{"id":2066,"date":"2017-06-16T09:31:06","date_gmt":"2017-06-16T07:31:06","guid":{"rendered":"https:\/\/www.organisator.ch\/?p=2066"},"modified":"2017-06-16T09:31:06","modified_gmt":"2017-06-16T07:31:06","slug":"schweizer-kmu-sehen-zahlungsmoral-kritischer-als-eu-kollegen","status":"publish","type":"post","link":"https:\/\/www.organisator.ch\/en\/management\/finanzen_recht\/2017-06-16\/schweizer-kmu-sehen-zahlungsmoral-kritischer-als-eu-kollegen\/","title":{"rendered":"Swiss SMEs are more critical of payment practices than their EU counterparts"},"content":{"rendered":"<figure id=\"attachment_2069\" aria-describedby=\"caption-attachment-2069\" style=\"width: 640px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-2069\" src=\"https:\/\/www.organisator.ch\/wp-content\/uploads\/2017\/06\/Schweizer-KMU-sehen-Zahlungsmoral-kritischer-als-EU-Kollegen_Organisator.jpg\" alt=\"\" width=\"640\" height=\"428\" srcset=\"https:\/\/www.organisator.ch\/wp-content\/uploads\/2017\/06\/Schweizer-KMU-sehen-Zahlungsmoral-kritischer-als-EU-Kollegen_Organisator.jpg 640w, https:\/\/www.organisator.ch\/wp-content\/uploads\/2017\/06\/Schweizer-KMU-sehen-Zahlungsmoral-kritischer-als-EU-Kollegen_Organisator-16x12.jpg 16w, https:\/\/www.organisator.ch\/wp-content\/uploads\/2017\/06\/Schweizer-KMU-sehen-Zahlungsmoral-kritischer-als-EU-Kollegen_Organisator-262x175.jpg 262w, https:\/\/www.organisator.ch\/wp-content\/uploads\/2017\/06\/Schweizer-KMU-sehen-Zahlungsmoral-kritischer-als-EU-Kollegen_Organisator-523x350.jpg 523w, https:\/\/www.organisator.ch\/wp-content\/uploads\/2017\/06\/Schweizer-KMU-sehen-Zahlungsmoral-kritischer-als-EU-Kollegen_Organisator-300x201.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><figcaption id=\"caption-attachment-2069\" class=\"wp-caption-text\">Declining payment morale: Swiss companies fear that delayed payments will continue to increase. (Image: Fotolia.com)<\/figcaption><\/figure>\n<p>As a representative study of more than 10,000 companies in 29 countries, the European Payment Report 2017 (EPR2017) also illustrates Swiss payment practices in the country report: Around three quarters of companies in this country fear higher default risks among their customers. Together with the view of administrative challenges in processes and accounting, these risks can lead to revenue losses and block company growth.<\/p>\n<p>In addition, almost one in ten (9%) of Swiss small and medium-sized enterprises (SMEs) could create more jobs if their customers paid bills on time, according to the study. The EPR2017 country report clearly shows possible influences of timely payment on the economic situation in our country: \"Better payment morale brings Swiss companies more manpower. There is immense potential in this for the labor market and thus also for the sustainable strengthening of the Swiss economy,\" Thomas Hutter, Managing Director Intrum Justitia Switzerland Ltd, is convinced.<\/p>\n<p><strong>No money, administration and intent - as reasons for late payment.<\/strong><\/p>\n<p>Swiss companies surveyed still largely see financial difficulties as the reason for their customers' late payments (85%, +8%), but administrative challenges have increased as a risk factor by 15% to 70% compared with 2016. Companies also continue to see deliberate delay as one of the main reasons for falling payment morale (68%, +4%). When it comes to payments, Mr. and Mrs. Swiss have now caught up with and overtaken the European average. Last year, Switzerland was still lagging behind - with comparatively long average payment periods. Both figures have fallen even more sharply compared with the previous year - in other words, Swiss SMEs grant shorter payment periods and also pay faster themselves.<\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td colspan=\"2\"><strong>Payment period in days (2016)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><\/td>\n<td colspan=\"2\"><strong>Payment by days (2016)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>CH<\/p>\n<p>&nbsp;<\/td>\n<td>Europe<\/p>\n<p>&nbsp;<\/td>\n<td>CH<\/p>\n<p>&nbsp;<\/td>\n<td>Europe<\/p>\n<p>&nbsp;<\/td>\n<\/tr>\n<tr>\n<td><strong>B2C<\/strong><\/td>\n<td>26 (27)<\/td>\n<td>24 (20)<\/td>\n<td>30 (31)<\/td>\n<td>24 (21)<\/td>\n<\/tr>\n<tr>\n<td><strong>B2B<\/strong><\/td>\n<td>27 (30)<\/td>\n<td>32 (30)<\/td>\n<td>34 (37)<\/td>\n<td>37 (36)<\/td>\n<\/tr>\n<tr>\n<td><strong>Public sector\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><\/td>\n<td>31 (34)<\/td>\n<td>33 (29)<\/td>\n<td>39 (45)<\/td>\n<td>41 (36)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><strong>Loss, downsizing and threat to existence - as risks after late payment<\/strong><\/p>\n<p>Around one-third of the companies surveyed in Switzerland say they will have to accept a drop in sales. Half even fear liquidity bottlenecks due to late payment of receivables. And while one in seven companies is cutting jobs because of this, as many as one in five SMEs fear for their existence due to such payment defaults.