Para poder sobresalir en el mercado es necesario mantenerse actualizado de las necesidades de los clientes, esto no necesariamente quiere decir que solo se invierta en la capacitación del personal, se necesita también la tecnología actualizada para poder ofrecer a los usuarios productos innovadores de alta calidad, así como poder ofrecer el mejor servicio.
Las PyME son fundamentales para la economía y en la generación de empleo en nuestro país, la “Encuesta Nacional sobre Productividad y Competitividad de las Micro, Pequeñas y Medianas Empresas” (Enaproce), afirma que existen en México aproximadamente 4 millones 48 mil unidades empresariales, las cuales generan 52% del Producto Interno Bruto (PIB) y 72% del empleo en el país.
El objetivo principal de una Sociedades Financieras de Objeto Múltiple (Sofom), es fortalecer a los empresarios en su faceta como personas físicas o morales a través del otorgamiento de crédito simple y arrendamiento para su desarrollo, siendo así una opción más no bancarizada para el crecimiento de las empresas. La cartera de consumo de la industria sumó al cierre del tercer trimestre 2017 128,791 millones de pesos lo que representó un 39.7% de la cartera total de las Sofomes.
La Comisión Nacional Bancaria y de Valores, afirmó que 12.5% de los financiamientos a personas morales que aparecen en el Buró de Crédito se han obtenido a través de créditos fondeados por Sofomes, lo que indica que este tipo de opción se ha ido fortaleciendo al paso de los años ofreciendo más y variadas opciones de financiamiento para las PyME.
Es importante comentar que de la cartera de crédito registrada por la Comisión Nacional Bancaria y de Valores (CNBV) generada por las SofomERs a septiembre de 2017 es de 324,015 millones de pesos, de este, 52.5% pertenece al segmento empresarial para alcanzar un saldo de 170,129 millones de pesos.
Alfonso Vega, director comercial de Serfimex Capital, mencionó que «un crédito PyME obtenido en una Sofom tiene muchas ventajas entre las cuales se encuentran:
Tiempo ágil de respuesta y fondeo.
Flexibilidad en el análisis y evaluación del negocio.
Atención y apoyo personalizado durante todo el proceso de acreditación.
Se obtiene financiamiento sin restricción sectorial o actividad económica.
Asegurar la liquidez y continuidad de la empresa.
Ofrecer mejores oportunidades de compra de insumos y materias primas.
Descuentos a proveedores por pronto pago».
En un crédito PyME, ya sea para personas morales o físicas con actividad empresarial con antigüedad mínima de operación de dos años en su giro o actividad, ofrece:
Línea desde 500 mil pesos, sin un tope máximo, el cual dependerá de la capacidad de pago del negocio y el propósito del financiamiento.
Plazo desde seis hasta 48 meses para capital de trabajo.
Plazo hasta de 60 meses para la adquisición de activo fijo.
Tasa de interés fija durante todo el plazo del crédito.
Múltiples disposiciones durante la vigencia de la línea.
Amortizaciones mensuales fijas programadas de capital e intereses.
En el contexto de este 2018 será importante contar con las líneas de crédito adecuadas y mantener niveles de capital de trabajo adecuados para aprovechar oportunidades y descuentos importantes que permitirán destacar la competitividad en momentos de ajuste de mercados y elecciones. Serfimex Capital prospecta tener un crecimiento del 17% para el 2018 manteniendo su crecimiento a doble digito como se ha logrado años pasados.
Actualmente las Sofomes están vigiladas por la Comisión Nacional de los Derechos de los Usuarios de Servicios Financieros (Condusef) y CNBV. Contar con un financiamiento adecuado, a tiempo y que reduzca la carga fiscal, es la mejor forma de seguir siendo competitivo en el mercado.
La tecnología ayuda a los fabricantes de dispositivos a lanzar al mercado de forma más rápida y rentable, y de alta calidad, consistentes en experiencia al consumidor en las aplicaciones y dispositivos Android.
IDC calcula que las empresas dedicarán al menos 28% de su presupuesto de TI a la contratación de servicios en la nube durante 2017, con lo que inician la transición a un modelo de consumo bajo un esquema de Opex (gasto operativo).
