AMWBUP :: Volume #3

#211: Startled day case

LNMTL needs user funding to survive Read More

This is a private pharmaceutical company, loans 10 to the asset management corporation of Yan Ran/sweet practice hundred million, the deadline is two years. 这是一家民营的医药公司,向嫣然实习的这家资产管理公司贷款十个亿,期限是两年。 But the asset management corporation was let to an account receivable of third class grade-A hospital this pharmaceutical company has, the pharmaceutical company transfer the fund of obtaining to be used to supplement the floating capital. 而资产管理公司受让这家医药公司持有的对一家三级甲等医院的应收账款,医药公司将转让所取得的资金用于补充流动资金。 Due time, debtor third class grade-A hospital according to contract agreement due repayment account receivable, if third class grade-A hospital due is unable to repay the account receivable, that this pharmaceutical company will fulfill the duty of buy-back. 到期的时候,债务人三级甲等医院会按照合同的约定到期偿还应收账款,如果三级甲等医院到期无法偿还应收账款,那这家医药公司会履行回购的义务。 Yan Ran/sweet carefully looked, sees the material that from the transaction architecture design and surface of project, has probably no major problem, the credit of third class grade-A hospital generally is very good, had not heard situation that the third class grade-A hospital can break a contract, that present only issue lies in the account receivable is whether real. 嫣然仔细看了看,从项目的交易架构设计以及表面上看到的资料来说,好像没有什么大的问题,三级甲等医院的信用一般都是非常好的,还从来没有听说过三级甲等医院会违约的情况,那现在唯一的问题就在于应收账款是否是真实的。 The medicine circulation industry the medicine producer from upstream purchases the drugs at present or is the medical instrument, wholesales the industry of downstream terminal hospital again, but is continues the upstream medicine manufacturing enterprise and important part of downstream terminal link in the middle- pharmaceutical company, but this private pharmaceutical company connects the tie between upstreams and downstreams. 医药流通行业目前是从上游的医药生产商采购药品或者是医疗器械,再批发到下游终端医院的行业,而在中间是承接上游医药生产企业和下游终端环节的一个重要部分-医药公司,而这家民营的医药公司就是连接上下游之间的纽带。 Yan Ran/sweet further analyzes from the entire industry, she online searched a lot of materials, discovered: In the new medical reform acceleration advancement as well as under drive of resident cost of living index improvement, the national medicine circulation industry market scale rapid growth, is far higher than the same time average world growths. 嫣然进一步从整个行业进行分析,她在网上查找了大量的资料,发现:在新医改加速推进以及居民生活指数提升的带动下,全国医药流通行业市场规模快速增长,远高于同期的世界平均增长率。 But the medicine retailing enterprise according to district distribution, can be divided into the national retailing enterprises and regional retailing enterprise two types, but this private pharmaceutical company it clearly is the regional retailing enterprise very much. 而医药分销企业按照区域分布情况,可以分为全国性的分销企业和区域性的分销企业两种,而这家民营的医药公司它很明显是属于区域性的分销企业。 Now the policy of country is to encourage the pharmacy circulation, the enterprise through the mergers and reorganization, listing financing, the issue debentures and other means builds stronger and bigger, speeds up realizing the formalization intensification and modernized operation, the country also has a goal to propose that such and such years must cultivate to form a number of networks to cover the nation, the intensified and informationization degree high big pharmacy circulation enterprise. 现在国家的政策是鼓励药品流通,企业通过兼并重组,上市融资,发行债券等多种方式做强做大,加快实现规模化集约化和现代化经营,国家也有个目标提出到某某年要培育形成一批网络覆盖全国,集约化和信息化程度较高的大型药品流通企业。 Yan Ran/sweet draws a conclusion, the country is encourages to support, must promote the increase of market concentration degree. 嫣然得出一个结论,国家是鼓励支持的,要促进市场集中度的提升。 But regarding the pharmaceutical industry, with the economic development and speeding up of aging of populations of advancement national, the medicine circulation market outlook is broad, the sale of drugs is mainly primarily hospital and other terminals to sell. 而对于医药行业来说,随着全国的经济发展和人口老龄化进程的加快,医药流通市场前景广阔,药品的销售主要以医院等终端销售为主。 It seems like this business in the national policy level and pharmaceutical industry, is a very prosperous business. 