Study On Risk Management Countermeasures Of Financial Leasing Of Medical Equipment

In China,most of the hospital was built with the ’50 s and’ 60 s of the last century,because of a shortage of health funds,at present most of the hospital ward not only the old,and still exist in the high-end medical equipment equipped with bigger problems,self-employment income and funding alone is difficult to fill the funds needed for the medical equipment modification,insufficient funds has become the key factor which restrict the development of the hospital in the long run,and medical equipment finance lease is a can be one of the important ways to alleviate this problem.Medical equipment financing lease industry in our country relatively late,the development of market penetration is still in a low level,at the same time,the medical equipment finance lease is also with the prevalence of various risks in the financial services industry,therefore,in the process of medical equipment finance lease,the lessor s interests and directly influence by the lessee,and risk management capability is the financing lease company can achieve long-term stable development of the key factors.Based on this,this article USES literature research,comparative research,case analysis and other research methods,key research under the leasing company perspective,how to effectively control the risk of medical equipment finance lease,and starting from the actual situation,combined with China s health care system reform background,puts forward suggestions to risk management for medical equipment financing lease industry.Through this study,the following conclusions are mainly drawn:first,the development scale and penetration rate of financial leasing of medical equipment in China still lag behind countries and regions such as Europe and America,but the market has broad prospects for development;Second,the difference between the financial leasing industry of medical equipment and other equipment financial leasing is mainly reflected in the following aspects:the leasehold cannot be used as the control point of project risk,the income generated by medical equipment is relatively stable,and the non-profit medical institutions enjoy the tax exemption policy when they buy imported medical equipment.Third,the risk types of financial leasing of medical equipment of leasing companies mainly include operational risk,credit risk,market risk,technical risk and its causes,liquidity risk and risk of leasing assets.These risks are characterized by high risk concentration and easy to cause complex legal problems.Four is X company medical equipment finance lease sales import phase lack of understanding of the market,risk assessment process lack of sensitivity and strictness,lack of asset disposal methods in the process of asset management and other issues,should from the optimized function architecture,improve the project process,operating norms,and improve the lessee assessment,strengthening the management of assets with the bad asset disposal ability,improve standard risk management system,etc.At the end of this paper,the risk management framework design,the overall thinking of risk management and the specific management measures of various types of risks for medical equipment financial leasing companies are designed to provide some references for medical equipment financial leasing enterprises.