Summary of medical financial leasing business models. At present, most of the funds invested by private hospitals are in infrastructure, and the hospital's own properties can be used for financial leasing. So what are the models of medical financial leasing business? 1. Hospital financial leasing (1) Public hospital system

The credit granting system for financial leasing public hospitals has been relatively complete, with Class II hospitals as the core, Class III hospitals also taken into consideration, and channel development as the main task, quickly forming a large number of excellent leasing assets.

(1) Admission criteria 1) Class II A (inclusive) and above hospitals; in principle, annual medical revenue is more than 100 million yuan; 2) Top two at the county level, top five at the city level, covering a population of 400,000

people or more; 3) The ratio of the hospital’s drug revenue to the hospital’s total annual revenue is <50%; 4) It must be needed for hospital construction and equipment purchase, and must not be financed or misappropriated on behalf of the government; 5) The leased property must have clear ownership and belong to the hospital

, without any other rights (including leased items from other leasing companies, cooperative investment equipment, mortgaged equipment); 6) The leased items must have invoices, and the value is determined based on the net fixed asset value of the hospital, without discounts; 7) Financial leasing projects must

Log in during registration.

8) Credit extension does not require additional mortgage guarantees.

(2) Credit scale and term 1) In principle, the total amount of credit granted to hospital customers shall not exceed 80% of its total revenue in the previous year; 2) The hospital’s debt repayment sources must cover all financial institutions’ short-term financing interest and long-term financing principal and interest (i.e. deduct

Liabilities of other financial institutions); 3) 5 years for second-class hospitals and up to 8 years for tertiary hospitals, with quarterly equal principal and interest repayments (similar to mortgages); 4) The contract interest rate is 10-50% above the benchmark, with a small amount of handling fees and deposits.

The overall cost flat interest rate is controlled at 20% below the benchmark interest rate - the benchmark interest rate.

Collect information: Introduction to the hospital (including introduction to key departments); practice license; public institution legal person certificate; organization code certificate; hospital rating and certification documents; director’s ID card and resume; loan card and loan card query results; the hospital’s past three years

Audit reports and recent financial statements (including but not limited to: balance sheet, summary statement of income and expenditure (income statement), detailed medical income and expenditure statement); the income costs of each department at the end of the previous year and the recent period printed on-site in the hospital HIS system

Detailed list; print on-site on the hospital system the health statistics form 1-1 at the end of the previous year and the recent health statistics form 1-8 reported to the health department by the hospital (health statistical reports reported directly to the health department, usually in the medical records department or information center

); Provide bank statements of the past three months for basic accounts (usually New Rural Cooperative Medical Insurance and Medical Insurance accounts); Summary of all bank credit, financing status, and financing contracts for long-term borrowings (repayment progress page); List of leased equipment and

Large equipment configuration license; Approval documents for new projects under construction, environmental impact assessment, land, planning and other compliance documents, government financial appropriation vouchers (if any) (2) Private hospital system financial leasing model 1: Private medical group comprehensive credit model transaction core

: The leasing company provides comprehensive credit to private medical groups, and then leases equipment according to the financing needs of the hospitals under the group; the private medical group provides guarantees for the financial leasing business of its hospitals.

Model 2: Private medical group strategic alliance model The core of the transaction: The leasing company establishes a strategic cooperative relationship with the private medical group; leveraging the resource advantages of the private medical group, Minsheng Leasing provides upstream and downstream customers in the medical industry chain, including pharmaceutical factories, consumable factories, equipment factories, etc.

Provide financial leasing business to customers.

Model Three: Public Hospital Restructuring Model Core of Transaction: The leasing company provides financial leasing credit to public hospitals and obtains a certain proportion of equity in the process of transforming public hospitals into private hospitals.

(3) Medical real estate leasing model Model 1: Financial leasing business model Currently, most of the funds invested by private hospitals are in infrastructure. They can use the hospital's own properties for financial leasing, transfer the property ownership to the leasing company, and obtain corresponding compensation based on the current value of the assets.

Proportional working capital, the leasing company obtains stable rental income (approved rent-to-sale ratio). When the lease period ends, the company transfers the property ownership to the lessee.