Tips for Managing Credit & Risk Trading​

Cash Flow Management is the process of tracking and optimising your cash flow in a given time period. Learn about the benefits and tips of Cash Flow Management now!​   Poor cash flow management has been the downfall of many businesses so it can’t be left to chance. A regular supply of cash is vital to any organisation, so that it can pay salaries and bills, as well as invest in growth. This is why cash flow management is essential in order to have a thorough understanding of where your money is coming from and to project future revenue to secure company growth.​   In this article, we provide guidance and answer your most-asked questions related to small business cash flow management: what is cash flow management, what are its benefits and what to do for a better cash flow management?

The trade war initiated by the Trump administration's sweeping import duties (an effective rate of 11% by August 2025) has reshaped global trade flows without yet triggering the mass insolvency wave many feared in the US. However, the reprieve is temporary, and the risk has simply been delayed, not dodged. This deep dive explores the mechanism that shielded the US and reveals the significant financial burden now shifting to export-driven economies, particularly in Europe.

What trade credit insurance has to do with your daily cup of coffee, and how it can support growth from first sale to international expansion.   Your daily coffee is a trade credit insurance success story. Coffee beans typically move through farmers, processors, roasters, exporters and distributors before they reach a café counter, with trade credit insurance offering protection at each stage.   For small and medium-sized enterprises (SMEs), achieving sustainable international growth depends on one simple thing: getting paid predictably, even as terms stretch and risks change. But for some firms, this is where momentum can stall. Working capital gets locked in receivables. New buyers come with limited visibility. One late payment can disrupt production, suppliers, and investment plans.   Our trade credit insurance acts as your behind-the-scenes growth partner, providing a strong foundation for long-term success. To illustrate its effectiveness, let’s follow your daily coffee on its global journey from farm to café, learning how Allianz Trade supports it along the way.

The global business environment faces a prolonged period of elevated risk. Allianz Research expects global business insolvencies to rise by +6% in 2025, and again by +5% in 2026, before a modest decline in 2027. This marks the fifth consecutive year of increases, pushing global bankruptcies +24% above the pre-pandemic average. This sustained surge is driven primarily by North America and Asia, underscoring the necessity for robust credit risk management.

The global rise in business insolvencies is not just a cyclical correction; it’s driven by structural challenges that will keep failure rates high through 2026. Despite Western Europe showing a modest decrease in 2026, the overall global index is set to rise again by +5%. This FAQ addresses the three critical structural factors that businesses must manage to survive the prolonged economic headwinds.

For the highly cyclical chemicals sector, managing credit risk is paramount. While the APAC region drives much of the global output, the overall sector rating globally and in APAC remains at Medium Risk. This suggests that despite growth, underlying financial vulnerabilities persist, amplified by oversupply, geopolitical conflicts, and rising insolvencies. This data deep dive examines the key financial and market risks that chemicals companies must monitor in 2025, with a focus on regional financial health.

The Asia-Pacific region is the world's largest and fastest-growing market for chemicals, and global shifts are reshaping its future. Rapid industrialization, urbanization, and increasing consumer spending in countries like China and India are creating robust demand. At the same time, the sector faces a twin challenge: optimizing operations to counter global oversupply and adapting to the growing necessity of environmental sustainability. This guide highlights the key trends driving growth, investment, and transformation in the APAC chemicals sector in 2025. 

The APAC chemicals sector is undergoing significant transformation, presenting both massive growth opportunities and critical operational challenges. Based on our latest analysis, we've compiled the most important questions for businesses operating in or trading with this dynamic region. This FAQ provides expert answers on everything from regional growth drivers to major supply chain risks.

Global supply chains have faced mounting pressure in 2025. As businesses plan and consider new strategies, Allianz Trade’s expert risk reporting offers valuable insights to help you build more resilient supply chains and protect your growth.   A car manufacturer suddenly faces supply chain disruption because its key supplier goes bankrupt amid rising geopolitical tensions. Meanwhile, a global pharmaceuticals business faces increasing buyer fraud risks after expanding into an emerging market, threatening its growth.   In 2025, the growing complexity of global supply chains makes stories like these all too common. Today, companies face an unpredictable geopolitical landscape, with trade disputes, economic volatility, and challenges around fraud, cybersecurity, and environmental change all putting pressure on global supply chains.