看来这项业务在国家政策层面以及医药行业内,都是一项很欣欣向荣的业务。 Yan Ran/sweet discovered a unique element: The pharmacy circulation is implements „two ticket systems”. Namely the drugs sell to the circulation enterprise to write receipt from the manufacturing enterprise a time a time, the circulation enterprise sell to the medical institution to write receipt again, this is the important policy that across the country on the pharmacy circulation link implements, carrying out of two ticket systems, can reduce the drugs the distribution link, has reduced the behavior of ticket and money laundering, finally gradually cuts the drug price. 嫣然又发现了一个特殊之处:药品流通是实行“两票制”。即药品从生产企业销往流通企业开一次发票,流通企业销往医疗机构再开一次发票,这是在全国范围内药品流通环节上推行的重要政策,两票制的推行,可以缩减药品的流通环节,减少过票、洗钱的行为,最终将药价逐渐降低。 It seems like the regulation of industry is quite strict. 看来行业的监管还是比较严格的。 At present the national 80 drugs sales, complete two ticket systems through the medical institution, has carried out basically, after medicine two ticket systems, the pharma representative business must conduct the base price to transfer tall open/start the operation. 目前全国有80的药品销售,均通过医疗机构完成两票制,已基本执行完毕,医药两票制后,医药代理商必须进行底价转高开的操作。 But this private pharmaceutical company, its registered capital scale has about 5 hundred million, the business scope is engaged in the medicine wholesale distribution business mainly. 而这家民营的医药公司,它的注册资本规模有将近五个亿,经营范围主要是从事医药批发配送业务。 In completely adjusted in the report also to write his major stockholder and actual control person with emphasis. In establish these years, the main business model of company through to the middle and upper reaches medicine manufacturing enterprise purchase drugs, to the downstream hospital distributor and pharmacy sale drugs, obtained the price difference of sale. 在尽调报告中也重点写了他的大股东和实际控制人。在成立的这几年当中,公司的主要经营模式是通过向中上游医药生产企业采购药品,在向下游医院分销商和药店销售药品,从中获得销售的差价。 According to completely adjusts the report and investigative report showed, this pharmaceutical company rented one about 10,000 square meters warehouse, has 20 special-purpose drugs with the delivery truck, escorts to each region in region the drugs, in the local region, this pharmaceutical company is in the lead in the drugs wholesale business. 根据尽调报告及审查报告显示,这家医药公司租用了一个一万平方米左右的仓库,拥有20辆专用的药品配送车,将药品送往区域内的各地,在当地区域内,这家医药公司在药品批发企业中是处于龙头地位的。 According to the spot investigation of inspector, the drugs warehouse in this company is the free warehouse late processing that rents transforms, altogether 4 buildings, at that time the scene in the inspection, temperature below 20 degrees, there is a monitoring control unit of temperature. 根据审查员的现场调查,这家公司的药品仓库是租用的普通仓库后期加工改造而成的,一共有四层楼,当时现场在查验的时候,库里的温度在二十度以下,有温度的监控装置。 At that time about 15 special-purpose drugs before the warehouse with delivery truck, two distributed the vehicles for cold Lian, the inspector did not have the drugs situation in detailed description freezer storage in the report, but was explained that the regulatory system of system and country of warehouse was the networking, drugs the storehouse went into storage needs to input the regulatory system of country, has realized the entire process electron regulation to drugs, the conclusion that therefore the inspector drew was, it is estimated that the warehouse drugs goods value had about 100 million Yuan. 当时在仓库前大约有15辆左右的专用药品配送车,其中两辆为冷链配送车辆,审查员在报告中没有详细描述冷藏库里的药品情况,而是说明仓库的系统和国家的监管系统是联网的,药品的出库入库都需要录入国家的监管系统,已经实现了对药品的全过程电子监管,所以审查员得出的结论是,据估计,仓库药品货值大约有1亿元。 Yan Ran/sweet had the question to two things here ; first, how do the goods value approximately 100 million Yuan of drugs estimate? Second, if the inspector has not entered in the freezer storage, how that determined that in also had to lay aside many drugs? 嫣然在这里对两件事情产生了疑问,一是药品的货值约1亿元是如何估算出来的？第二如果审查员并未进入冷藏库里,那如何确定里面也有放置了很多的药品？ But the main downstream of private hospital is a comprehensive public Sanjia Hospital, the financial statement of Sanjia Hospital can see that asset quality is good, the debt mainly deals with drugs, without the rigid debt, the earning scale is big, the medical surplus grows year by year, payment ability. 而民营医院的主要下游是一家综合性的公立三甲医院,三甲医院的财务报表可以看出资产质量良好,负债主要是应付药品款,没有刚性负债,营收规模较大,医疗结余逐年增长,偿付能力强。 Performs to adjust report last appraisal that analyzed the fund use and financing scale, the appraisal of actual control person capacity to guarantee. 尽调报告最后一段分析了资金用途和融资规模的评估,还有实际控制人担保能力的评估。 Here is only fuzzy one has brought, is a very obvious questionable point. 这里只是模糊的一笔带过,也是一个很明显的疑点。 The effect of this matter on entire asset management corporation is also big, the management of CPA industry department even comes to inspect immediately, but the company formed one special case team, but Yan Ran/sweet takes the intern, is idler one, in everyone very busy time, she took the overcoming hand personnel of special case team. 这件事对整个资产管理公司的影响也非常大,行业监管部门甚至都立即上门来检查,而公司内部更是成立了一个专案组,而嫣然作为实习生,属于闲人一个,在大家都非常忙的时刻,她就作为了专案组的打下手人员。 Yan Ran/sweet raised the head from the record, she looks that Sister Hua is not on the seat, she goes out looks, discovered that tea within Sister Hua is meeting the water, her is glassy-eyed, the laying aside is operating the canteen following teacup to full floaded operation, water also keeping flows outward. 嫣然从案卷中抬起头来,她看着华姐已经不在座位上,她出门找了找,发现茶水间里华姐正在接水,她的目光呆滞,放置在开水壶下面的茶杯早已灌满,水还在不停的往外流。 Yan Ran/sweet hurries, helping Sister Hua switch off the switch, saying of comfort: „Sister Hua, no rush, we tries to find the solution again.” 嫣然赶紧走上去,帮华姐关掉了开关,安慰的说道:“华姐,别急,我们再想想办法。” Sister Hua sees is the Yan Ran/sweet firm and chilly eyes, as if found the object who can pour out, both eyes with tears, held Yan Ran/sweet to cry. 华姐看见是嫣然坚定而清冷的双眼,仿佛找到了一个可以倾诉的对象,双目含泪,抱着嫣然就哭了起来。 Yan Ran/sweet anything had not said, is patting Sister Hua's back like this , helping her comfort one by one. 嫣然什么也没说,就是这样拍着华姐的后背,一下一下的帮她安抚着。 Sister Hua having no interest works at this time radically, she drew Yan Ran/sweet to sit to a small conference room, the phonograph opened: „ Yan Ran/sweet you said me to be hapless, this matter did not have with my nickel relations, one day, damn next door that person has the matter temporarily, making me follow to sign a contract, I think that these things have examined, I helped make the surface bamboo slip, can have what matter? Finally how you know, on that day that two people were quite strong, our request examines the ID card and work identification, the two entire journey gets angry, owes them to resemble like us, looked at to us the ID card with great difficulty, impatient received, at that time I want to record that two people not to let the record, I recorded covertly. Never such aggrieved, afterward I telephoned to next door that person, he me told that the pharmaceutical industry is this, what people are asking them, the person in this hospital definitely is best, daily has countless people to ask them to help, can receive is good. 华姐此时根本就无心工作,她拉着嫣然到了一个小会议室坐着,话匣子打开:“嫣然你说我倒不倒霉,这件事情本来跟我半毛钱关系都没有,就是有一天,该死的隔壁那人临时有事,让我跟着去签了个合同,我想吧,这些事情都已经审查完毕了,我就去帮忙做个面签,难道还会出什么事儿吗？结果你知道怎么着,那天那两个人相当强势,我们要求验身份证和工作证,那两人全程黑着脸,就像我们欠他们似的,好不容易把身份证给我们看了一下,就不耐烦的收回去了,当时我想录像那两个人根本就不让录,我还是偷偷摸摸的录了下来。从来没有这么憋屈过,后来我打电话给隔壁那人,他跟我说医药行业就是这样,什么人都求着他们,这医院的人肯定是最牛的,天天有无数的人要来求他们帮忙,能接待就不错了。 I do not have the means that has to come back, but I also paid attention the eye at that time, after coming back, in the appraisal meeting, said this matter some fishy with them, but without thinking of the people of these appraisal meetings does not know how to do, afterward unexpectedly also really put to him. ” 我也没办法,只好就回来了,不过我当时还留了个心眼,回来之后就上了评审会,和他们说了这事儿有些蹊跷,可是没想到那些评审会的人不知怎么搞的,后来居然还真就给他放了款。” Yan Ran/sweet was stranger, appraisal meeting had not said that verifies to the scene again one time? 嫣然更奇怪了,评审会的没有说再到现场去核实一次吗？ „I heard afterward they went, probably used any alternative scheme. How many pulled out from these account receivables, making them first also come in money, this is next door that person operates personally, his present person also disappears, now recalled that was too fearful, is in cahoots? I by their pit, this matter noisily was been big, but must be imprisoned.” Said that Sister Hua wū wū cried. “我后来听说他们又去了,好像采取了一个什么替代方案。从那些应收账款里面抽了几笔,让他们把钱先还进来,这都是隔壁那人亲自操作的,他现在人也不见了,现在回想起来太可怕了,难道是串通好的？那我岂不是被他们坑了,这个事情闹大了,可是要坐牢的。”说完华姐又呜呜的哭了起来。 Yan Ran/sweet understood what is heard, Sister Hua helped sign a contract, the questionable point of discovery had also reported to the company, she comforted her saying: „Sister Hua, at this matter I thought that you have no responsibility, they will not fall all responsibility on your head, most mainly next door that examines the person of project specifically.” 嫣然听明白了,华姐只是帮忙去签了个合同,发现的疑点也向公司汇报过了,她安慰着她说:“华姐,在这件事情上我觉得你没有什么责任,他们也不会把所有的责任都落在你的头上,最主要还是隔壁那个具体审项目的人。” „Sister Hua, you know how they confirm the account receivable authentic?” “华姐,你知道他们怎么去验证应收账款的真实性的吗？” „I heard that they confirmed the receipt contract, storehouse only these?” “我听说他们去验证了发票合同,还有出库单这些？” „Haven't they arrived at the hospital to confirm?” “他们没有到医院去验证吗？” „In this is I thought that biggest problem, they have said hospital unusual domineering, does not coordinate. Also is not the business agency wants to make this business, then does not know what kind was flickered, if I examine, I must obtain the confirmation of hospital. Such big amount 10 hundred million? When does this bad account need to carry to arrive?” “这个里面就是我觉得最大的问题,他们一直说医院非常的强势,根本就不配合。还不是业务部门想做成这个业务,然后不知怎么的就被忽悠了过去,要是我来审查,我一定要取得医院的确认。这么大金额十个亿呢？这一笔坏账要背到什么时候？” Yan Ran/sweet comforts Sister Hua saying: „No matter what the matter came out, has no too big relations with you, should not be worried.” 嫣然安慰华姐说道:“不管怎么样事情出来了,跟你没有什么太大的关系,你也不要过于担心。” „I thought I do not have too many responsibility, but feared, when regulatory inspection, all relevant personnel include the blacklist completely, now do not punish to return to pursue two severely? In this case, ended my career.” “我是觉得我没有太多的责任,但是就怕在监管检查的时候,所有的相关人员全部都列入黑名单,现在不是要从重处罚还上追两层吗？如果这样的话,那我的职业生涯到此也就结束了。” „Sister Hua you left was too worried, I thought that the right and wrong black and white can obtain clear after all. I heard that the special case team can question, you 1510 saying, I thought at the appointed time was all right.” Helping Sister Hua of Yan Ran/sweet comforting was suitable along the hair. “华姐你别太担心了,我觉得是非黑白总归是能够分得清的。我听说专案组会来问话,你到时一五一十的说出来,我觉得就没事了。”嫣然安抚的帮华姐顺了顺头发。 The prostitutes sighed: „Yan Ran/sweet, makes this industry, you want carefully careful prudent, the operational risk in the operation life, I worked so many years, continuously diligent conscientious, has not thought that also planted at this matter.” 花姐叹了口气:“嫣然啊,做这个行业,你一定要仔细小心慎重,经营风险就是在经营生命啊,我工作了这么多年,一直勤勤恳恳兢兢业业,没想到还栽在了这件事上。” Quick Yan Ran/sweet was being called by the special case team, prepares to rush to the scene of pharmaceutical company immediately. 很快嫣然就被专案组叫着,准备立刻奔赴医药公司的现场。 But the night before she embarked, suddenly spread the latest news, in the entire capital manages industry had many to fall into this big hole, the past due amount total reached about 10 billion. The entire human race must break up our latest chapter address: 而就在她出发的前一天晚上,突然传来了最新的消息,整个资管行业内有多家都陷入了这个大坑,逾期金额总计达将近百亿。全人类都要拆散我们最新章节地址: The entire human race must break up our full text reading address: 全人类都要拆散我们全文阅读地址: The entire human race must break up our txt downloading address: 全人类都要拆散我们txt下载地址: The entire human race must break up our cell phone to read: 全人类都要拆散我们手机阅读: In order to will read next time, you can click below " collection " minute book time( Chapter 211 startled day case) reading record, will turn on the bookshelf then to see next time! 为了方便下次阅读,你可以点击下方的"收藏"记录本次(第211章惊天大案)阅读记录,下次打开书架即可看到！
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