文/中国人民银行宝鸡市中心支行课题组

Research center of baoji/the people's bank of China subbranch of a bank

　　自2009年以来，陕西省内银行业金融机构通过多种创新，加大对医疗卫生领域的金融支持力度，成效显著。

Since 2009,Banking financial institutions in shaanxi province through a variety of innovation,Intensify financial support on health care,fruitful.

　　2009年3月,国家《关于深化医药卫生体制改革的意见》以下简称《意见》正式印发执行。三年多来，陕西省银行业金融机构积极贯彻落实《意见》精神，加大医疗卫生领域的金融支持力度，提升金融服务水平，初步改善了各类医疗机构基础设施和诊疗条件，较好满足了医药生产和销售企业的资金需求，推进医药卫生体制改革取得积极进展。

In March 2009,countries[About the opinions of the deepening medical and health system reform]Hereinafter referred to as the[opinion]Officially issued by.For more than three years,Banking financial institutions to actively implement the shaanxi province[opinion]The spirit,Intensify financial support in the field of medical and health care,Enhance the level of financial services,Preliminary improving the infrastructure of all kinds of medical institutions and medical conditions,Better meet the capital requirements of pharmaceutical production and sales enterprises,Positive progress was made in promoting medical health system reform.

　　基本情况 Basic situation

　　从2009年至2012年8月末，在金融机构的支持下，陕西省各类医疗卫生机构基础设施和诊疗条件明显改善，医药生产和销售企业资金较为充实，医疗卫生体制改革取得了积极进展，“看病难、看病贵”的问题得到了初步缓解，间接使人民群众享受到了医改的实惠。

From 2009 to 2012 in late August,With the support of financial institutions,Shaanxi province medical and health institutions of various types of infrastructure and medical condition improved significantly,Pharmaceutical production and sales of enterprise capital are full,Medical and health system reform has achieved positive progress,"The doctor is difficult/See a doctor expensive"Got preliminary relief problems,Indirect makes the people enjoyed the benefits of health reform.

　　金融支持紧扣医改重点领域，结构更趋合理。三年多来，陕西省银行业金融机构累计发放医药类贷款193.79亿元。其中，发放各类医院贷款87.41亿元，占全部医疗类贷款的45%，比医改第一年增加了5个百分点；发放医药生产企业贷款66.97亿元，占全部医疗类贷款的35%，较医改第一年下降了10个百分点；发放医药销售企业贷款39.41亿元，占全部医疗类贷款的20%，比医改第一年也增加了近5个百分点。

Financial support to stick to reform in key areas,Structure more reasonable.For more than three years,Shaanxi banking financial institutions lending for medicine 19.379 billion yuan.Among them,Lending for various hospitals, 8.741 billion yuan,Accounting for 45% of the total medical loans,Than health increased by 5% the first year;Lending for medicine production enterprises, 6.697 billion yuan,Accounting for 35% of the total medical loans,A health reform fell by 10% in the first year;Distribution of pharmaceutical sales enterprise loans 3.941 billion yuan,Accounting for 20% of the total medical loans,Than health care in the first year has increased by nearly 5%.

　　金融支持力度稳步增加，并呈现良好态势。金融机构发放的医疗类贷款，已经从医改第一年的34.75亿元，增长到第三年的52.37亿元，年均增长25%。发放给医药销售企业的贷款增长迅猛，从医改第一年的4.5亿元增长到第三年的11.07亿元，年均增长70%以上。

Financial support will be increased steadily,And present the good situation.Financial institutions lending medical class,From health care reform in the first year of 3.475 billion yuan,Growth in the third to 5.237 billion yuan,Average annual growth of 25%.To issue loans to pharmaceutical sales enterprise is growing rapidly,450 million yuan from health care reform in the first year of growth in the third to 1.107 billion yuan,More than 70% annual growth.

