly,this thesis introduces the related concepts of financial leasing and risk evaluation of medical devices;secondly,it introduces the current situation of risk management and risk evaluation of W financial leasing company,analyzes the existing problems of risk evaluation of the company,and puts forward the necessity of establishing a new risk evaluation system for W company;thirdly,it uses the overall framework of internal rating method to establish a risk evaluation system through expert investigation In this paper,the customer risk evaluation index system is combined with qualitative and quantitative analysis.The index weight is determined by the order relation method,and the evaluation standard of each index is established on the basis of investigation,and the rating classification method is given.Finally,using the new risk assessment system proposed in this paper,taking a medical institution customer of W company as an example,the risk assessment of the customer is carried out and the corresponding conclusions are given.The research results of this paper can provide reference for other leasing companies.