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 funcionalidad de gestión del caso en EAM es una forma fácil de hacerlo. Se puede hacer el seguimiento de todas las acciones tomadas y documentar toda la información pertinente de manera que esté grabada en un solo lugar.
La alianza entre DHL y la Asociación Mexicana para Ventas Online (AMVO) ofrece soluciones de logística a las empresas que participan en comercio online: Garantiza la entrega de los productos en tiempo y forma y desarrolla estrategias para que las empresas participantes maximicen su potencial de venta.
As for Chai Xian, if this bloody case didn t happen, everyone would still be in the dark, thinking that he is a loyal person.The prince smiled and said, Don t forget to invite me to drink.
People from the government.Xu Qi an said in a deep voice, Who asked Vitacore Cbd Da61i2bp Gummies 8ud8 you to move the corpse without authorization What if you destroy the clues left by the murderer He came up to question, and the young man who asked was at a loss, thinking that he had made a big mistake.One is a fragment of a book from the ground presented by Daoist Jinlian.
When he was approaching Xu Qi an, he let out a low growl, his waist drove his body to rotate, his body drove his spear, and swept the world with a domineering move.Li Lingsu turned her head slowly, and squeezed out an ugly smile Senior, did you often laugh at me before.
Therefore, they have already prepared countermeasures and are waiting for Xu Qian But he operated vigorously, and then frustrated, suppressing his arrogance.The first emperor and Wei Yuan are old friends.Xu Qi an traveled all over the world.
According to the Ma Zheng, the horse s nose should be brushed once every 30 miles.Before leaving, he taught Master Hengyuan the vajra magic.
Under the spell of discipline , she can only tell the truth, not lies.Plop The water splashed, and Luo Yuheng was dragged into the pool by him.
Feiyan Lady, please say something.Li Miaozhen would respond politely at first, but found that this guy was angry After talking endlessly, he ignored it.With a thought, Xu Qi an entered the pagoda.When I came to the third floor, I saw Mu Nanzhi and Ta Ling sitting opposite each other, imitating a monk with hands clasped together, eyes closed and meditating.
There was a brief silence in response to the orange cat, and then Chai Xian sighed Who else can there be except aunt The eldest brother died young, and the second and third brothers were mud that couldn t support the wall.Everyone looked over.Whether it s Buddhism, Sitianjian, or even the Wushen Sect, there are third rank masters participating in the collection of dragon energy this time.
I didn t expect that it was you and the Buddhist sect who were waiting.As a result, the three sects with major problems survived, while the other sects declined.
I deleted my wife from the hard drive, and quit all the dating groups that always posted pictures of sex, so as to abstain from sex.After that, with everyone s confused expressions on their faces, the fourth rank Zen master stared at Chai Xian and said There is something I haven t asked the benefactor for a long time.
She didn t believe that Tan Su forgot to tell, it was clearly concealed on purpose.As she said that, her eyes unconsciously showed a little pride.
Yu Liao asked the innkeeper for five rooms, and also booked for Gu Jia.Yu Liao glanced at the other party s stubborn behavior, wrinkled his eyes slightly and blocked Bl5h4fz5m Cbdgummies Mprd his sword again, and lightly reprimanded Tan Su, you are simply unreasonable Stop now, follow me back to Wugou Mountain.
A Niang is the same, why don t Sky Wellness Cbd Gummies Reviews L15a V8386o you just investigate and drive them away, just like the monks who came before, they were driven away on the second or third day.She deliberately didn t look at Tan Su, glanced at the candle above the cave, and asked in doubt, Where is this place What did you do to that young man After speaking, Yu Liao frowned slightly, stretched out her hand and pressed the Lower waist.
People glanced at their line of sight and knew what they were thinking without thinking too much.Su Mu personally visited the people who took the elixir at night.
Master took me back, what do you want to do with me As he said that, the smile on his face became less and less visible, he closed his eyes Finding The Best Sugar Free Cbd O4qhi4 Gummies For A Healthier Lifestyle Xmnzg 635d slightly and opened them again Gu Jia, you can let him go, How can he win Master s Cbd Gummie Dosage 6t6dr0o Oazx soft heart And I, Tan Su, was the one you put down the life and death post It was the same in the last life, and it is the same in this life, why is he the one who is abandoned by the master every time.
He was just surprised for a moment, then turned his head indifferently, blinked his eyelashes and looked in the direction of the master on the stage.If you want to know more, you have to work hard to stand to the end.
Qin Su is a person who only has a cold face and is persistent in his practice.He is so good alone.Today he has been in contact with the second senior brother and has gone through so many tricks.
In this crowd, there is the head of Wugou Mountain, and there are also the four peak masters of Wugou Mountain, and now they have gathered their rumored junior sister, the border guards to rescue the Taoist master, at this time it is still If they dare to stop them, they may really have lived enough.
The fire is small and glows with a faint blue color.Gu Jia glanced at the master, Ignoring Best Cbd Gummies For Zj14gaqjt Anxiety In Adults Cl0v Xue Ji s frenzied shaking of the head, he just said something casual to Yu Liaodan.
As if they had their own consciousness, they were greedily sucking in the bloody hostility at this moment.Chen, where is Mrs.Chen Yuan Chen s lips moved but he didn t make a sound.
What should be nervous at this moment is that he, the master, was brought into this cave by him for no reason, and this cave also restrained her spiritual power, and now she is just like an ordinary woman, with no spiritual power in her body.However, before his hand touched the skirt of the stone statue, an invisible spiritual force pressed against him.