　　公立医院贷款占到全部医院贷款的八成，符合公立医院先改革的政策安排。数据显示，医改以来，在金融机构对医药行业的信贷支持中，医院类贷款已替代医药生产企业贷款跃升至首位。而在全部医院类贷款中，二甲以上公立医院（含县级综合性医院）贷款69.14亿元，民营医院贷款11.86亿元，分别占全部医院贷款的80%和20%。

Public hospital loans accounted for eighty percent of all hospital loans,Conform to the public hospital reform policy arrangement first.According to data,Since the reform,In financial institutions credit support for the pharmaceutical industry,Hospital loans have alternative medicine production enterprise loans jumped to first place.And in all hospital type of loan,Dimethyl above public hospitals(Including the county level comprehensive hospital)Loan of 6.914 billion yuan,Civilian battalion hospital loans 1.186 billion yuan,Accounted for 80% of all hospital loans and 80% respectively.

　　主要做法 Main methods

　　重点满足二甲以上公立医院资金需要，推动其增强容纳能力

Meet the needs of the dimethyl above public hospital money,Increasing its capacity

　　三年多来，陕西银行业金融机构共向二甲以上公立医院（含县域综合性医院）发放贷款69.14亿元，约占全部医院贷款的80%，占全部医疗类贷款的36%。资金主要用于支持改善医院基础设施，包括新建、扩建、维修门诊、住院、医技等用房，引进先进的大型医疗检查设备及药品采购。创建于1911年的西安市红十字会医院，是三级甲等综合性公立医院，是全国三大骨科中心之一。2009年，国开行陕西省分行向该院急救创伤中心建设项目授信2亿元。农业银行(601288,股吧)宝鸡分行与宝鸡市中心医院、中医医院等20户二甲以上医疗卫生机构建立了业务合作关系，累计发放贷款2.8亿元，已成为区域金融同业中支持医疗行业覆盖面最广、业务品种最全、业务规模最大的主流银行。

For more than three years,Shaanxi banking financial institutions to dimethyl above public hospitals(Including county general hospital)Loans 6.914 billion yuan,Accounts for about 80% of all hospital loans,Accounting for 36% of the total medical loans.Money is mainly used to support infrastructure in hospitals,Including new/The expansion of the/Maintenance clinic/Was in the hospital/Medical and other buildings,Introduction of advanced large-scale medical equipment and drugs.Founded in 1911, xi 'an Red Cross hospital,Is the third rate is a comprehensive public hospitals,Is one of the three major orthopaedic centre.In 2009,,CDB to hospital emergency trauma center construction project of shaanxi province branch credit of 200 million yuan.Agricultural bank of China(601288,stocks)Baoji baoji branch and central hospital/Hospital of traditional Chinese medicine and so on more than 20 households dimethyl medical and health institutions to set up the business cooperation relationship,Total loans of 280 million yuan,Has become a regional financial trade coverage of the most widely supported in the medical industry/Business the most complete varieties/The mainstream of business's largest bank.

　　积极扶持民营医疗事业发展，方便群众就近就医 Support the development of private medical enterprise actively,Convenient to the masses nearby go to a doctor

　　针对民营医院发展快，建院初期医疗器材短缺、设备落后，硬件急需补充更新的状况，金融机构积极主动开展信贷支持，实现了群众就医多元化的选择，促进了公立医院和民营医院的良性竞争。医改以来，金融机构累计发放民营医院贷款11.86亿元，虽然在2011年达到3.96亿元的顶峰后有所回落，但仍以每年近10%的速度稳步增长。西安高新医院是一所集医疗、教学、科研、保健、预防为一体的综合性民办三级甲等医院。在西安银行1.4亿元的贷款支持下，该医院迅速发展壮大，成为国内首家获得三级甲等医院称号的民营医院。宝鸡市高新人民医院是新建民办综合医院，设备设施规模高，投资额度大，农业银行宝鸡分行积极推介“医疗设备融资性租赁＋经营性租赁＋银行保险”产品组合，解决了该医院发展的资金难题，有力地支持了民营医院的发展。

For fast development of private hospital,Opened early medical equipment shortages/Poor equipment,Hardware need add the updated status,Financial institutions to actively carry out credit support,Choice of diversifying the masses go to a doctor,To promote the benign competition in public hospitals and private hospitals.Since the reform,Lending for civilian battalion hospital financial institutions is 1.186 billion yuan RMB,Although in 2011 fall after peaking at 396 million yuan,But it is still growing steadily at an annual rate of nearly 10%.Xi 'an high-tech hospital is a collection of medical treatment/teaching/The scientific research/Health care/Prevention is a body comprehensive private level 3 grade a hospitals.In xi 'an bank loans backed by 140 million yuan,The hospital rapidly grow,Become the first domestic private hospital won the award for the level of first-class hospital.Baoji high and new people's hospital is run by the new general hospital,High scale equipment and facilities,Big investment,Baoji branch of agricultural bank of positive recommendation"Medical equipment operating lease financing lease + + bank insurance"Product portfolio,To solve the financial difficulties in the development of the hospital,Strongly support the development of private hospitals.

