医疗融资租赁业务模式汇总（干货推荐）

医疗融资租赁业务模式汇总（干货推荐）大健康产业快速发展的驱动力来源于消费升级和人口老龄化。

In terms of consumer demand，Human needs are nothing more than “food, clothing, housing and transportation”，Birth, old age, sickness and death”，As my country’s per capita nominal GDP exceeds US$6,000，We have basically solved the problems of "food, clothing, housing and transportation"，Residential consumption has entered a period of structural upgrading，Service consumption represented by health will continue to expand，Health consumption demand will increase significantly。

in terms of population，2012The number of elderly people in my country reaches

1. 94100 million，Half of a person’s lifetime medical consumption is concentrated in the two decades after the age of 60。The arrival of the "aging era" will further unleash the market demand for health and wellness and other health industries.。Therefore, we can quickly occupy the market from three major directions.。First, financial leasing of public and private hospitals；The second is relying on financial leasing of medical equipment；The third is financial leasing for pharmaceutical companies and medical service providers。
2. Hospital financial leasing
3. Public Hospital System Financing Leasing The credit system for public hospitals has been relatively complete.，With Erjia as the core，Taking care of tertiary hospitals，Focus on channel development as the main task，Quickly form a large number of excellent rental assets。
4. Admission criteria 1) Class II A (inclusive) and above hospitals；In principle, the annual medical income is more than 100 million yuan；2) The top two at the county level、Top five at the municipal level、Covering a population of more than 400,000；3) Ratio of hospital drug revenue to total annual hospital revenue<50%；4）必须是医院建设及购买设备需求，不得代政府融资及挪用；5）租赁物必须是权属清晰，属于医院所有，没有任何他项权利（包括其他租赁公司租赁物、合作投放设备、抵押设备）；6）租赁物必须有发票，价值认定以医院的固定资产净值为准，不打折；7）融资租赁项目要登记中登网。

8)Credit credit，No additional collateral security is required。

1. Credit scale、Period 1) In principle, the total amount of credit extended to hospital customers shall not exceed 80% of their total income in the previous year.；2) The hospital’s debt repayment sources must cover short-term financing interest and long-term financing principal and interest from all financial institutions (that is, deducting liabilities from other financial institutions)；3) 5 years in Class II A hospital，A maximum of 8 years in a tertiary hospital，Equal quarterly principal and interest payments (similar to a mortgage)；4) The contract interest rate is 10-50% above the benchmark，Small handling fee and deposit，The overall cost flat interest rate is controlled at 20% below the benchmark interest rate - the benchmark interest rate。
2. Collect information for specific plans：Introduction to the hospital (including introduction to key departments)；License to practice；Public institution legal person certificate；Organization code certificate；Hospital rating certification document；Dean’s ID card and resume；Loan card and loan card query results The hospital’s audit reports and recent financial statements for the past three years (including but not limited to：balance sheet，Summary statement of income and expenses (income statement)、Medical revenue and expenditure details) The income and cost details of each department at the end of the previous year and the recent period are printed on-site in the hospital HIS system. The health system 1-1 form at the end of the previous year reported by the hospital to the health department is printed on-site on the hospital system.、Recent health statistics forms 1-8 (health statistical reports reported directly to the health department，Generally, the medical record department or information center provides bank statements of the past three months for basic accounts (usually also new rural cooperative medical insurance and medical insurance accounts) and all bank credit lines.、Summary of financing situation、Financing contract for long-term borrowing (repayment progress page) list of leased equipment and existing large equipment configuration licenses and approval documents for new projects under construction、environmental impact assessment、land、Planning and other compliance documents、Government financial allocation voucher (if any)
3. Private hospital system financial leasing model 1：Private medical group comprehensive credit model transaction core：Minsheng Leasing provides comprehensive credit to private medical groups，Then leasing equipment according to the financing needs of hospitals under the group；A private medical group provides guarantee for the financial leasing business of its hospitals。

Mode 2：Private medical group strategic alliance model transaction core：Minsheng Leasing establishes strategic partnership with private medical group；Leverage the resources of private medical groups

