2025年亚洲B2B支付实践趋势

B2B paymentpractices trends In this report 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 companiesanticipate in the coming months, as well as their expectations for future In this report you will find the survey results forAsia.Markets surveyed: China, Hong Kong, India, Indonesia, Japan, Singapore,Taiwan and Vietnam.The survey was conducted during the second half of Q2 2025. All reports highlighting market and sector-specific findings of the 2025edition of the Atradius Payment Practices Barometer for Asia are available for download from the Atradius website B2B paymentpractices trends Concern about cash flow and profits in fragmented A varied B2B customer payment risk landscape is revealed by oursurvey of companies across Asia, with an almost even split betweenbusinesses experiencing stable, improved or deteriorating customerpayment behaviour. Overdue invoices currently affect an average 44%of all B2B credit sales across the region, highlighting a degree of strain Despite ongoing cash flow pressures, three in five companies acrossAsia have expanded their trade credit offerings in recent months as astrategy to maintain customer loyalty and encourage sales. However,this increased credit exposure has been partially offset by steadypayment policies, with more than half of businesses keeping payment Working capital management trends are mixed. Most companies acrossthe region report either no change or an improvement in paymentcollection timelines, reflected in stable or decreasing Days SalesOutstanding (DSO). Inventory trends are evenly split between steadyturnover and stock build-ups, the latter indicating liquidity being lockedin unsold goods, potentially straining cash flow and limiting operational Businesses across Asia rely on bank loans as their main source ofexternal financing to support operations. Supplier credit and invoicefinancing also play important roles in maintaining liquidity andmanaging cash flow, providing businesses with flexible short-term For detailed market-specific findings, please refer to the dedicatedreports comprising the 2025 edition of the Payment PracticesBarometer for Asia. Key figures and charts Asia Asia What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple response) Delays in payment process Asia Asia % 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) 61% Bank loans55% Trade credit55% Invoice financing Looking ahead Rising anxiety about insolvency risk amid globaltrade policy uncertainty A striking 50% of businesses across Asia tell us they anticipate anincrease in B2B customer insolvencies during the months ahead.This concern reflects growing unease as elevated global tradepolicy uncertainties continue to ripple through domestic Our survey finds a divided picture on the expectations of firmsabout working capital management. For example, companies areevenly split between those forecasting changes in Days SalesOutstanding (DSO), the time taken to collect payments, and thoseanticipating stability. This uncertainty underscores the Although the majority of firms expect no shift in paymenttimelines to suppliers, one third of companies are consideringdelays to manage cash, while others face the prospect of stricterpayment terms as suppliers seek to reduce the risk of liquiditybottlenecks. Despite this, sales performance and profitabilityprojections across Asia remain cautiously optimistic. This may Looking ahead, half of Asia’s corporate sector acknowledges thecritical importance of being responsive and adaptable to volatileeconomic and market shifts. Increasing regulatory compliancedemands and heightened environmental concerns are drivingcompanies to adopt more sustainable practices, which presents For detailed market-specific findings, please refer to the dedicatedreports comprising the 2025 edition of the Payment Practices Survey design Atradius conducts annual reviews of international corporatepayment practices through a survey called the Atradius Survey scope •Basic population: Companies from Asia were surveyed and theappropriate contacts for accounts receivable management were •Sample design: The Strategic Sampling Plan enabled us to performan analysis of country data cr