2026年波兰支付调查：经济持续增长但支付纪律恶化

Poland Payment Survey 2026:sustained economic growthyet worsening payment discipline Paris,March 24th, 2026–Coface’s 10th Poland Payment Survey, conductedamong 326 companies, reveals a clear deterioration in payment behavior, withaverage delays extending to 53 days, their highest level since 2021. This worsening trend contrasts with Poland’s solid economic momentum in 2025,when GDP grew by 3.6% on the back of strong domestic demand. Yet rising laborcosts, persistently high interest rates and a record number of insolvencies (6,566cases)have weighed heavily on corporates,creating a more challengingenvironment despite Poland remaining one of Europe’s fastest-growing largeeconomies. Payment terms: more relaxed conditions Payment termscontinued to lengthen,with the average risingfrom 42.2to54.1 days,the highest level sincethissurveywas firstconducted,in 2017.Companies offeringterms under 30 daysstill represent thelargest share (35%),but medium-lengthterms (61–150 days)have become morecommon. The longestterms are observed inmetals(72 days),followed byInformation and Communication Technologies (ICT)and construction. Payment delays : deterioration of discipline Payment delays worsened across most sectors. Metals (64 days), agri-food (61) andconstruction (59) now record the longest delays. The share of firms entirely free ofoverdue paymentsdecreasedsignificantly from 14.6%to8.5%, while those withoverdue receivables exceeding 20% of turnover increased significantly. In terms of recoverymethods,inhousemonitoring anddebt collectionremain thepreferred approach(38%), while the useof third-partycollection serviceshas risen to34%. IntensifiedChinesecompetition This year’s surveyhighlights agrowing impactfrom Chinese competitors:as a matter of fact, Chinese imports to Poland grew by 11.4%in 2025, while Polish exports to China declined by7.5%. The most affected sectorsinclude agri-food, chemicals, and automotive.Theautomotive sector is a well‑known example, as Chinese manufacturers areincreasingly offering highly competitive products, especially in the electric vehicle(EV) segment. The most frequently reported impact of increasing competitionfrom Chinese firms has been pressure on profit margins (40% of respondents) andon prices (34%). 2026outlook:gradual normalization and rising optimism Despite these challenges,surveyedcompanies remain positive about the yearahead:48%of themexpect an improvement in business activity, and only 8%foresee deterioration.The studyforecasts thatPoland’sGDP growth willaccelerate to3.8%in 2026, supported by EU fund absorption and easing costpressures. In this context,Coface has upgraded Poland’s country risk assessmentto A3. Access the full studyhere COFACE PRESS OFFICE HAVASMalcolm Biiga: +33 6 47 09 92 66Lucie Bolelli: +33 6 42 18 30 82coface@havas.com Adrien Billet: +33 6 59 46 59 15adrien.billet@coface.com COFACE: FOR TRADE As a global leading player in trade credit risk management for more than 75 years, Coface helpscompanies grow and navigate in an uncertain and volatile environment.Whatever their size, location or sector, Coface provides 100,000 clients across some 200 markets. with afull range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Riskinsurance, Surety Bonds, Factoring. Every day, Coface leverages its unique expertise and cutting-edgetechnology to make trade happen, in both domestic and export markets.In 2024, Coface employed~5236 people and recorded a turnover of ~€1.84billion.