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.
Los entrevistados para este reporte coinciden en afirmar que la asociación con un 3PL integral experto, sea en gestión de operaciones como de bienes raíces, puede proporcionar una solución perfecta y potente.
En esta temporada alta, los minoristas deben estar preparados para enfrentar el desafío de los paquetes perdidos con estrategias efectivas. Implementar soluciones como el seguimiento detallado de pedidos, la cadena de custodia fotográfica, y opciones de entrega seguras puede minimizar el impacto financiero y mantener la fidelidad del cliente.
El inventario gestionado por el proveedor VMI es una técnica de gestión de inventario en la que el proveedor/vendedor asume la responsabilidad total de optimizar y mantener el inventario mantenido por un minorista
Then a flash of inspiration came to his mind, and he was pleasantly surprised I m afraid this kid has a magic weapon to protect the soul.Let s take advantage of it With a smile on his face and a leisurely look on his face, Lu Yu took one step forward and appeared thousands of feet away as if he had shrunk to an inch.
As for top grade spiritual weapons, top quality spiritual weapons, magic weapons, talismans, seals, etc.It was like a mountain, but it had a big hole in its chest, and black blood flowed down like a waterfall He s obviously dead However, all the valuable materials in this huge magical beast at the level of Taoist Lianxu have been taken away, such as the inner elixir and so on.
It s impossible The Tianmen Sect Master shook his head in disbelief and started to vent hysterically.We are just outer disciples, how can we know Our Shui Jing Sect should not have them either.
The most important point is that Lu Ziji s evil talent and incredible ability made Zhao Zhong know that if he couldn t kill such a heaven defying figure, it would be the end of the Zhao family with the Red Flame Tiger Lu Ziji, go to hell It s too late to say, but it s soon At How Do You Make CBD Gummy Bears: A Comprehensive Guide to Crafting the Perfect CBD Treat
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There was a burst of joy and laughter, but unfortunately, everyone s eyes were looking at the place where Lu Yu was retreating from time to time.How can that be true Isn t it worth hundreds of thousands of low grade spiritual stones It s revealed Whoever gets this pool of red flame spiritual milk will be rewarded
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Being glanced at by Lu Yu s cold gaze, Honey Fairy suddenly woke up.Feeling the dense swarm of mutant poisonous bees floating over behind him like black clouds, Luo Wenxing said angrily You two, why didn t you tell me earlier, and we were also hunted down by the mutant poisonous bees Luo Wenxing just took action.
Huan Zixuan s beautiful eyes were cold, and Gao Tianyi narrowed his eyes, flashing a cold light.are you still afraid of killing our father and son and massacring Jingshui City At this moment, Shao Mufeng s eyes showed deep awe, even a look of panic, fear and helplessness.
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If they didn t see it clearly, they could continue to watch the replay when they turned around.He handed his ID to the staff member. The staff quickly returned to the computer with Lin Beichen s ID and sat down.
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How can I still not understand my own body Before he finished speaking.Bang With a soft collision, Lin Beichen punched the solid wood doll in the stomach.
With a rapid impact, it shattered the air and hit Akihito s steel claw on his left hand.It s okay for such a young person to be at the top of the second rate level.
We are within a hundred miles, and ferocious beasts will appear at any time.Although Luo Chen complained about it, the matter was over, and Nangong Dao compensated Luo Chen, so Luo Chen did not pursue it any further.
He carried it on his body, and then found a yellow level high grade martial arts book called Seven Star Archery Technique, as well as several hundred taels of silver notes.Not to mention the anxiety here. The Jin family in the Northeast region.
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After a pause, Luo Chen glanced at the still silent subway wolf guards again, and then said passionately But Now you have me I will treat you as brothers, and I won t be like you.Moreover, he himself also wants to enter the Purple Mist Guard.
Haha The old shopkeeper smiled and said, Although there are not good people in Sin City, they still need food and clothing, Noom Weight Loss Guide: How 8 Fitness Enthusiasts Achieved Their Goals in 2025
right We are going to deliver daily supplies to them.After dealing with the long faced man, Luo Chen followed the horse s hoof prints to a small stream.
Until a while later, Murong Qianyue suddenly slammed the door and left.Luo is a free man and does not like to be restrained, but the grace of healing cannot.
It s not like he had never seen gunpowder before. Even if this gunpowder was a little different, how powerful could it be What s more, he is now a first rate mid term warrior.Ha With a cooing cry, Wen Yue s energy was shaken, and she swung the steel whip in Get Ready to Sizzle with Slimsculpt Ketoacv Gummies: The Ultimate Weight Loss Solution
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Hehe It s not yet certain who will kill whom Zheng Xiaoliu was smiling, and as he spoke, the aura of the peak third rate realm was looming on his body.Now that the Longwei Escort Agency has Buy CBD Gummies in South Carolina: Benefits, Laws, and Reviews
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They made a lot of noise here, alarming many people in the bar.You. If that s the case, either the person behind it wants to kill you, or the person behind it is not afraid of you knowing his true identity.
But if you send a hundred people, and they all lose to one person, that would be embarrassing Wu Mian felt aggrieved, but he had no choice but to say what his sixth uncle said That s the truth.You don t show your virtue by peeing, so you are worthy of drinking with the daughter of the Shencheng Martial Alliance If your friend is the daughter Leef CBD Gummies: Reviews, Benefits, and Where to Buy THC-Free CBD
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Qin Feng said just now that he wanted this sword. And what Qin Feng wants will never fall into the hands of others.The originally gentle and bright eyes were opened at this moment.
His men pulled the black cloth off the man s face, and a face full of tears and despair appeared in front of Qin Feng.Wu Mian was stunned What do you mean Miao Jin, did you hear it Young Master Wu said that life and Best CBD Gummies in Portland: Reviews, Benefits, and Where to Buy
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Qin Feng didn t find the last half of his sentence completely credible.Do you want to beat me too Hearing Haiyuan Li spoke, but Ye Tianqi and Fan Bangyan didn t say anything.
And Nirvana has once again returned to the leaderless status of the cold palace, and has experienced this blow, even if we Everyone is alive, how much energy do you have left In order to protect the country and protect the country, he was unable to get support from his headquarters and was once again thrown into the cold palace.
Chen she knew. The expression on Liang Shaokang s face collapsed, and his lips were trembling.Xuanyuan Feng was very alert and seemed to have sensed the danger, looking around solemnly.
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Du Qingyue was still immersed in the shock just now.She glanced sharply at the Martial Arts League and happened to see Meng Changfeng, Wu Mian and Fan Bangyan socializing with people from the Yangguo Martial Arts Association.
And these Yang Kingdom warriors are obviously more difficult to deal with than the dozens of bodyguards before.Fan Erdu has been here for so many years, and there are still people who are so loyal to him It s not unreasonable for people to leave for tea.
So murderous For the first time, Qin Feng thought that the other party was an accomplice of the three kidnappers.In everyone s eyes, Panlong Palace is now in disarray.
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.