Core Viewpoint - The article discusses the financing difficulties faced by small and medium-sized medical enterprises and presents four practical supply chain financing models as solutions to alleviate these challenges [1]. Group 1: Inventory Financing - Inventory financing allows medical companies to convert their stock into liquid funds, particularly beneficial for consumables and pharmaceuticals [3]. - The front-end procurement model enables companies to purchase goods with the help of financing partners, requiring only a 20% deposit while the rest is covered by the financier [3]. - The dynamic pledge model allows companies to pledge their inventory to obtain approximately 70% of its value in loans, providing flexibility in sales during peak seasons [5]. Group 2: Accounts Receivable Financing - The accounts receivable financing model addresses the slow cash flow due to hospital payment terms, allowing suppliers to transfer their receivables to a financing platform for immediate cash [7]. - This model can significantly speed up the funding process, with some transactions completed in as little as one hour, improving efficiency by 90% compared to traditional methods [9]. - The model emphasizes the importance of assessing the payment capabilities of hospitals to ensure the reliability of the financing [9]. Group 3: Joint Venture Profit Sharing - The joint venture profit-sharing model involves shared risk and profit between the financing partner and the medical enterprise, with the financier covering 80% of the costs [11]. - This model requires close collaboration and transparency between the parties, ensuring that funds are used appropriately and that profit-sharing agreements are clear [13]. - It is particularly suitable for projects with high profits but long payment terms, such as medical equipment procurement [11][13]. Group 4: Future Outlook - The article concludes that traditional credit methods are not the only option for medical enterprises, and supply chain financing offers adaptable solutions [15]. - With advancements in financial technology, these financing models are expected to become more accessible, enabling companies to manage their operations effectively and overcome funding challenges [15].