Research On Financing Leasing Mode Design & Risk Management Of HY Company

In recent years,the service demand and expenditure of domestic medical institutions have been increasing year by year,and the medical service business has entered a new period of rapid growth.Along with the social security reform,equipment periodic renewal,the rise of hospital system reform and the continuous strengthening of state supervision on medical institutions' purchasing activities,the demand of domestic medical institutions for funds will become more and more intense,and the medical equipment industry will present a state of mutual mismatch between demand and funds.Compared with the traditional financing mode,financial leasing has the advantages of simple process,flexible way,early access to benefits and other advantages,which solves the current liquidity problem of hospital funds,and rationalizes the allocation of existing equipment.From the point of view of financial leasing company,this paper studies the pricing design and risk management of medical equipment after-sales leaseback project in A hospital.On the basis of explaining the background and research significance of the topic,this paper forms a literature review and theoretical basis of research by consulting and summarizing the literature.On the basis of introducing the background of the project,this paper makes a detailed analysis of the operation ability and financial structure of A hospital,and carries out a comprehensive evaluation of cash calculation and debt paying ability.Next,we use the prepayment annuity value method to calculate the payment details and the prepayment annuity coefficient of each rent.On the basis of calculating the cost of financing funds and taking depreciation as a straight line method,the details of each period rent,interest,principal and cash flow under the two modes of paying rent at the beginning and the end of the period are obtained respectively.In the chapter of risk and preventive measures,the project risk assessment and control research is carried out according to the idea of risk identification-risk assessment-risk ranking-risk response.Finally,the conclusions and shortcomings of the study are summarized.The development of this paper provides a complete idea for pricing design of after-sales and rent-back products,and demonstrates the potential risk assessment and control research in the process of developing after-sales and rent-back projects,which enriches the research results of domestic medical institutions on equipment after-sales rent.In addition,Hengyuan is a microcosm of the industry group that undertakes the financing lease of medical equipment.Through this case study,the author hopes to explore a general model suitable for domestic financial leasing enterprises to carry out after-sales rental of medical equipment,in order to revitalize the hospital's fixed assets,increase the liquidity of funds,improve the capital structure of the hospital,promote the reform of the system,establish an efficient and diversified financing channels for the hospital,and improve Capital utilization ratio,business productivity and core competitiveness.