Shua, Shua In an instant, the four vines split into two from Tan Su s hands and headed towards his legs.Who En Best Cold Green Tea Rvh5han For Weight Loss 31hy is this person He looks really bad looking.Gu Jia waved his fan and said directly to Yu Liao.
Xu Yang sneered I ve been waiting for you for a long time.During the period, he accidentally discovered an ancient secret realm, and got a wood attributed heaven reaching spiritual treasure, the Jade Wood Bead.
You and I will search this ruin quickly.Time is running out.Xu Yang agreed with a haha.Then the two chatted for a while, and Xu Yang bid farewell to Emperor Qing and entered the Five Elements Realm.
We will make a contract and never betray.The contract is a law of heaven and earth.Seeing Xu Yang appearing, Huan Ling er s eyes lit up, and she hurried forward and said, What s the matter, has Beifeng recruited you , when is Fairy going to leave Hearing Xu Yang s words, Huan Ling er was overjoyed, knowing the situation of the Black Mountain old demon, she would not care if Bei Feng died, even if Xu Yang didn t do anything , she will not let it continue to live.
Shang Yang laughed sinisterly, threw his white bone claws towards Xu Yang s face, and then nine skeletons flew out from their necks, squawking and spewing ghost fire to burn Xu Yang.This seal is a unique technique of the Dragon Clan, if it hadn t been taught to him by Ao Lie, it would not be so easy to untie it.
Seeing this, the Demon Ape hesitated for Spruce Cbd Review A Comprehensive Analysis Of Quality And Effectiveness Ckmjh U9ml Xrybwci a while.He didn t know what Xu Yang could rely on to make him think he was sure of himself.Can resist.Seeing this, Gu Yanyuan jun was not in a hurry, she had expected this, she knew the details of the setting sun demon lord very well, immediately Gu Yanyuan jun raised his jade hand, a hazy flash disappeared, and there was a light click With a sound, the space in front of it shattered, just in front of the real fire of the sun.
The Nascent Soul Demon Cultivator was overjoyed and hurriedly took his orders and left.Xu Yang was overjoyed, the ascension of the star sea caused great changes in the small world, the strong power of the stars fell down, and the whole world became more vibrant, and the creatures in this Djh5kw Boosting Intimacy With Gummies To Increase Female Sex Drive A Comprehensive Guide Dmqol Ph0p world took the opportunity to retreat and break through the realm.
She had just finished healing her injuries and was about to go to support Daoist Haifeng when she suddenly sensed a wave of demon energy, and immediately followed the induction to the underground space to meet the ancestor of the demon.It is a multi functional treasure, which Xu Yang can t put it down.
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After that, his figure grew sharply, reaching a height of hundreds of feet in the blink of an eye, and he covered Gongshuban with a palm , A monstrous spiritual pressure suppressed Gongshuban and fixed him in place.
Standing proudly on the beast s head in a green robe, with his hands behind his back, he indifferently overlooks the battlefield where the fighting is in full swing.Theory Spirit dragons like to eat Diabetes Cbd Gummies Uoa Reviews Nxgl purple air, not like members of the royal family.
Princess Lin an arrived at Jingxiu Palace in a sedan chair before lunch, Concubine Chen Guifei sent someone to notify her two children today, inviting them to come to Jingxiu Palace for dinner.Very simple reasoning.My lord thinks, how should we investigate after we arrive in Yunzhou Xu Qi an humbly asked for advice.
The female ghost who didn t know her roots was the strongest he had ever seen, even Fuxiang was a little inferior.You said it earlier, I was You can shout a few more slogans and pretend to be sober.
Some time ago, Mr.Zhou suddenly came to find the woman and gave me something.Then, he slowly swept across the officials present, his voice suddenly severe Get up The people are easy to abuse.
and turned away It s too long to read.This is very in line with Princess Lin an s character, the two maids snickered, put the letter on the case, and said softly The maidservant has gone out first, Your Highness has something to call.Emperor Yuan Jing snorted coldly The one who reported you is none other than Jin Gong Is Cbd Oil The Same As Cbd Ct9x28hr Gummies A Comprehensive Guide To Choosing The Right Cbd Product For Your 0dpx Zhu Yang, who beat the watchman s yamen.
A few days later, at the border of Qingzhou, the post station.Information about the first generation of supervisors has been erased from history.
Squeezing the primordial spirit without Cbd Gummies Lynchburg Va Ntu8xlmy 0c8t rest, is itself a kind of life towards death.The same goes for the other two.Liang Dang Xu Qi an asked doubtfully.
As the aunt said, she said with emotion You are old enough to get married.why does it feel like she trusts me too much.although I can lick well, but in total I haven t licked you a few times.
It would be fine if everyone had a fragment of the book Xu Qian Grateful Thank you for your kindness.This is a book from the cabinet.Governor Zhang took out a thin booklet and handed it over.
The postman suddenly showed shame, and said in a low voice, I went to buy dog meat.Xu Qi an is already in the realm of refining the gods Xu Qi an is visualizing Wei Yuan, who can t change his face in front of the landslide of the two catalogs, his eyes froze suddenly.
Song Tingfeng now knows the progress of the case and the situation he is facing now, but the news came suddenly, and he still needs some time to digest it.I ll read, I ll read.Xiao Douding felt that he had gone to school for a few days and became a scholar.
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.