Medical financial leasing business model

Summary of medical financial leasing business model

At present, private hospitals invest most of the money in infrastructure, you can use the hospital's own property for financial leasing, so what are the modes of medical financial leasing business?

1, hospital financial leasing

(a) public hospital system financial leasing

Public hospitals credit system has been more perfect, to the second A as the core, taking into account the third level of hospitals, the main work of the channel development, and the rapid formation of a large number of excellent leasing assets.

(1) access standards

1) Grade 2A (including) or above hospitals; in principle, the annual medical revenue of more than 100 million yuan;

2) County ranked the top two, municipal rankings of the top five, covering a population of 400,000 people or more;

3) The ratio of the hospital's pharmaceutical revenues to the hospital's total annual revenues <50 percent;

4) Must be the hospital construction and purchase of equipment needs, not on behalf of the government financing and misappropriation;

5) leased property must be clear ownership, belonging to the hospital, without any other rights (including other leasing company leases, cooperative placement of equipment, collateralized equipment);

6) leased property must be invoiced, the value of the value of the hospital's net fixed assets shall prevail, without discount;

7)The financial leasing program should be registered in the registration.

8)Credit granting without adding additional collateral guarantees.

(2) credit scale, term

1) the total amount of credit granted to hospital customers in principle does not exceed 80% of its total revenue in the previous year;

2) the hospital's source of debt repayment to cover all financial institutions short-term financing interest and long-term financing principal and interest look (i.e., deducting the liabilities of other financial institutions);

3) five years for the second hospital, the third hospital up to 8 years, quarterly equal principal and interest repayment (similar to mortgages);

4) contract interest rate in the benchmark floated 10-50%, a small amount of fees and deposits, the overall cost plane interest rate control in the benchmark rate floated 20% below the benchmark interest rate - benchmark interest rate.

Collection of information:

Hospital profile (including the introduction of key departments); license to practice; certificate of legal entity; organizational code certificate; hospital rating recognition documents; director's ID card and resume; loan card and loan card query results; the hospital's audit report for the past three years and the recent financial statements (including, but not limited to: balance sheet, summary of revenues and expenditures (income statement), Medical income and expenditure schedule);

In the hospital HIS system printed on-site at the end of the previous year and the recent revenue and cost breakdown of each department;

In the hospital system printed on-site at the hospital to report to the health department at the end of the previous year of the health system 1-1 form, the recent health system 1-8 form (directly reported to the health department of the health statistics report, usually in the case of the Department of Information Center or);

Provide the basic account (generally also the new rural cooperative and medical insurance account) of the last three months of the bank statement;

All bank credit, financing summary, long-term borrowing financing contract (repayment progress page);

Rental equipment list and the existing large-scale equipment configuration license;

New construction in progress project approvals, environmental impact assessment, land, planning, and other compliance documents, government Financial allocation vouchers (if any)

(B) Private hospital system financial leasing

Mode 1: private medical group comprehensive credit model

Transaction core:

Leasing company to private medical group comprehensive credit, and then for the group under the hospital financing needs of equipment leasing; by the private medical group for the financing of the leasing of hospitals under the business to provide security. The company's business is to provide a guarantee for the financial leasing business of its hospitals.

Model 2: Private medical group strategic alliance model

Transaction core:

The leasing company and the private medical group to establish a strategic cooperative relationship; with the resource advantages of the private medical group, the people's livelihood leasing to the medical industry chain of upstream and downstream customers, including pharmaceutical factories, consumables factories, equipment factories and other customers to provide financial leasing business.

Mode 3: Public Hospital Restructuring Mode

Transaction core:

The leasing company provides financial leasing credit to public hospitals, and obtains a certain percentage of equity in the process of restructuring public hospitals into private hospitals.