Talleres humanistas para vincular a los jóvenes con las 10 licenciaturas que ofrece el Claustro de Sor Juana, únicas en su tipo. La cita es en Izazaga núm. 92, Centro Histórico de la Ciudad de México. Entrada libre.
At the same time, she released a large amount of Yuan Magnetic Black Sand and rolled it up to temporarily protect her whole body.Emerald Mushroom hesitated for a moment, then also got into the ground to follow Qianqiu Teng.
Jiang Yuebai s body was filled with electric arcs. He climbed up to the top of the mountain with his frizzy hair struck by lightning.Jiang Yuebai raised his head and looked at the figure against the light, while Xie Jingshan turned his head slightly.
Zhuang Feng glanced at Jiang Yuebai and said angrily to Lord Jing Chu, Don t associate closely with people of unknown origins.I will inform the sect master about the Asura Domain.
Only distinguished guests can go up to the second floor.In fact, Fang Ruyan had already told her that he would wait until she reached the late stage of pill formation before transforming into a Honest Purekana CBD Gummies Reviews: A Comprehensive Analysis of Efficacy and Quality
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There was a ferocious crack on the life tablet he had put away on purpose.Because he didn t know what she had done to Jiang Yuebai, and he was able to get her puppet and condenser, Li Jiuchuan endured it all the way.
Yu Chen wants to go back to Liantai Cave, while Xiao Lu wants to hang out outside.It is impossible to intuitively compare the strengths and weaknesses of these heterogeneous Nascent Souls and Tianpin Nascent Souls, and each has its own advantages.
Qingnangzi nodded, If so, the young master Xie is probably here to investigate the attack on Shanhai Tower, and maybe also for Shen Huaixi.In an instant, an ice thorn jungle was formed, wiping out the ghost tide
Woof Fu Dou, a giant dog covered in golden crow fire, descended from the sky, stepped into the ghost tide and roared in all directions.
I m very timid. If I m scared by you, I ll feel sick, dizzy, and unable to eat.The demons of plants and trees have sex since the birth of spiritual intelligence, but they have no life.
Jiang Yuebai concentrated on refining the eight formation disks and formation signs according to the steps that had been deduced hundreds of times before.How to raise a dragon from hatching eggs, cultivating intimacy and loyalty, meticulous feeding, early teaching, increasing potential from eggs, etc.
Countless such slender sword lights gathered together, and the sword intent transformed into a silver dragon the size of a forearm.
The intelligence system of Wanshou Sect has not discovered that Yuqing Sect s Nascent Soul monks have come to the East Qi Continent.Elder Jian was not that old compared to the Yuanying monks.
This is obviously being framed, and he can t let it go.After the falling stone technique ended, Wang Yuan immediately released the Thunder Body.
The jade slip contained part of the record of Qianye Temple s sect protecting formation.Because Chen Guogong had long wanted to break off the engagement with him.
Although the boundary mountain checkpoint still existed, it was no longer as tense and rigorous as before.Li Shiming finally understood. It turned out that Master Xie Lang was an alchemy master of the dragon lineage, and he was here to compete with Master Jiang Hong.
The sword intention passed through the bodies of the three Nascent Souls, and the power contained in the sword instantly destroyed the Nascent Souls, including the Nascent Soul inside.The power of the thunder and lightning was extremely terrifying.
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On the contrary, seeing the costumes of Baihua Girl and Zhilan, she knew that they were definitely not from the Fire Barbarian Land.As time went on, Lin Yusheng became more cautious. The ten color seabed moved through the sea like a frightened fish.
In the star picking cliff of the jade pendant, Ye Ling said coldly You two have really good intentions You worked hard for the demon cultivator of the East China Sea, even at the expense of your body, and took away the monks of the Immortal Sect Alliance.He exclaimed. With a cry, he tried to rush out of the side hall gate again, but bumped into Ye Ling s formation You can t break my shadow formation Ye Ling s voice was like the cold wind of the Nine Netherworld, which made Master Su s heart sink when he hit the wall.
