Payment behavior as a new standard for the french FIBEN rating for 2022!

The FIBEN rating (Banque de France business banking file) will take into account late payments by integrating a specific analysis linked to payment due dates.

FIBEN Despite the economic recovery and the public aid and support during the health crisis, we have observed a deteriorisation in payment terms since 2020.

The lengthening of the average late payment went from 13 days in 2020 to 15 days in 2021, in France.

Large companies are singled out, with an average delay of 12,4 days against 8,1 days in 2020. Only one in two would pay their suppliers on time.

80% of companies say they are in favor of creating a "payment terms" rating in order to know the payment behavior of their future partner before making a commercial commitment. This request has been heard by the french Minister of Economy and Finance Bruno Lemaire.

To speed up the fight against late payments by large companies, the FIBEN rating (Banque de France business banking file) will take into account late payments by integrating a specific analysis linked to payment due dates.

Bad payers will see their FIBEN score degraded. About 3,000 companies will be affected by this warning.
This new measure wants to increase the pressure on bad players ; companies must realize that paying partners on time must be the priority. It is more than necessary to preserve reasonnable commercial relations by avoiding the power relations that can appear, in particular between small and medium companies (SMEs) and large groups.

 

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