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 solución de ingeniería de software integrada de Siemens para la industria automotriz finalmente traslada el desarrollo de software incorporado a su lugar apropiado, como parte integral del ciclo de vida completo del producto.
El cambio climático es uno de los mayores desafíos de nuestro tiempo, y requiere una respuesta colectiva y urgente. La modificación genética de plantas emerge como una opción atractiva y viable en la lucha contra el cambio climático, ofreciendo la posibilidad de aumentar la capacidad de captura de carbono de manera rentable y sostenible. A medida que la investigación avanza y se exploran nuevas tecnologías, es crucial mantener un enfoque integral y colaborativo para abordar este desafío global y proteger el futuro de nuestro planeta.
A weird smile appeared on the corner of his mouth and he said sinisterly It s too late Now that we re here, keep the heads As he spoke, the black robed ghost cultivator played the bone flute, and a dense swarm of bats, numbering hundreds in total, flew out of the black mist in an instant Achieving Restful Sleep with Gummies from Walgreens: A Comprehensive Guide to Restful Sleep Gummies Walgreens (tBZhX)
A small number of them are sixth order poisonous demon bats, and more are fourth and fifth order ones, but they have a cultivation level comparable to that of a monk in the foundation building stage.
No wonder the old patriarch rushed to Huangsha Island overnight to discuss the plan to jointly fight against the East China Sea Monster Clan.Fortunately, The Benefits of Vena Lights Out Sleep Gummies for a Restful Night's Sleep (eNliA)
these dozen golden elixir demon corpses, although their corpses are hard, powerful, and tireless, are still demon corpse puppets who have lost their minds.
The city gates, post stations and teleportation arrays were all shining brightly.Qingwan He smiled at Xiao Tao and the others What s wrong with Lu Chuan How could he know Exploring the Benefits of Nuleaf Naturals CBD Gummies: A Comprehensive Guide
how powerful his master Feng Banner is He mistakenly thought it was a poison banner, that s fine.
Zhilan, you should listen more to Brother Ye in the ancient fantasy Discover the Power of Zen CBD Gummies: Benefits, Reviews, and More
world and ensure the safety of Baihua Girl.This is barely possible but gathering together in one place and escaping is inappropriate.
After leaving the boundary of Moyun Village, Mr. Chu immediately took out a huge wine gourd from his storage bag.Now we can see It s great to have a sister and a brother in law For the first time, Ye Ling saw the majestic and bearded leader of Moyun Village.
Let s take him Making a puppet is eliminating harm, and killing evil people is a good idea.But the three of us are new here and can only live in a room alone on Qingmang Mountain.
Dan. Unexpectedly, what Chen Guirong gave him back was a clam bead the size of a fist Crystal clear, the water aura is extremely rich, and it faintly exudes How Do I Take Keto Gummies for Optimal Weight Loss Results: A Comprehensive Guide
a layer of azure light.she is the sister of the wife of the owner of Moyun Village, Miss Qu Er This is my cousin Su Wan, the owner of Zuihua Village.
Why not Mr. Zhou finally nodded Yes What you said makes sense.It turns out that this is also Shi Zun s arrangement.
But she still imitated the image of Apple Cider Vinegar and Cranberry Juice Weight Loss: 3 Effective Strategies for Diabetics
Ye Ling in her mind, trying her best to remain calm, with a pretty face, and said coldly Huh It s up to you There s no telling who will win and who will lose, my aunt is not afraid Grandmaster Ye He is famous all over the world.It s just that we just resisted the attack of other barbarian tribes and saw that they kept claiming Zhu Guo.
Su Ye walked forward, and then took out a mysterious talisman from the talisman bag.I just want to play a game quietly, why do I have to do this Su Ye lamented.
All the jailers showed disdain. This is indeed shocking information, but no one takes it seriously.Okay Liang Long patted the wine jar and said, Your kid s brewing skills are getting better and better.
But did Su Ye really leave Gabion City to collect medicine Isn t this a disease Isn t it possible to directly acquire them 10 Surprising Ways Can Apple Cider Vinegar Help in Weight Loss for Women Over 40 in 2025
in the World of Undead Prison and the World of Word Spirits It would be better for Su Ye to just buy some herbs than to go to the mountains to collect herbs after exhausting work.
I just want the boat. Two thousand and five thousand is more fair.Many bosses in the Golden Core stage, and even the Nascent Soul stage, often make do with some inferior mustard seed and Xumi magic weapons.
When they arrived at the place where the spiritual crystals were being mined, Su Ye looked around.Especially since Su Ye uses medicine to refine his body, it is necessary to adjust the use of elixirs according to the state of cultivation.
A large amount of Yin Qi surged out, blocking the silver wave, but he also missed the opportunity to catch Fei Se.But the drowned ghost was as excited as if he had been injected with chicken blood We are rich again.
If you have a big one, you can be obedient and endure it honestly, but if you have a small one too, then you are not turning into a salty fish.The principle of its efficacy is very simple, which is to convert the powerful medicinal properties into spiritual energy to help the cultivator break through and successfully build the Foundation.
After Su Ye finished speaking, he jumped off the wooden platform with a smile.The two solstices return to the nine palaces. If you can understand the principles of yin and yang, the world will be in the palm of your hand Su Ye muttered something, quickly burned the purple gold talisman, and then Nourishing Your Appearance: The Benefits of Hair Skin and Nails Gummies for Men (NoOZR)
shot it into the air with a palm.
But people have to be able to afford the flying boat.Such a comparison can immediately tell the difference.
Although it was unexpected, Exploring the Benefits of Happy CBD Gummies for Overall Wellbeing
it was not unexpected. What kind of accidents can happen in a secret place of this scale It s common sense.Therefore, if it is just because the aura of the Sea of Hundred Yuan is rich and pure, it will not have much effect on Yin attribute elixirs.