Advantages

，Minsheng Leasing provides services to upstream and downstream customers in the medical industry chain，including pharmaceutical companies、Consumables factory、Provide financial leasing business to customers such as equipment factories。

Mode three：Public hospital restructuring model transaction core：Minsheng Leasing provides financial leasing credit to public hospitals，Obtain a certain proportion of equity in the process of transforming a public hospital into a private hospital。

1. Medical real estate leasing model model one：Financial leasing business model Currently, most of the funds invested by private hospitals are in infrastructure.，Hospital-owned properties can be used for financial leasing，Transfer property ownership to leasing company，Obtain a corresponding proportion of liquidity based on the current value of assets，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.。

Lease term：10years and above，Financial leasing profit model：Stable rental income。(The purchase and sale transfer fee is included in the capital cost) The leasing company is responsible for the maintenance and future operation and management of the property.，You can agree with the hospital to share the hospital's operating profits in a certain proportion in addition to fixed income.。focus：The operating conditions of the hospital itself，Are there any barriers to the sale of medical land?。Transfer taxes and fees。

Mode 2：The operating leasing business model needs to be implemented in chain large private hospitals or specialized hospitals.，The leasing company can combine it with the real estate center to find suitable properties in first-tier cities according to the needs of the hospital (either medical or commercial land can be used). The leasing company will cooperate with private hospitals after purchase.，After the lease period ends, it can be treated as an owned asset and can be continued to be leased or sold out.。

Operating lease profit model：

1. Collect fixed income from rent (calculate appropriate rent-to-sale ratio)；
2. The leasing company is responsible for the decoration and renovation project of the property according to the needs of the hospital (turnkey project)；
3. Property maintenance and future operation management，You can agree with the hospital to share the hospital's operating profits in a certain proportion in addition to fixed income.
4. Risk control measures for asset disposal income after lease expiration：Due to poor management by the lessee、Late or non-payment of rent due to improper fund transfer and other reasons，The control of this kind of credit risk requires that our business personnel must strictly implement the relevant due diligence processes when accepting project applications.，on the hospital’s financial condition、Make prudent assessments and judgments on cash flow status and business development status, especially property value judgments.。

Channel development: The current development level of private hospitals is mixed.，To ensure the steady development of the hospital in the future, we must first bind large chain private hospitals and medical management groups with certain management capabilities.、Large-scale group pharmaceutical companies (listed companies) are involved in high-end physical examination and health management centers, etc.。

At present, the main targets of social medical services are small and medium-sized hospitals, mainly secondary hospitals.，In the future, social medical services will experience a change in hospital scale from small to large.，small hospital、The process of the entry speed of social capital in specialized hospitals changing from slow to fast，Large medical groups will take shape in this process.，Of course, pharmaceutical companies currently entering the medical market through acquisitions and other methods will also usher in a stage of rapid expansion.。

Specialty hospital、High-end rehabilitation hospitals supporting comprehensive public hospitals will be the future development direction of private hospitals。2、Medical equipment financial leasing is based on statistics from the Medical Device Industry Association，2013The annual output value of my country's domestic medical device industry is approximately 150 billion，Imports of medical devices amount to approximately US$15 billion。Imported medical equipment leasing Imported medical equipment has high single value，Good equipment reliability。

However, the equipment manufacturers are all large international manufacturers.，Basically, they don’t bear the responsibility for repurchase.。therefore，The direct leasing model of imported medical equipment and some strong domestic medical equipment manufacturers disperses risk control measures to hospitals and large distributors to a large extent.。

Mode one：The direct leasing business, which mainly leases hospitals, has a smaller financing scale than the leaseback business.，Lease period is shorter，And it has a direct role in promoting the hospital’s income.，Direct leasing business for individual hospitals

Main conditions

as follows：

1. The hospital level is not lower than Class II，Income is controlled at more than RMB 80 million，The asset-liability ratio generally does not exceed 70%；
2. Term 3-5 years；
3. For other conditions, please refer to the credit conditions of Class II hospitals.。

