Main Subject - Finance

Bad credit is a term used by financial institutions to identify people that have a bad cred

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

it history. Getting into this situation may not have any actual malicious intent. The debt

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

may come due to a medical crisis or a job loss or simply because the person was unable to m

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

anage his finances properly. Transactions may actually be made by a spouse or by a business

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

partner, but as long as the person is in some way responsible for the payment, he will be

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

affected by the debt. The problem may be a result of bankruptcy as well.

What Happens

But

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

regardless of the reason, once a person misses the monthly payments, financial institution

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

s place them in a list labeling him a bad credit risk. The situation can turn very bad if m

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

issed payments are not given attention immediately. If the credit problem is not given any

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

attention, or if it extends over a prolonged period of time, financial companies would be f

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

orced to label the person as a bad credit risk permanently. Once a person is labeled a bad

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

credit, getting a new loan or credit line becomes very difficult, almost impossible.

Remed

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

y

The good news is being placed in the bad credit list is not a permanent status. Once a p

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

erson takes care of the credit line, the status can be alleviated and the credit status goe

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

s back to normal. Financial institutions monitor a person’s paying behavior and by consiste

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

ntly paying for the monthly amortization on time, it can affect the credit score significan

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

tly eventually clearing off any bad financial history.

Alternative

Even with bad financia

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

l history, there are financial institutions that offer loans. This option should be used on

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ly as a last resort. Interest are higher than normal rates for people who have bad credit h

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

istory, and getting such a loan may only put the person much deeper in his financial crisis

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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