Song Qianqian's industry is a branch of the financial industry, known as large-scale equipment financial leasing.

There must be no stranger to the leasing industry.

The rental books that were all the rage in the 80s of the last century, the rental discs that exploded in the 90s, and the car rental that gradually emerged in the 2000s, including the rental that you must experience when you go to work hard in other places, all belong to the rental industry.

However, this kind of leasing is only a traditional leasing business, and it has nothing to do with the financial leasing engaged in by Song Qianqian.

Financial leasing first emerged in the aviation industry, and then gradually expanded to all walks of life, becoming an extremely important financial product in the real industry. Around 2005, the state relaxed the ban on social capital entering public hospitals, and as a result, the financial leasing of large-scale medical equipment also flourished.

If the hospital is regarded as a physical industry, if you want to develop, it is natural to purchase and purchase medical equipment, which is naturally not a problem for hospitals that are not short of money, but for those hospitals with tight hands, it seems that there is only one way to borrow money.

But how can the bank borrow money so easily?

Even if it can get a loan, the hospital's debt ratio will be a heavy burden.

Financial leasing can solve these contradictions.

To put it simply, financial leasing is that financial institutions pay money to purchase medical equipment needed by hospitals, and then lease them to hospitals for use, and the two sides negotiate how many years the lease term is, eight years, ten years, and twelve years. Finally, at the end of the lease period, the ownership of the equipment will be sold to the hospital for a nominal price of one yuan.

This business model sounds pretty good, but it also has fatal problems.

For example, when Song Qianqian was expanding the Jiangbei market, the high-quality customers she was targeting were naturally the five major family hospitals, which were large in scale and had good benefits, so there was almost no risk after the equipment was put into operation. But on the other hand, those five hospitals are not short of money at all, and they don't need such trouble to buy any equipment, even if they are short of money for a while, there are relationship managers from various banks waiting to issue loans to them.

For those hospitals that really need to purchase equipment in the form of financial leasing, such as district hospitals, financial institutions are worried that their business development will not be enough to pay the lease fees as agreed during the lease period, resulting in a breach of contract dispute, so they are often hesitant to decide whether to put the equipment into use.

Therefore, the equipment financial leasing business for the medical market has only been booming for a while in the first two years of the door, and today, the industry has fallen into a state of withering, and many financial institutions are just reluctant to support the hard-won license.

Lan Yaoxin has been in the medical industry for nearly 20 years, how could he not know about the business of medical equipment financial leasing, but he sat in the position of the head of the medical port in Jiangbei City but never opened his mouth to the hospital below for personal matters, and this time he brought his relatives to Liuquan Hospital for the purpose of helping Liuquan Hospital, which was quite uncomfortable, so he lied that he didn't understand anything.

It doesn't matter if he understands it or not.

The important thing is that Dean Lin, the old fox, understands everything.

That's why there is a casual glance at that business card and the expression changes greatly.

"What kind of parents are not parents?" Lan Yaoxin pretended to be stunned and reprimanded: "How can you Lao Lin be full of feudal thoughts......

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

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

After the joke, the conversation naturally turns to business.

Song Qianqian said: "Dean Lin, please forgive me for my blunt words, in fact, we have done a detailed investigation of your hospital, and from the existing conditions, we can only limit the total amount of equipment we put into the hospital to 5 million yuan." ”

Dean Lin listened, and couldn't help but feel a chill in his heart, 5 million, put aside a month ago, that was a huge amount of money, but today, it is a drop in the bucket.

Lan Yaoxin said with a smile: "How did you Lao Lin become a donkey intestine goods?

Song Qianqian smiled slightly and said, "Yes, Dean Lin, listen to what I say." ”

Dean Lin regained his spirits.

Song Qianqian easily continued: "My uncle, oh, it is Director Lan, he described the bright future of your hospital for us, he vouched for his character, saying that your hospital will be three years at most, even if it can't surpass the five major family hospitals in the city, at least it can be on an equal footing with them." ”

Dean Lin nodded and said, "This is true, this is also our goal. ”

Song Qianqian smiled slightly and said, "However, it is far from enough to have Director Lan's guarantee and your Dean Lin's promise, so in the past two days, we have launched a new round of research in your hospital. ”

Dean Lin asked eagerly, "What ......is the result of the investigation?"

Lan Yaoxin smiled: "You are stupid, if the result is bad, will there be today's meeting?"

Song Qianqian said: "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 5 million to 50 million." ”

50 million?

Dean Lin subconsciously cocked his little thumb and gouged out his ears, did I hear it right?

Song Qianqian nodded her head, and took out a draft contract from her bag, and said: "Three sets of equipment, one CT, one MR, one DSA, the brand model is determined by your hospital, if the required funds exceed 50 million, I think, we should be able to accept the increase of 5 million." ”

Dean Lin hurriedly took over the draft contract and carefully reviewed it, and at the same time responded: "Enough, with a quota of 50 million, even if the handling fee of 20% of the first installment is removed, it is enough to buy those three pieces of equipment." ”

Song Qianqian smiled.

Although it is not accurate for Dean Nalin to be able to say that he can say 20% of the handling fee for the first installment, it can also show that he is a knowledgeable person.

Talking to someone who knows how to do business is naturally much easier than that of a layman.

Lan Yaoxin interjected: "Lao Lin, do you think I have done you a great favor?"

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

Lan Yaoxin then smiled and said, "Then how can you thank me?"

Dean Lin looked up blankly, looked at Lan Yaoxin, and at the same time made a gesture to rub the money, and replied, "I dare to give, do you dare to take it?"

Lan Yaoxin pursed his lips again and again, and said, "What the hell do you want?" I'll just make a request, invite me to eat and drink at noon, and let Wu Hongmei's old lady come over and toast me three glasses in person." ”

Dean Lin said in a big way: "Isn't it just a toast for three glasses, a trivial matter! I'll call Dean Wu." ”