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B2B 支付实践趋势，澳大利亚 2024

信息技术 2024-04-17 安卓信用保险周振

Atradius Payment Practices Barometer 2024: Insights into Australian Business Dynamics

Overview:

The Atradius Payment Practices Barometer 2024 survey highlights significant shifts in business practices and cash flow dynamics within the Australian market, particularly in the context of challenging economic conditions.

Key Findings:

1. Trade Credit as a Financing Tool:

Trend: Businesses increasingly turned to trade credit as a source of financing, with 59% adopting it as an alternative to traditional bank loans, up by 7% from the previous year.
Magnitude: The amount of trade credit offered to business-to-business (B2B) customers surged by 35%, notably in the agri-food sector.
Impact: This strategy involved extending payment terms by two weeks, averaging 35 days from invoicing, primarily aimed at fostering long-term customer relationships and improving sales.

2. Credit Risk Landscape:

Stability in Bad Debts: Bad debts remained steady at 7% of all B2B invoices.
Late Payments Decrease: Late payments decreased by 4%, affecting 45% of all B2B sales made on credit, indicating improved payment practices in the agri-food sector, counterbalanced by increased late payments in the consumer durables sector.

3. Challenges and Adaptations:

Cash Flow Struggles: Businesses experienced liquidity shocks, leading to slower payments to suppliers, which impacted the entire supply chain.
Repayment Plans: A majority (64%) of polled companies reported receiving requests for repayment plans from B2B customers to maintain financial stability.
Insolvency Risk Perception: Despite widespread financial hardship, 55% of companies did not foresee an increased risk of insolvency over the next 12 months. However, 46% of agri-food businesses expressed concerns.

4. Strategic Management:

Credit Management: The importance of strategic credit management, including receivables insurance, was emphasized to navigate economic uncertainty.
Insolvency Risk: The survey suggests that while the risk of insolvency varies by sector, proactive credit management remains crucial to mitigate potential financial downturns.

Conclusion:

The Atradius Payment Practices Barometer 2024 reveals a dynamic shift in business practices, particularly concerning trade credit utilization and payment term adjustments, amidst a backdrop of fluctuating credit risk and cash flow pressures. The report underscores the necessity for businesses to adapt their credit strategies to manage financial risks effectively, especially in sectors vulnerable to insolvency threats.

B2B payment practices trend and cash flow Australia Surge in insolvency risk off radardespite cash struggles About the AtradiusPayment Practices Barometer The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets acrossthe world. Our survey provides us with the opportunity to hear directly fromcompanies polled about how they are coping with the impact of thecurrent challenging economic and trading environment onpayment behaviour of their B2B customers. This can give valuableinsights into how businesses are paid by their B2B customers, andhow they tackle the pain points caused by poor payment practices. The findings about what measures are undertaken to fund asudden need for cash, and what credit management tools they useto mitigate the risk of long-term cash flow problems, may also bevaluable information in helping understand how companiesrespond to the crucial issue of late or non-payment in the currentuncertain times. However, the survey also has a strong focus on the challengesand risks that companies polled believe they will encounterduring the coming months, and their expectations for futurebusiness growth. The results of our survey can supply useful insights into thecurrent dynamics of corporate payment behaviour in B2B trade,and identify emerging trends that may shape its future. This canbe extremely useful to companies doing business, or planning todo so, in the markets polled. In this report, you will find the survey results forAustralia. The survey was conducted during Q1 2024. The findings shouldtherefore be viewed with this in mind. In this report B2B payment practices trends and cash flow4Surge in insolvency risk off radardespite cash strugglesKey figures and charts6Looking ahead7Domestic economy key worry for Australianbusiness prospectsKey figures and charts8Survey design9 Disclaimer This publication is provided for information purposes only and is not intended as investment advice, legal advice or as a recommendation as to particulartransactions, investments or strategies to any reader. Readers must make their own independent decisions, commercial or otherwise, regarding the in-formation provided. While we have made every attempt to ensure that the information contained in this publication has been obtained from reliablesources, Atradius is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this pub-lication is provided ’as is’, with no guarantee of completeness, accuracy, timeliness or of the results obtained from its use, and without warranty of anykind, express or implied. In no event will Atradius, its related partnerships or corporations, or the partners, agents or employees thereof, be liable to youor anyone else for any decision made or action taken in reliance on the information in this publication or for any loss of opportunity, loss of profit, lossof production, loss of business or indirect losses, special or similar damages of any kind, even if advised of the possibility of such losses or damages. Copyright Atradius N.V. 2024 B2B payment practices trendsand cash flow Key survey findings ■Rising interest rates sharply curtailed business borrowingcapacity, prompting an increased use of trade credit. 59% ofbusinesses polled in Australia said they now rely on this,while also reporting a 35% increase in trade credit offered toB2B customers. Surge in insolvency risk off radardespite cash struggles A clear upward trend in the use of trade credit as asource of financing was a stand-out finding in oursurvey of businesses in Australia. 59% of companiespolled, 7% more than last year, said they actively optedfor trade credit as an alternative to traditional bankloans amid a period of higher interest rates andfinancial costs. Perhaps surprisingly, despite potentialincreased costs of this strategic move, our survey founda 35% increase in the amount of trade credit offered bybusinesses to B2B customers, notably in the agri-foodsector. The strategy also involved a notable loosening ofpayment terms, especially in the construction industry,which were extended by two weeks and now average 35days from invoicing. Companies polled said reasons foradopting a more lenient trade credit policy includedfostering long-term commercial relationships,sustaining the buying power of B2B customers, andacquiring valuable information about B2B customersand their credit history which could help mitigatefinancial risks. ■Payment terms were extended by nearly two weeks byAustralian companies, and now average 35 days frominvoicing. The primary factors cited were to foster long-termcustomer relationships, boost sales, and gain valuable B2Bcustomer credit information. ■The credit risk landscape was mixed. Bad debts remainedsteady, standing at 7% of all B2B invoices, while latepayments affected 45% of all B2B invoices, down 4% on theprevious year. The average delay on

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