Mode 1: financial leasing business model

At present, private hospitals invest most of the funds in infrastructure, you can use the hospital's own real estate for financial leasing, transferring ownership of the property to the leasing company, according to the present value of the asset to obtain the appropriate proportion of liquidity, the leasing company to obtain a stable rental income (approved) When the lease term ends, the company will transfer ownership of the property to the lessee.

Lease term: more than 10 years,

Financial leasing profit model: stable rental income. (The sale and purchase of the transfer fee is included in the cost of capital)

The leasing company is responsible for the maintenance of the property and future operation and management, and can agree with the hospital to share the hospital's operating profit in accordance with a certain percentage in addition to the fixed income.

Concerns: the hospital's own operating conditions, whether there are barriers to the sale of medical land; the tax on the transfer.

Mode two: operating lease business model

Chain of large private hospitals or specialty hospitals have the need to land, leasing companies can be in accordance with the needs of the hospital combined with the real estate center in a first-tier city to find suitable property (medical or commercial land can be) leasing companies to purchase and private hospitals to cooperate with the operation of the end of the lease term for its own assets can continue to lease or sell off the processing.

The company's business is to provide the best possible service.

Operational leasing profit model: 1, the fixed income from rent (measured by the appropriate ` rent to sale ratio); 2, the leasing company in accordance with the needs of the hospital is responsible for property renovation and transformation project (turnkey project); 3, property maintenance and future operations and management, and hospitals can be agreed in addition to fixed income in accordance with a certain proportion of the hospital's operating profit to share

(D) lease Asset disposal proceeds after the expiration of the lease period

Risk control measures: Due to the lessee's poor operation, improper liquidity and other reasons for late or non-payment of rent, the control of this credit risk requires that we must strictly implement the due diligence process when accepting applications for the project, and make prudent assessments and judgments on the hospital's financial status, cash flow status and business development, especially on the value of the property. The company has been able to make a prudent assessment and judgment on the financial status of the hospital and its cash flow situation and business development, especially the value of the property.

Channel development

At present, the development level of private hospitals is mixed, to ensure that the future development of hospitals is sound, first of all, bound to a large chain of private hospitals and medical management group with certain management capabilities, large group of pharmaceutical companies (listed companies) involved in high-end medical checkups and health management centers, etc.

At present, the development level of private hospitals is mixed.

At present, the main object of social medical care is to secondary hospitals mainly small and medium-sized hospitals, the future of social medical care will experience a hospital scale from small to large, small hospitals, specialty hospitals, social capital into the speed of the process from slow to fast, and the large medical group will appear in the process of the embryonic form, of course, through the acquisition of pharmaceutical companies and other ways to enter the health care market will also usher in a rapid expansion of the Stage. Specialized hospitals, high-end rehabilitation hospitals for comprehensive public hospitals to do supporting the future development of private hospitals will be the direction.

2, medical equipment financial leasing

According to the Medical Devices Industry Association, in 2013, China's domestic medical equipment industry output value of about 150 billion, imported medical equipment about 15 billion U.S. dollars.

(a) Imported medical equipment leasing

Imported medical equipment monomer value is high, equipment reliability is good. However, the equipment manufacturers are large international manufacturers, basically do not bear the responsibility of repurchase. Therefore, imported medical equipment and domestic part of the strong medical equipment manufacturers of the direct leasing model to a large extent, the risk control measures will be dispersed in the hospital and large dealers.

Mode 1: direct leasing to the lessee hospital-based

Direct leasing business compared to the leaseback business has a smaller scale of financing, the lease period is shorter, and the hospital's revenue has a direct impact on the promotion of the business of direct leasing to a single hospital, the main conditions of the business of direct leasing are as follows:

1, the level of the hospital is not less than the second level of the A, the control of the revenue of more than $ 80 million, the asset-liability ratio is generally Not more than 70%;

2, the term of 3-5 years;

3, other conditions refer to the credit conditions of second-class hospitals.