It seems that Mr. Liang really loves his son very much.So she could only stand behind others and look at Qin Feng helplessly and guiltily.
People who come from such a small place can only be so careless.Dou Longyang looked at Chu Tiankuo above with a sullen face.
As soon as they returned to Splashing Star Hall, they were detained separately, and there were separate The Benefits and Effects of Flora CBD Gummies: A Comprehensive Guide
people who were specially interrogated , but in fact they were doing ideological work for them.Qin Feng s mouth twitched slightly when he heard it Don t tell me that you are in Shanghai too Nonsense, otherwise why would I call you Zeng Keyi got straight to the point I have a few activities in Shanghai recently.
There is no other choice except him and Wu Meng. Next, should I agree to their cooperation Chen Chuqing asked Qin Feng.Zhang Quyang and others were stunned, but they didn t expect Xu Hailin to suddenly Let go.
He will definitely be embarrassed later. It s not convenient for him to reveal his identity now, so he can only rely on us to help him.Xiao Feng, help me get into the wheelchair. The sound of Chen Chuqing s high heels could be heard The Impact of 100 CBD Gummies on Health and Well-being
outside the door, so she should go and take a look first.
Dou Yi directly took Qin Feng s hand Did you hear it Senior Sister Sun said that you are The Benefits of Ordering CBD Gummies Online: A Comprehensive Guide
no longer an opponent, so don t think about dying.If I still don t appreciate it and insist on risking Miao Jin s life, it would be too shameless.
Miao Jin didn t bother to talk to him. He just stared at the people in the Martial Alliance, as if looking for the next prey.Miss Zeng walked slowly. After saying that, he immediately Ask An Jiuxiao and Miao Jin to get out of the car.
This kind of skill is probably rare in the world, and among the sects Inside
If he is someone from the sect, then he should also know Dai Ruolan s identity.Seeing her daughter struggling desperately to no avail, she shouted desperately Let go of my daughter Chen Xinrong snorted coldly Haha, when dealing with a thief, there is no need to talk about bending the law.
Okay, okay, Unveiling EZ Weight Loss Pills Reviews in the USA: Real Users Share Their Experiences
okay They say that our Dragon Kingdom s martial arts are weak and we have no successors.After saying that, Sister Qing stood up with a lazy attitude I ll go down and take a look first, otherwise it will cause too much trouble and affect other people.
She would never be able to sleep well in her life. It would be best if she could slap those slaps back herself Chen Chuqing simply ignored her gnashing of teeth.Xuanyuan Feng said yes , took back the sword, and squatted down.
She quarreled with Mrs. Bai in public, and there were no rules at all.It was spread out, but it was enough to shock all martial arts practitioners.
But don t think that you really have it. How awesome, from now on, I will take it seriously She clenched her fists, and her voice could be heard by the whole audience.This is absolutely intolerable to Wu Mian. This is a slap in his face.
So much murderous intent
Qin Feng stood there indifferently, holding Chen Chuqing s hairpin in his right hand, reflecting the figure of Haiyuan 2025’s Definitive Guide: Reviews on CBD Gummies for ED and Their Impact on Men
Li in his bottomless eyes.Qin Qin Feng nodded politely Auntie. I don t dare to call you auntie.
Qin Feng never said anything, just stood there and looked at Wu Mian calmly.
Ye Ling s eyes narrowed, and he immediately took out a jar of specially made sleeping spirit wine from his storage bag.readx While Ye Ling was in seclusion at the Guiyun Inn in the capital of Wu Kingdom, in addition to practicing spells, he also made alchemy day after day
Every few days, Yu Ming and Xiao Tao would bring various spiritual herbs they collected to Ye Ling.
At dawn the next day, suddenly, a clear roar came from the cave where Wang Shiyuan was, and the door of the cave burst into pieces At the same time, the world became dark The sky was clear just a moment ago, but in the blink of an eye, calamity clouds are coming and dark clouds are gathering Ye Ling suddenly raised his head and felt the killing power of the Heavenly Tribulation that he was very familiar with Lowfat Healthy Recipes for Kids Who Need to Lose Weight: Nourishing Options for Youngsters, Connecticut 2025
He also saw that the calamity clouds with a radius of hundreds of miles were indeed much smaller than the calamity clouds that he had experienced for thousands of miles.
Now, the battle in the East China Sea has begun. It s about to stop.Master Su said leisurely You can do whatever you want.
Even though it was on Yemei Mountain in Moyun Village and was regarded as a treasure by Mrs.Even the strongest team led by Young Master Zhou Mingzhao on Thursday was hesitant.
The senior brothers and sisters clenched their hands tightly, and their excitement was beyond words.It was red in color, like a piece of ruby, and the aura emanating from it blended with the formation barrier on the back mountain.
The Zixiao Peak where the master is now is sealed Dongzhuling Mountain is also having a hard time.No, I m not afraid of people laughing their heads off Pavilion Master Cui said with a grimace You don t know something, but the capital of Wu State has concentrated all kinds of resources in Wu State s immortal world, and there are too many people traveling from south to north, doing business and selling.
Can you come back on time Ye Ling followed the trend and said with a smile Okay Please give the order, sect master.Based on his understanding of the Kelly Clarkson’s Weight Loss Secrets: How She Shed Pounds and Regained Confidence
Qingming Curse, a puppet making method, he could vaguely guess how these demon fish became puppet fish.
I ll give you a batch of spiritual herbs and you can go back to Laiyang City.Ye Ling stared at them coldly and said coldly This demon corpse belongs to our team.
If you hadn t absorbed too much power of formations and self destruction restrictions, we still wouldn t be able to rush to this demon sealing platform.
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.