　　支持龙头医药企业做大做强，增强产业创新能力 Medical support leading enterprises bigger and stronger,Strengthen industrial innovation ability

　　医改以来，金融机构累计为医药生产企业发放贷款66.97亿元，年均增长10%，为医药销售企业贷款39.41亿元，年均增长70%以上。在唯一的国家级农业高新技术产业示范区——杨凌，医药制造业位居当地四大支柱行业之首。农发行杨凌分行为东科麦迪森和华盛生物分别累计发放贷款9900万元、9850万元，工行杨凌分行也为陕西秦龙济康药业累计发放贷款1190万元，满足了医药龙头企业的资金需要。针对汉中市医药科技龙头企业——振华生物科技资金需求量大、抵押品种少、应收账款多的实际，工行汉中分行量身推出“应收账款国内保理”融资业务，多次为其办理应收账款融资，融资金额占应收账款的70%～90%，较好地满足了该企业生产经营需求。陕西怡康医药和西安双鹤物流作为西安两大连锁型医药销售流通企业，其日常采购药品频繁、但每次结算资金较小，浦发银行(600000,股吧)西安分行以银行承兑汇票作为业务品种合作，满足了企业日常的结算需求。

Since the reform,Financial institutions for pharmaceutical production enterprise loans 6.697 billion yuan,Average annual growth of 10%,For the pharmaceutical sales enterprise loan of 3.941 billion yuan,More than 70% annual growth.In the only national agricultural high-tech industries demonstration zone - Yang ling,Pharmaceutical manufacturing industry in the local first of the four pillar industries.Arrived for yangling branch domhke Madison and huasheng biological loans, respectively is 99 million yuan RMB/98.5 million yuan,Icbc branch in yangling for shaanxi qin long kang pharmaceutical loans 11.9 million yuan,Meet the needs of the pharmaceutical enterprises of the money.For grassland, medical science and technology leading enterprises - zhenhua biological technology capital demand big/Less varieties of mortgage/Accounts receivable more practical,Hanzhong branch of icbc tailored"Accounts receivable factoring in China"Finance business,To deal with account receivable financing for its many times,Accounted for 70% ~ 90% of accounts receivable financing amount,Better meet the demand of the enterprise production and business operation.Shaanxi xian yi kang pharmaceutical and ShuangHe logistics as xi 'an two type chain pharmaceutical sales circulation enterprises,The daily purchasing drugs frequently/But each time the settlement funds,Shanghai pudong development bank(600000,stocks)Xi 'an branch of the bank acceptance as varieties of business cooperation,Meet the demand of the enterprise daily settlement.

　　主动实施多项优惠措施，不断提升水平金融服务 A number of preferential measures actively,Rising level of financial services

　　一是对优质客户执行基准或优惠利率。金融机构对约1/3的优质客户执行基准利率，甚至还稍有下浮，对其余2/3的客户根据规模、信誉、生产经营、技术实力等综合评价后，利率执行上浮10%～30%。如中国银行(601988,股吧)延安分行对优质客户甚至发放过基准利率下浮10%的优惠利率贷款。中国银行安康分行对安康康元医药有限公司的短期贷款执行基准利率上浮10%的政策。

A customer is on the high quality of performance benchmarks or preferential interest rates.Financial institutions for about a third of the customers with high quality benchmark interest rates,Even a bit down,According to the size of the remaining two-thirds of customers/credibility/The production and business operation/Technical strength, etc. After comprehensive evaluation,Interest rate rise 10% ~ 30%.Such as bank of China(601988,stocks)Yan 'an branch for premium customers even distribution of benchmark interest rate down to 10% of the preferential interest rate loans.Bank of China, ankang branch of AnKangKang yuan pharmaceutical co., LTD. Short-term loans benchmark interest rates to rise 10% in the policy execution.

