2025年日本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 forJapan. The survey was conducted during the second half of Q2 2025.Findings should therefore be viewed with this in mind. B2B paymentpractices trends Ongoing pressure on cash flow amidanxiety over bad debts Although conditions in Japan’s B2B credit risk environmentappear stable on the surface, our survey finds there are somesigns of vulnerability affecting businesses. 53% of companies tellus that customer payment behaviour has remained consistent in Bad debts have levelled off at an average 6% of B2B invoices,reflecting ongoing pressure on cash flow for many businessesacross all sectors. Against this backdrop, nearly half of companiesin Japan have not increased trade credit offerings in recent This contributes to predictable Days Sales Outstanding (DSO) formost companies, yet also limits ability to accelerate cash inflowsfrom receivables. Inventory turnover has stabilised for many firms,although around 35% report stock build-ups, which tie up liquidityand hinder financial flexibility. More than half of Japanese Supplier credit is the most widely used form of trade finance, withthree in five companies relying on this. While bank loans andinvoice financing remain valuable options for funding businessactivities, they are used less often. 42% of companies in Japan usea mix of internal provisioning and credit insurance to mitigate Key figures and charts Japan Japan % of the total value of B2B invoices paid on time, What are the top 4 reasons your B2B customers payinvoices late? Customer’s temporary liquidity issues Source: Atradius Payment Practices Barometer Japan – 2025 Japan Japan % 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) (% of respondents - multiple response) 58% Trade credit54% Bank loans51% Invoice financing Looking ahead Cautious mood amid widespread concernabout sales and profitability A wait-and see stance is taking hold among Japanesecompanies as they look to the second half of the year andbeyond. While 58% of firms in our survey expect the level of B2Bcustomer insolvencies to remain unchanged, this perceived Most companies anticipate little to no change in key workingcapital indicators in the months ahead. Payment collectioncycles (DSO), inventory turnover, and supplier payment timings(DPO) are all expected to remain stable. While this consistencyensures predictability, it also implies limited flexibility to One consequence of this is that expectations for salesperformance and profitability remain subdued. Most companiesacross industries forecast steady sales but express concern thatprofit margins may stagnate or even decline, primarily due torising production input costs. To hedge against B2B customerpayment risks in these challenging conditions, most companies As Japan’s corporate sector braces for economic andtrade-related headwinds through the year ahead, businesses invarious sectors widely acknowledge the need to remainresponsive and adaptable. Many express growing concern about Key industry insights Chemicals 44% of B2B sales in the chemicals sector are transacted on credit,reflecting a cautious but steady approach to trade credit. While asmaller share of companies has increased credit offerings, themajority maintain a preference for upfront payments. Paymentpolicies are largely unchanged, average terms set at 44 days from Most companies report no change in DSO, inventory turnover islargely steady, although some firms report stock build-ups thattie up liquidity and DPO is also stable. The most widely used tradefinance tool is supplier credit. To manage customer payment risks39% of companies combine internal provisioning with creditinsurance, but more than one-third rely solely on internal buffers.64% of companies do not expect a rise in customer insolvencies, Japan - Chemicals Top 5 challenges companies face when offering credit to B2B customers Managing impact of volatile financing costs Assessing customer creditworthiness Japan - Chemicals Key industry figures Key industry insights Consumer durables The consumer durables sector transacts 51% of B2B sales on credit, asign of steady trade credit practices. W