Crédito y arrendamiento, estrategias de las Sofom que fortalecen mercado

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.

 

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Logística: El aliado estratégico de la venta en línea, DHL

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.

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But this glance made the hairs on both of their bodies stand up, and a sentence came out from the bottom of their hearts at the same time Shuzi is not a human being.The system is equipped with CT slide rails and automated transfer operating beds, which solves this problem very well.

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Today s treatment can only After this operation, if the blood supply to the foot can be restored tomorrow, then the toe can still be saved.As a result, these dregs of energy accumulate in the stomach and are hidden in the liver.

Du Heng finished writing the prescription in his hand, handed it to Liang Yichang, and said half jokingly I won t come up with any ideas.Just before, he had joked with Wu Shengnan, saying that pricking the nerve in her Is Half And Half Keto Safe Dr. Sue Decotiis Helps NYC Exec Lose 30 Pounds in 4 Months foot would make her jump when she walked.

The family sat around the coffee table, and the aunt and uncle warmly greeted the eldest son, with distressed expressions on their faces, as if the previous few hours were not enough for them to express their love for their son.Du Ping and Du Heng were the only two brothers left in the living room.

What are you doing if you don t say anything Discuss it with your parents quickly.But before leaving, he had to visit Amei Liu again.

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As long as the disease does not progress further and does not affect the child s nerves, the remaining problem is to prescribe medication.In less than thirty seconds, Du Heng appeared in front of Du Heng holding a small plate, and the dark light he wanted to see had completely defeated the little monster.

Du Heng glanced at the monitor that was beating steadily, and then at Amei Liu, whose face was slightly rosy, and he felt that the big stone in his heart was completely relieved.Du Director Chen blushed at the scolding by Li Jianwei, Just as he was about to speak, Li Jianwei didn t give him a chance, and then said, He is now 30 years old and is already a deputy chief traditional Chinese medicine practitioner.

Mr. Wang, do you like drinking No, but because of work, I often drink.

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After several rounds, Yu Liao slashed the opponent s shoulder with a stab.He looked at the stunned expression on Master s face, and thought that the name was really beautiful.

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Qin Su quickly retracted the sword in order to avoid accidentally injuring him.Before Tan Su could say anything, his second sister, Tan Su, stepped forward and said, He is the one who deserves to be beaten.

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The inhalation of spiritual power will cause a brief coma.But he looked at Master s drowsy and slightly frowning brows, and he clearly realized that her determination in the final battle was to save the world with the determination to die What Master wants is not this ending.

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He was so seriously injured.But if they don t want to leave anyone behind at this moment, there will be a hairpin flower meeting in a Baileys Cbd Do Hemp Gummies Get You High? Debunking the Myths few days, and they will have no face to go to the head of the sect to explain.Satisfied with the results.His tone of asking her to look at it quickly made Yu Liao caress the writing on the scroll, and finally couldn t help smiling.

Chen Qi had a smile on his cheeks, but the smile didn t reach his eyes Sect Leader Su can t say that, if this competition continues, they will really see red.As Tan Su said, he went forward and patted his junior brother Meng What Melissa from Reba Did to Lose Weight: Her Top Tips Revealed Shake Fast Weight Loss Xun on the shoulder.

Everyone looked at Su Ma er, Dugu Huai took another look at Yu Liao, because she was so familiar with Dugu s appearance.What kind of mind, just blindly holding up the sword and slashing spiritual power, turning a long sword into a knife for life.

Yu Liao, who was sitting near the creation, looked down a little and saw a bustling long street.The two sisters were not selected from the disciples of the outer sect of Wuya Mountain in the first place, and they were directly brought into the inner sect, which aroused dissatisfaction from the surrounding people.

Yan Shu could not do anything with these two axes in both close and long distance attacks, and now it was like playing tricks so that Yan Shu could not do anything.After a while, the roar of the demons below attracted the attention of the old demon, and the conspicuousness was also affected by the sound of the piano.

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In this conference, he will awaken the spiritual power of the other hand to form a zither, and it can also be transformed into a sword.It s pretty good.The sword moves are clean and neat, and you can hit the opponent by surprise with quick precision and ruthlessness.

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The elder brother who is indifferent to others cares about the master, so the master is pampering the elder brother, the relationship between them is not just a master student relationship.It was indeed what Tan Su thought, and Su Mu didn t even want to save his Safeline Keto’s Assurance from Shark Tank: Secure or Speculative? Quinoa Vs Brown Rice For Weight Loss father.

A Su bid farewell to your father just like that Yu Liao stretched out her hand to catch a handful of rain, raised her chin slightly and asked.

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Hello. Among the four people present, except for Du Heng, the other three are all masters of warm up.Ophiopogon japonicus can clear and replenish the Qi of the lungs and metal, so that the fire evil can t be forced up.

It was just a matter of catching a cold and drinking a few more medicines, but he had to hang up the bottle.Then you. Why are they here again Could it be that Dr.

There are two middle aged people, a boy and a girl.Today, my brother is treating you to a treat and I will apologize to you.

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Shangling Village is a village built on the mountain, with layers one by one like terraces.An Chunhui gave Du Heng a signal with his hands behind his back and walked to the front.

After all, there are many types of Western medicines, and they are updated very quickly.Why didn t you hang up his name. Du Heng was unable to complain directly.

Okay, I ll note it Cold Feet Erectile Dysfunction ED Gummies Ads: Analyzing User Testimonials and Marketing Claims down. I ll keep an eye on my daughter in law.Du Heng tried to pull up, but he didn t get up. Doctor Du, please save my mother.

After what happened last time, Li Nating and Du Heng didn t say a word to each other.At this time, Du Ping was also calling Du Heng, and Du Heng on the other end of the phone was immediately frightened into a cold sweat.

It won t be anything. There will be no sequelae, right As long as you cooperate with the treatment, there will be no sequelae.After all, 99. 999 of rural areas in our country are not West China Villages.

I won t agree. Hahaha, you kid, then I ll do as you say, but the main thing is to congratulate you.Grandma Liang also recognized the person in front of her.

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all of them want to be transferred to the township government.Yu Haiting waved his hand, Go quickly and don t make any mistakes.

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Fortunately, it didn t last long, only three or four seconds.It s not good for me to suffer and to embarrass you.

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Breaking through, a group of people came to a gate unimpeded.This is a powerful phantom formation.The stone tablet should be a formation node.

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A round of scorching sun hangs high in the sky, and the sun s brilliance shines down, making the small world more vibrant.Fenyan Palm and Frost Mian Palm restrained each other, Wang Xuzong s skills were better than his elder brother s, Wei Xiaoxiao couldn t take him down, so he had to force Wang Xuzong back with two palms, turned around and jumped to leave the palace.

Damn it, let them escape, it s a pity that they have Lingbao in their hands.Calamity, now the Myriad Beasts Mystery Realm has been occupied by monsters.

Not long ago, he heard that there is a treasure in Yunhuang Daze After the birth, Fang hurried to this branch.This large formation can no longer attract much power from the stars.

Then the giant red snake became excited and put down its guard and approached Xu Yang.Xu Yang quickly broke the restriction and put away the thousand year old puppet wood.