　　二是担保方式灵活多样，除了医疗卫生领域传统的保证担保方式外，金融机构已逐渐开发出应收账款质押、联贷联保、商标权质押、知识产权质押、混合型担保（土地抵押、股权质押、知识产权质押和收费权等专项权质押）、国内保理等灵活新颖的担保方式。如浙商银行西安分行针对部分医院的s上游药品供应商因资产较小，无法通过传统金融产品模式支持的实际情况，专门开发出了有追索权隐蔽型国内保理融资业务模式。2012年6月，在陕西华信医药有限公司10000万元的授信中，采取了该种业务模式，目前已取得了较好效果。

2 it is to assure means flexible,In addition to the traditional way of guarantee guarantee outside the health care field,Financial institutions have gradually developed the pledge of accounts receivable/Syndication of group/Trademark rights pledge/Intellectual property rights pledge/Hybrid guarantee(Mortgage of land/Equity pledge/Intellectual property rights transferor and other special and pledge of rights pledge)/Domestic factoring flexible new way of guarantee, etc.Such as zheshang bank xi 'an branch for part of the hospital s drug upstream suppliers for assets is smaller,Can't through the traditional model of financial products to support the actual situation,Specially developed with recourse YinBiXing domestic factoring financing business model.In June 2012,In shaanxi in 100 million yuan of credit huaxin pharmaceutical co., LTD,Take this kind of business model,Has achieved good effect.

　　三是简化小型医疗企业贷款流程。邮储银行安康分行对小型医药销售企业和小型诊所，采用联名担保和财产抵押的方式解决其贷款难问题，流程简单、平均在1周到2周就可以办理。农行榆林分行按照“小企业简式贷款”产品形式，累计向县级医院、中心乡镇卫生院、城市社区卫生服务中心等小型医疗机构提供贷款8200万元。

Three is to simplify small medical business loan process.Post office bank ankang branch of small pharmaceutical sales enterprise and small clinics,Adopt the way of joint mortgage of property guarantee and solve its loan difficult problem,The process is simple/Average in 1 week, 2 weeks can go through.According to agbank yulin branch"Short form small business loans"Product form,Cumulative to county hospital/Centers in towns and townships/City community health service centers and other small medical institutions to provide loans to 82 million yuan.

　　四是提升金融服务水平。三年多来，金融机构在全省各类医疗机构布放POS机10287台，安置ATM机637台，金融机构日均调运现金近6000万元，累计开展人民币反假宣传培训429次，极大方便了群众支付结算，较好地防范了假币在医疗卫生领域的使用流通。解放军第三医院是全军神经外科定点诊疗部队三甲医院，农业银行宝鸡分行以军人公务卡和保障卡营销为抓手，整合POS收单、贵宾体检卡、上门收款等产品服务，优化了金融服务环境。建行陕西省分行与第四军医大学西京医院联合推出健康龙卡，凭借该卡，患者可以轻松享受在医院预约挂号、电子病历档案管理、医院缴费、检查、治疗和取药等多项医疗服务，保证了患者就诊资金安全，缩短了就诊时间。

Four is to improve the financial service level.For more than three years,Financial institutions in the province of all kinds of cloth POS 10287 medical institutions,Put 637 ATM machines,Financial institutions daily dispatching nearly 60 million yuan in cash,Conducting RMB does propaganda and training 429 times,Has greatly helped the masses pay settlement,Better to prevent the circulation of the use of counterfeit money in the field of medical and health care.Is all the people's liberation army third hospital neurosurgery fixed point medical units 3 armour hospital,With military duties by baoji branch of agricultural bank card and security card marketing for the gripper,Integration of POS charge list/VIP medical card/Products such as door to door service,Optimize the environment of the financial services.CCB shaanxi branch and xiking hospital, fourth military medical university joint health dragon,Depending on the card,Patients can easily enjoy the make an appointment at the hospital/Electronic medical records management/The hospital pay cost/check/Treatment and medical services, medicine, etc,Ensure the safety of the funds to the patient,Shorten the time.

　　（课题组成员为徐栋、蒋晓红、张伟锋）

(For Xu Dong team members/Jiang Xiaogong/Zhang Weifeng)