If Elder Lan sees through it and spreads it, it will definitely attract the hatred of the demon cultivator from the East China Sea.The huge purple demon pig phantom, its two fangs glowing with cold light, quickly slammed into Demon Lord Zhang Zu ah Demon Lord Zhangzu resisted the Blood Moon Slash with all his strength, but the force of the counterattack injured the Demonic Core Swift and Simple: Lose Weight Fast Without Stepping Foot in the Gym
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said reluctantly Let s look for them separately Spread out the team, and as soon as there is any trace of them, call the transmission note to inform them immediately.I ll catch it. Two people come and ask them about the situation of the East China Sea Monster Clan nearby As he spoke, without waiting for the three of them to object, Liang Yuzhu jumped on the fire type flying sword and rushed down.
It seemed that he had no intention of leaving at all, so he let him go.However, Ye Ling also noticed that this bronze man was not a reckless man, and was much calmer than the other Golden Crow tribesmen in the village.
Enemy, with him on Dongsang Island, the Golden Crow Tribe will inevitably annex Aolai Country, and the internal strife among the three major forces in Aolai Country will be greatly disadvantaged and the Golden Crow Tribe will be advantaged
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After all, the demon tribe from the East China Sea invaded, and the enemy was at hand.Luo Hu and Xu Mingsheng looked at each other in shock.
When Luo Hu and Xu Mingsheng were far away, Ye Ling took out the golden toad lamp from the storage bag.I didn t know it was yours. I, I
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The process of casting the spell is very clear. She turned each part of it into numbers according to the reference numbers in the Dayan Sutra.The transformation into a god is successful, and isn t it true that Jiuchuan True Lord and Lingjun True Lord are still there to protect the Revolutionize Your Weight Loss Journey with bbb keto gummies: A Comprehensive Review
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Jiang Yuebai had a vague feeling that she could transform everything into chaos.Magic weapon elixir. The Divine Hidden Talisman and the Turtle Breath Talisman, activate A few days later, Seven Star Island.
Seeing Jixiang being so edible, Jiang Yuebai felt that it was like the Tiantian Cauldron, a master who couldn t afford to feed him.Tang Weimian thought thoughtfully, It seems so, the commotion over there was so fierce that we didn t even notice that Junior Sister Jiang was married.
The deer s eyes were bright, scanning the Yunzhi grass and white vines up and down.Qu is a saint. Not long ago, the Kong family invited the top ten cultivator families to participate in a poetry gathering.
She spared his life just because he was Lancao, and she was Xuelan, one of the nine generals of the ghost tribe.Come out. We also need to study the map of the grafted spiritual tree, which is related to the Huaxi Valley expansion and money making plan, and we must hurry up and refine the golden elixir until we are proficient
There are too many things to do. After making up his mind, Jiang Yuebai was attentive.
Just now, he secretly squatted beside him and controlled his clone to fight Chai Chong.Jiang Yuebai has been thinking about the difference between foundation building and golden elixir recently, laying the foundation for his future elixir building.
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Everyone you put in this place will be protected with all your strength.Xie Jingshan s eyes trembled slightly, and Jiang Yuebai glanced at him from the corner of his eye.
A cold light flashed in Ning Zhiyuan s eyes, and he suddenly raised his palm like a knife and slashed it down in the air.The water lily guarded the puddle, motionless as a mountain.
Even if it depends on you for life and death now, it will betray you one day.Tu Li took back his giant axe, rose up on the waves, and struck down the immobile Shen Huaixi on the head, with such force that he split the mountain.
If you are strong, you will live, if you are weak, you will die.People without strength can only become others bargaining chips.
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Jiang Yuebai put away the weapon refining map, and there was another part behind it.In the black coffin, the sudden opening of Zhu Jiuyou s eyes frightened Jiang Yuebai out of her mind.
At this moment, no one in this world dares to be its enemy Ouch Yinglong roared in the sea, and all directions surrendered.He took a deep breath to calm down his hatred. I m sorry for telling you these irrelevant things.
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Zheng Yougong glanced back, Su nn , the fifth son among the nine sons of dragon, is a very common spiritual beast in the Qinglong world.The ghost tide surged, and the Four Elephants and Bagua array pressed down from above the head.
Time is running out, let s go quickly. Miaoyin urged, leading the way.
Para poder sobresalir en el mercado es necesario mantenerse actualizado de las necesidades de los clientes, esto no necesariamente quiere decir que solo se invierta en la capacitación del personal, se necesita también la tecnología actualizada para poder ofrecer a los usuarios productos innovadores de alta calidad, así como poder ofrecer el mejor servicio.