Model 2: direct leasing with large dealers and hospitals side by side

Large dealers have a long history of cooperation with hospitals and also have a certain strength in the transaction to assume the role of several aspects. First, the role of the channel; second, the cushioning role of the maturity of the rent, to ensure that our project will not be overdue, but also to strengthen the dealers of the hospital's continuous communication responsibilities.

1, the hospital level is not lower than the second level, the revenue scale control in more than 50 million, the gearing ratio is generally not more than 70%;

2, the term of 3 years, no more than 4 years in special circumstances, in the construction period (6-9 months) within the hospital does not pay the principal and interest;

3, the dealer assumes the responsibility of unconditional repurchase of claims.

(B) Domestic medical equipment leasing

Mode 1: Medical equipment production enterprise financial leasing

Direct financing for the production of medical equipment enterprises for the purpose of supporting the expansion of their production, working capital and other purposes.

Conditions of access: market sales revenue rankings of the top 20 former enterprises, the market share of its products ranked the top 5, there are stable sales channels.

Financing amount: up to 30% of the previous year's sales revenue

Mode 2: Manufacturer leasing

Based on the manufacturer's reputation to provide financial leasing to its agents and end customers. For the cooperative manufacturers to give a certain amount of credit, in the amount of the manufacturer of the financial leasing risk by the final repurchase responsibility.

Agent mode

Key points of cooperation: - the value of a single unit of more than 500,000 devices

Select the manufacturer's sales rankings of the top five agents to cooperate

Agents to provide other repayment security measures

Manufacturer leasing due to the operation of the trivial, the participation of more parties is not suitable for a single unit of low-priced medical equipment operation, the tentative proposed a single unit of 500,000 or more! Start operation, focusing on the promotion of domestic manufacturers, such as foreign manufacturers have the opportunity to also refer to the implementation.

Mode 3: Joint Leasing Mode

Key points of cooperation: - Select a professional leasing company with rich customer resources

Manufacturers to provide repurchase guarantees

3, pharmaceutical companies and medical service providers of the financial leasing

Mode 1: the basic business model - direct and leaseback

The pharmaceutical companies financing will be based on direct and leaseback

The pharmaceutical companies will be based on direct and leaseback

The pharmaceutical companies financing will be based on direct and leaseback

Mode 2: High-flow transaction mode

In addition to the three parties involved in the traditional leasing, financial institutions, such as banks/interbanks, have also been added. The lessor and the lessee enter into a series of contracts related to leasing, including, financial leasing contracts, sale and purchase contracts, guarantee contracts, and also the financing contracts between the lessor and the capital providers, such as: banks, insurance companies, trust companies, investment funds, financial leasing, etc.. This type of model comes with the blood supply function, for the asset high-twisting mode, that is, in the process of the operation of the project of the pharmaceutical company, the project factoring / securitization, this model requires a high quality of the project.

Mode 3: Pharmaceutical equipment manufacturers leasing mode

In the pharmaceutical industry chain, the absolute advantage of the largest single unit, the most complete chain of drugs, with independent pricing rights of pharmaceutical companies, in addition to the pharmaceutical manufacturing machinery factory is also our potential high-quality customers. The mode of cooperation with pharmaceutical equipment manufacturers is the traditional "manufacturer leasing model". Manufacturer leasing model? We can adopt the traditional "manufacturer leasing model", "two-way development model" or "two-way development model". Two-way development Strategy, that is, through the pharmaceutical direct leasing program to understand / marketing pharmaceutical equipment companies; and pharmaceutical equipment companies to establish a manufacturer model of cooperation, to recommend us to the pharmaceutical customers. Target customers include: Dongfulong, Chutian, Xinhua Medical, Far East Pharmaceutical, Nano, Qianshan, Yuanyue, Canaan, Sedeli, South China Pharmaceutical.

Collection of information:

1. Business license of enterprise legal person (original and duplicate)

2. Organization code certificate

3. Enterprise tax registration certificate (national tax and local tax)

4. Articles of incorporation (including the latest valid version of all amendments)