<\/p>\n<p><strong>The outlook for next year is clouded<\/strong><\/p>\n<p>One in four SMEs (25%) in this country expects their customers to pay even later in the next twelve months than at the time of the survey. A pessimistic view of the development of payment practices shared by only 12% of companies in our neighboring European countries - half as many as in Switzerland.<\/p>\n<p>58% of the Swiss companies surveyed have already accepted payment terms that were longer than they would have liked. Multinational companies in particular are increasingly demanding longer payment terms, an increase of 10% to 42% in the study. \"Late and non-payment leads to a negative spiral - loss of sales, liquidity shortages and consequent blockages to growth. Especially for SMEs - the backbone of our economy - which are hit the hardest. Here, the willingness to pay must improve - SMEs must be supported,\" Hutter demands. Companies mainly try to protect themselves from these increasing risks of late payments and defaults with credit checks and debt collection.<\/p>\n<p><strong>What to do about declining payment morale?<\/strong><\/p>\n<p align=\"LEFT\">Intrum Justitia recommends various measures at all levels (local, national and international) to mitigate late payments. Here are the most important tips:<\/p>\n<ol>\n<li>Establish and implement a balanced and sound credit policy to manage risk and growth and continuously develop it.<\/li>\n<li>Evaluate and track capital used in your credit management process to reduce the cost of capital.<\/li>\n<li>Make sure you know the customers you do business with, too.<\/li>\n<li>Be specific about your terms and conditions in contracts with your customers.<\/li>\n<li>Involve sales, marketing and finance to create an efficient invoicing process and avoid non-payment.<\/li>\n<li>Conduct monitoring of economic and industry information, including the solvency of your key customers and regularly check your customer addresses.<\/li>\n<li>Reduce customer losses and strengthen customer relationships by managing your credit process based on customer payment history and solvency.<\/li>\n<li>Implement an expeditious dunning procedure and charge interest on late payments where possible.<\/li>\n<li>Weight your customer structure according to risk and growth potential.<\/li>\n<li>Act immediately to avoid non-payment. Do not delay the process.<\/li>\n<\/ol>\n<p><em>More information: <a href=\"http:\/\/www.intrum.com\">Intrum Justitia AG<\/a><\/em><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Als repr\u00e4sentative Studie bei mehr als 10 000 Unternehmen in 29 L\u00e4ndern veranschaulicht\u00a0der European Payment Report 2017 (EPR2017)\u00a0auch die Schweizer Zahlungsmoral im L\u00e4nderreport: Rund drei Viertel der Unternehmen hierzulande bef\u00fcrchten h\u00f6here Ausfallsrisiken bei ihren Kunden. Zusammen mit der Sicht auf administrative Herausforderungen bei Prozessen und der Buchhaltung, k\u00f6nnen diese Risiken zu Umsatzeinbussen f\u00fchren und Unternehmenswachstum [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2069,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Zahlungsmoral","_yoast_wpseo_metadesc":"Steigende Debitorenrisiken und administrative Herausforderungen: Schweizer KMU blicken kritischer nach vorne als der europ\u00e4ische Schnitt.","articlekey":"","footnotes":""},"categories":[24],"tags":[115,202,335,508],"class_list":["post-2066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzen_recht","tag-checklisten","tag-finanzenrecht","tag-management-und-unternehmensfuehrung","tag-vermischtes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Schweizer KMU sehen Zahlungsmoral kritischer als EU-Kollegen - 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