I'm a god of medicine

Chapter 594 Isn't it just three toasts?
The industry Song Qianqian is engaged in is a branch of the financial industry, called large-scale equipment financial leasing.

No one is unfamiliar with the business of leasing.

Book rental was all the rage in the 80s of the last century, disk rental was so popular in the 90s, and car rentals that gradually emerged in the 2000s, including renting houses that must be experienced when going to work in other places, all belong to the rental business.

However, this kind of leasing is just a traditional leasing business, just like Song Qianqian!The financial leasing engaged in is simply irrelevant.

Financial leasing first emerged in the aviation industry, and later gradually expanded to all walks of life, becoming an extremely important financial product in the real industry.Around [-], the state relaxed the prohibition on the entry of social capital into public hospitals, so the financial leasing of large-scale medical equipment also flourished.

If the hospital is regarded as a physical industry, the purchase of medical equipment is a must for development. This is not a problem for hospitals that are not short of money, but for those hospitals that are short of cash, it seems that the only way to borrow money is to borrow money. .

However, how can the bank's money be so easily obtained?

Even if the loan can be obtained, the debt ratio of the hospital will be a heavy burden.

And financial leasing can just solve these contradictions.

To put it simply, financial leasing means that financial institutions pay for the medical equipment needed by the hospital, and then lease it to the hospital. That is to say, different rental fees are calculated for different periods.Finally, when the lease expires, the ownership of the equipment will be sold to the hospital at a symbolic price of one yuan.

This business model sounds pretty good, but there are also fatal problems.

For example, when Song Qianqian was expanding the Jiangbei market, the high-quality customers she focused on were naturally the five family hospitals. These five hospitals are large in scale and have good benefits, so there is almost no risk after the equipment is put into use.But on the other hand, the five hospitals are not short of money at all, and they don't need to be so troublesome to buy some equipment. Even if money is tight for a while, there are customer managers from various banks waiting to grant them loans.

For those hospitals that really need to purchase equipment through financial leasing, such as district hospitals, financial institutions are worried that their business development is not enough to pay the lease fee within the lease period, which will lead to contract breach disputes, so they often hesitate when deciding whether to invest in equipment. decision.

Therefore, the equipment financing leasing business for the medical market only flourished for a while in the first two years when the door was first opened. Today, this business has fallen into a state of withering, and many financial institutions are just reluctant to part with the hard-won one. The license plate was struggling to survive.

Lan Yaoxin has worked in the medical industry for nearly 20 years, so how could he not know about the business of medical equipment financing leasing? However, he was sitting in the position of the director of Jiangbei City's medical department, but he never complained to him about his personal affairs. The hospital below had spoken before, but this time for the purpose of helping Liuquan Hospital, it was a little uncomfortable to bring my relatives to Liuquan Hospital, so they lied that they didn't understand anything.

Whether he understands or not is not important.

The important thing is that Dean Lin, an old fox, knows everything.

That's why there was a sudden change in expression when he casually glanced at the business card.

"Why are parents not officials?" Lan Yaoxin pretended to be annoyed, and reprimanded: "How can you, Lao Lin, be so full of feudal thoughts..."

Dean Lin reacted very quickly, and immediately changed his words: "Yes, yes, it should be a public servant, a public servant of the people!"

Lan Yaoxin laughed loudly and said, "That's right."

After joking, the topic naturally turned to business.

Song Qianqian said: "Dean Lin, please forgive me for being outspoken. In fact, we have already conducted a detailed investigation of your hospital. Judging from the existing conditions, we can only limit the total amount of equipment put in to 500 yuan. Within ten thousand yuan."

Dean Lin couldn't help feeling cold when he heard this, 500 million, three months ago, that was a huge sum of money, but today, it seems like a drop in the bucket.

Lan Yaoxin laughed and said, "Why did you, Old Lin, become such a donkey? Listen to Qianqian and finish her sentence!"

Song Qianqian smiled slightly and said, "Yes, Dean Lin, listen to me."

Dean Lin cheered up again.

Song Qianqian said easily: "My uncle, oh, is director Lan. He described the bright future of your house for us. He used his character as a guarantee, saying that your house will last for three years at most, even if it can't surpass the five major families in the city. Hospitals, at least, are on an equal footing with them."

Dean Lin nodded and said, "This statement is true, and this is exactly our goal."

Song Qianqian smiled slightly and said, "However, director Lan's guarantee and your Dean Lin's promise are not enough. Therefore, we have launched a new round of research on your hospital in the past two days."

Dean Lin asked eagerly: "The result of the investigation is..."

Lan Yaoxin smiled and said: "You are stupid, if the result is bad, will we still meet today?"

Song Qianqian followed up: "Yes, we finally believe that Director Lan's guarantee commitment should be a high probability event, so we are willing to share the risk with your hospital and increase the financing amount from 500 million to 5000 million."

5000?
Dean Lin raised his little finger subconsciously and dug his ear. I heard it right, right?

Song Qianqian nodded firmly, and took out a draft contract from her bag, saying: "Three sets of equipment, one CT, one MR, and one DSA, the brand and model will be determined by your hospital. If the required funds exceed 5000 million , I think we should still be able to accept a 500 million increase.”

Dean Lin quickly took over the draft contract and reviewed it carefully, and at the same time replied: "That's enough, with a quota of 5000 million, even if the initial 20.00% handling fee is removed, it is enough to buy those three devices."

Song Qianqian smiled knowingly.

If Dean Lin can say the first 20.00% handling fee, although it is not accurate, it can also show that he is a knowledgeable person.

Talking about business with a knowledgeable person is naturally much easier than a layman.

Lan Yaoxin interjected: "Old Lin, do you think I've done you a big favor?"

Dean Lin buried his head in the contract, and replied casually: "Of course, of course it helped a lot."

Lan Yaoxin then laughed and said, "Then how should you thank me?"

Dean Lin raised his head in a daze, looked at Lan Yaoxin, and at the same time made a gesture of rubbing money, and replied: "I dare to give it, do you dare to accept it?"

Lan Yaoxin curled his lips repeatedly, and said, "What the hell are you thinking? I'll make a request directly, invite me to dinner and drink at noon, and let that old lady Wu Hongmei come over and toast me three glasses in person."

Dean Lin Bao Dalan said: "Isn't it just a toast for three cups, it's a trivial matter! I'll call Dean Wu right away."

(End of this chapter)