2025年越南B2B支付实践趋势

B2B paymentpractices trends About the Atradius The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across theworld. Our survey gives you the opportunity to hear directly from businessestrading on credit with B2B customers about how they are coping withevolving trends in customer payment behaviour. Staying informedabout these trends is vital because it helps to identify emerging shifts in Businesses operating in – or planning to enter – the markets andindustries covered by our survey can gain valuable insights from ourreports, which also shed light on the challenges and risks companies This report presents the survey results forVietnam. The survey was conducted during the second half of Q2 2025.Findings should therefore be viewed with this in mind. B2B paymentpractices trends Growing switch toward benefits of strategic The clear evidence of our survey is that companies in Vietnam arebalancing optimism with caution as they manage an evolving B2Bcredit environment. 54% of firms report improved paymentbehaviour among business-to-business (B2B) customers in recentmonths, suggesting better discipline in settling invoices. Overdue Appetite for B2B trade credit remains strong across industries inVietnam, with a striking 75% of companies extending more creditto business customers in the past few months. This expansioncomes alongside mixed payment policies, businesses almost Most companies report improved Days Sales Outstanding (DSO),reinforcing the perception of more efficient payment collection.Stability is more common than deterioration among the rest.Inventory turnover shows no clear trend, with firms nearly evenlydivided between faster, steady, or stagnant stock movement. DaysPayable Outstanding (DPO) is similarly mixed. Nearly as many Three in five companies in Vietnam adopt a mixed approach toB2B customer payment risk mitigation, which combines internalprovisioning with outsourced credit risk management, includinginsurance. Businesses tell us this strategy allows them to absorb Key figures and charts Vietnam Vietnam % of the total value of B2B invoices paid on time,overdue and bad debts What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple response) (change vs. 2024) Supply chain disruptions Source: Atradius Payment Practices Barometer Vietnam – 2025 Vietnam Vietnam % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that yourcompany used during the past 12 months? (% of respondents - multiple response) (% of respondents) 77% Bank loans75% Trade credit65% Internal funds Sample: all survey respondentsSource: Atradius Payment Practices Barometer Vietnam – 2025 Looking ahead Widespread concern about potential surge in The main concern for companies in Vietnam as they look to thesecond half of the year and beyond is the threat of risinginsolvency risk. Our survey finds that 56% of businessesanticipate a surge in B2B customer insolvencies during the Three in five businesses report a positive outlook for workingcapital management, anticipating more opportunities to unlockcash tied up in receivables or inventory in the coming months.This forward-looking view also reflects a preparedness to adaptto possible changes in supplier payment terms, because some While uncertainty persists around the future of US trade policy, anexternal factor that could influence Vietnam’s export-dependenteconomy, the domestic outlook is more upbeat. Companiesacross sectors anticipate a positive trend in both sales Alongside this, widespread concern about fluctuating borrowingcosts and the availability of bank finance is prompting companiesin Vietnam to closely monitor credit conditions. Many firms saythey expect commercial lending rates to ease, which could offer Key industry insights Steel and metals The steel and metals sector is highly reliant on trade credit, with 61%of B2B sales transacted on credit terms. Seven out of ten firms haveexpanded credit offerings to their business customers in recentmonths, while payment terms now average 43 days from issue.Overdue payments affect 35% of invoices and customers take one Inventory turnover trends are mixed, with some businesses movingstock efficiently while others experience slowdowns, tying up cashreserves and limiting operational flexibility. Shorter DPO suggestsbusinesses are paying suppliers faster. Companies rely chiefly on bank 73% of firms combine internal provisioning plus outsourced tools,often backed by insurance, to mitigate B2B payment risk. More than60% of businesses expect a rise in customer insolvencies, which couldlead suppliers to tighten payment terms and speed up cash collection, Vietnam - Steel and metals Top 5 challenges companies face when offering credit to B2B customers Handling econoimic shifts impact on customer payment Balancing customer t