摘要
医疗供应链金融在政策强监管与行业特性的双重约束下,面临产品设计与风险控制的实践难题。文章针对传统供应链金融工具难以适配医疗场景的矛盾,采用扎根理论与政策文本分析相结合的方法,通过25家商业银行及医疗企业的深度访谈、2015-2024年政策文本挖掘,揭示医疗供应链金融产品的差异化设计路径。研究构建了包含制度约束、技术赋能与监管风险的三级政策编码体系,提出动态抵押率调整、医疗设备数据质押、合规性数据接口等创新设计要素,并基于“互联网+医疗”政策与DRG改革路径,验证了产品设计与政策环境的动态适配机制,为医疗供应链金融创新提供了混合方法的研究范式。
Healthcare supply chain finance confronts practical challenges in product design and risk control under the dual constraints of stringent regulatory policies and unique industry characteristics.Aiming to resolve the incompatibility of traditional supply chain finance instruments with healthcare scenarios,this paper adopts an approach integrating grounded theory and policy text analysis.Through in-depth interviews with 25 commercial banks and healthcare enterprises,coupled with policy text mining spanning 10 years(between 2015 and 2024),the paper identifies differentiated design pathways for healthcare supply chain finance products.A tri-level policy coding framework is constructed—encompassing institutional constraints,technological empow⁃erment,and regulatory risks—proposing innovative design elements such as dynamic loan-to-value ratio adjustments,medical equipment data pledging,and compliance data interfaces.Leveraging"Internet+Healthcare"policies and DRG reform trajectories,the article validates a dynamic alignment mechanism between product design and policy environments,thereby establishing a hybrid-methods research paradigm for healthcare supply chain finance innovation.
作者
刘宇君
LIU Yujun(Hubei University of Technology,Wuhan 430068,China)
出处
《物流科技》
2025年第24期144-146,164,共4页
Logistics Sci Tech
关键词
医疗供应链金融
政策约束
产品设计
healthcare supply chain finance
policy constraints
product design