Mode 2：Direct leasing with equal emphasis on large dealers and hospitals. Large dealers have long-term cooperation with hospitals.，and also has certain strength，Played several roles in the transaction。First, the role of channels；The second is the cushioning effect of advance payment on due rent.，Ensure that our company’s projects will not be overdue，At the same time, it also strengthens dealers’ responsibility for continuous communication with hospitals.。

1. The hospital level is not lower than Level 2，Control the income scale at more than 50 million，The asset-liability ratio generally does not exceed 70%；
2. Term 3 years，No more than 4 years under special circumstances，The hospital will not repay principal and interest during the construction period (6-9 months)；
3. Dealers bear unconditional debt repurchase responsibility。Domestic medical equipment leasing model 1：Financial leasing of medical device manufacturers directly finances companies that produce medical devices，To support its expansion of production、Fund transfer and other purposes。

Admission conditions：Top 20 companies by market sales revenue，Its product market share ranks among the top 5，Have stable sales channels。Financing amount：Up to 30% of the sales revenue of the previous year can be given to it. Mode 2：Manufacturer leasing provides financial leasing to its agents and end customers based on the manufacturer's reputation.。Provide a certain amount of credit to cooperative manufacturers，Within the quota, the manufacturer shall bear the final repurchase responsibility for the financial leasing risk.。

Key points of agency model cooperation：-For equipment with a unit value of more than 500,000 yuan, choose the top 5 agents for manufacturer sales and cooperate with agents to provide other repayment guarantee measures. Manufacturer leasing is trivial due to trivial operations.，More participants，Not suitable for the operation of medical devices with low single price，Temporarily propose a unit price of more than 500,000 to start operations，Focus on promoting domestic manufacturers，如国外厂商有机会亦可参照执行（唐誉企业管理-龙熙）。

Mode three：Key points of cooperation in joint leasing model：-Choose a professional leasing company with rich customer resources to provide a buyback guarantee 3、Financial leasing model 1 for pharmaceutical companies and medical service providers：Basic business model–Direct lease and leaseback financing for pharmaceutical companies will be dominated by direct lease，Leasing back as supplement。

Our company’s support customers are concentrated in leading companies in subdivided industries，Most of the companies in this target area are listed companies. Model 2：In addition to the three parties involved in traditional leasing, the high-turnover transaction model，Financial institutions such as banks/interbanks have also been added。

The lessor and the lessee enter into a series of contracts related to the lease，include，financial lease contract、sales contract、guarantee contract、There are also financing contracts between the lessor and the capital provider.，For example：bank、insurance company、trust company、investment fund、Financial leasing, etc.。This type of mode comes with its own blood supply function，Reversal pattern for asset high，That is, during the operation of the pharmaceutical factory project，Factoring/securitizing projects，This model has great impact on project quality

Require

higher。

Mode three：The leasing model of pharmaceutical equipment companies dominates the pharmaceutical industry chain

Advantages

is the largest single unit，The most complete drug chain、Pharmaceutical companies with independent pricing power，In addition, pharmaceutical manufacturing machinery factories are also our potential high-quality customers.。

The model of cooperation with medical device production is the traditional "manufacturer leasing model"，A “two-way development” strategy can be adopted，That is, understanding/marketing pharmaceutical equipment companies through pharmaceutical factory direct leasing projects；Establishing manufacturer model cooperation with pharmaceutical equipment companies，Recommend pharmaceutical clients to us。Target customers include：East Fulong、Chutian、Xinhua Medical、far east pharmaceutical、Nano、Qianshan、Yuan Yue、Canaan、Sadli、Huanan Pharmaceutical。

Collect information：

1. Corporate business license (original and duplicate)
2. Organization code certificate
3. Enterprise tax registration certificate (national tax、local tax)
4. Articles of Association (latest valid version including all amendments)
5. Loan card and password
6. Capital verification report (last issue)
7. Company Profile
8. ID card and proof of identity of the legal representative
9. Audited annual reports and recent financial statements for the past three years
10. Enterprise credit report inquiry information

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