摘要
中国医疗行业的快速发展为医疗机构先进医疗设备引入与基础设施建设提供了
巨大市场需求,也为融资租赁业务在中国的发展提供了可观的市场空间。随着新医疗
体制改革的深化,医疗机构资金短缺现象普遍存在,并对设备的更新提出了新的要求,
医疗机构的布点密度加大也是不争的事实。医疗机构在发展过程中存在的资金缺口,
仅靠来自银行的间接融资是无法满足的。而融资租赁的引入适逢其时,提供了一种可
行的融资路径,并在相当大程度上支持了医疗行业的快速发展;另一方面,随着我国
医疗行业融资租赁业务的不断扩大,其所蕴藏的风险也随之扩大。

国内医疗行业融资租赁发展中存在的风险,如无有效风险防范机制,有可能演化成系
统性金融风险,进而影响医疗行业本身的有序发展。因此,建立前瞻性的风险识别与
预警机制,强化融资租赁过程中的风险控制制度,强化外部项目风险管理手段,尤为
必要。

论文简介了融资租赁的理论概念以及分类特点,并通过归纳国内医疗租赁发展现
状与业务模式,梳理出在新医改背景下医疗行业融资租赁的特点、发展趋势、租赁方
案、交易结构以及融资操作程序,等等;剖析了医疗行业融资租赁风险产生机制以及
风险类别,g卩:政策性风险、管理决策风险、偿还能力风险、抵押担保风险、流动资
金贷款风险;并针对不同风险,提出了各种风险在风险评估、风险控制等方面具体的
措施,提出医疗风险管理防范措施与实务指引,指出我们需要在客户资质、项目资质
以及资信材料等三方面进行仔细审核。

论文围绕实际案例,从融资租赁公司视角出发,探讨并总结了某营利性承租医院
在现实条件下运用融资租赁模式购买设备的具体偿付情况以及该项目的风险控制要
素。最后给出关于如何加强整个医疗行业融资租赁风险管理的策略建议,即构建融资
租赁风险监测预警补救体系、完善医疗业融资租赁项目风险的内部管理与外部监控以
及加大融资租赁业务的业务创新,进而从宏观的角度给予医疗行业融资租赁风险控制
以策略性的建议。

关键词:融资租赁;医疗行业;风险拄制
Abstract
With the rapid development of the medical industry, there are fast growing needs
among medical institutions to update their equipments and infrastructure. During the
process of furthering China's new medical system reform, it is not uncommon that medical
institutions fail to update their facilities in time and further expand for shortage of capital.
Financial leasing is the very new financial method to solve this problem. On the other hand,
as the financing and leasing business of China's medical industry is expanding constantly,
the risks it bear amplify accordingly.
Risk management of the financial leasing of the medical industry is one core of a
financial leasing company. The financial leasing of the medical industry has both the
features of finance and industry, which determines that the whole working process of
medical projects, involves the risks of financial leasing programs. For financial leasing
companies of the medical industry, the priority is to have a profound understanding of the
features of financial leasing and its corresponding risk features, establish a sound
mechanism to screen, control and manage risks, perfect the risk control system of internal
projects,and improve the risk management methods of external ones.
This paper introduces the theoretical concepts and the classification characteristics of
the financial leasing, and, through summarizing the development status and China's
medical leasing business model, combs the characteristics, development trends,leasing
schemes, deal structures and operating procedures of financing, etc. of the medical
industry's financing and leasing business during the new medical reform. It dissects the
generating mechanism and types of the risks in the financing and leasing business of the
medical industry, namely, policy risks,risks of management and decision-making,
solvency risks, collateral risks as well as working capital loan risks. Regarding varied risks,
it advances concrete measures on the assessment, control of risks,etc.,as well as
precautions and practical guidance on medical risks management, and points out the
necessity of a close examination of customer qualifications, project quality and
creditworthiness. The paper finally gives strategic suggestions on how to strengthen the
。。。