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 #demanda de entregas rápidas está en su punto más alto, y adaptarse a esta tendencia puede marcar la diferencia entre el éxito y el estancamiento. Con la entrega en el mismo día a través de crowdsourcing, tu empresa puede cumplir con las expectativas de los clientes, optimizar #operaciones y expandir su mercado.
Descubre cómo la entrega en el mismo día puede transformar tu negocio
Aeroméxico detectó la oportunidad de incrementar su visibilidad orgánica y, de la mano de Elogia, aprovechó la migración a un nuevo esquema de sitio y sacar el mayor provecho de su contenido.
El buen control de stock pasa a ser la médula de cualquier operación, es la columna vertebral de una buena operación, que no sólo sea escalable, sino controlable y rápida.
El gerente de Proyecto tiene que encontrar el balance ideal entre las acciones que sus clientes realizarán para mejorar el medio ambiente y los beneficios tangibles que obtendrá por las inversiones que realice al respecto.
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I will explain the matter clearly in public, and then the master will just testify for me.Jing Yuan was golden all over, like a sculpture made of gold.
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Obviously, the guys who are Xu Yinluo s enemies are not Yumu headed.The old Jiaoye shook his head and laughed No wonder I couldn t find him after searching all the inns, so this kid hid in the brothel.
And how to get out after success and after failure.No need Xu Qi an sighed They have already taken him away.
Hmph, we don t have Xu Yinluo in Fuyang County, otherwise a bully like Zhu Er would have been beheaded long ago.The old Taoist shook his head Young master, don t talk, leave the time to the old Taoist.
The correct posture is to watch the joys and sorrows in the world of mortals from the perspective of onlookers.Dongfang Wanrong was dumbfounded.She herself controlled a magic weapon called Yufeng Zhou.
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There is a fight outside.The magician of Sitianjian is helping us, are you going to rush out You want to die, didn t you see Dharma Guardian Vajra guarding the door.He clenched his fist and hit him hard over the head.
Wang Shoufu sighed with emotion for no reason.Xu Xinian s eyelids twitched, he was silent for a moment, and said How does the court plan to solve the matter over there in Yunzhou After Emperor Yuan Jing was put to death, two files were classified as confidential and sealed in the secret room of the cabinet.
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Li Lingsu s eyes widened, unable to tell whether it was disappointment, shock, or both.Our two sects have been friends for generations.Brother Lu is a friend we met by chance in the mountains.
By the time he finished his bath, it was already dark.From this point, we can get a glimpse of why Buddhism has two systems.
Hearing this, the little white fox shrank its head in fear, and stammered like Mu Nanzhi, What, what There are a lot of water ghosts.Disadvantages of Tang Zhugong.It would be great if the eldest brother was in the capital Xu Erlang was so emotional.
There was no working man in the family, and the quality of life dropped sharply.Before Jing Yuan could break free from Iron Corpse s embrace, three more walking corpses rushed over and knocked into the companions who were blocking the way, one wrapped around Jing Yuan s back neck, one hugged his legs, and the other Wring his hands.
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Now, not only at Good Friends Hospital, but also at other hospitals at the same level as them, the academic requirements for newly recruited doctors are all Ph.Zhu Fanzhong picked up the phone and prepared to dial again, while nagging his wife beside him.
We have been prepared for a long time and will set off immediately.After overall comparative analysis, we found that the situations mentioned above are just probabilistic events, but the probability is a bit high.
This patient s current condition is exactly the same as the symptoms of Brucellosis Brucella.Unexpectedly, Li Jianwei next to him spoke first this time.
Although the cold was caused by their own carelessness, they did not provide symptomatic treatment to the patient s heart, liver and kidneys.After controlling his emotions, Li Jianwei asked, Does the patient have any special arrangements today Du Heng shook his head, No, the external ointment has been re applied, just continue to take the decoction.
Hearing Wu Shengnan s anxious voice, Du Heng didn t Comfortable, but still relieved, This relieved me, and I quickly said to the old man, Old man, you have also seen that Nan Nan does not agree.As for what this situation is, he himself doesn t know.
Wu Buwei was a little puzzled. He looked at Du Heng.Hey, brother, why did you remember to call me Do you want to buy me a drink Let me ask you something.
Use it and what is the dosage. Compared with the two general papers last year, this kind of detailed research on the topic really cost Du Heng his life.How can I become Western medicine when I talk about people s body reactions Besides, I use Chinese medicine to tell you, do you understand Du Heng winked, brother, this is not What I tell you is for Qi Gang s wife and children.
And he took the other two prescriptions and started busy.I hoped that this old doctor could remind Du Heng not to make mistakes during the operation and stop it in time.
Zhu Fanmin was so angry that he pointed at Zhu Fanzhong and cursed, You don t have a clear mind.Comparing Wu Buwei s performance at this time with Han Yujian s performance before, it was so different that it gave him a little comfort.
Seeing the two people crying, Du Heng, who was squeezed away, was furious.
This shows that Duda s mind is clear at this time, and he knows what he is doing, which is different from the last time when he was high.Another issue is funding. I will distribute appropriate amounts to everyone based on their contributions, but I will use more money on patients.
Du Heng stopped and stood up, If I want to go to work , you d better wait another three to five days to recover.The medicine has been delivered. Jin Zan was relieved and said quickly, Okay, okay, it s just in time.
As a first level health center, not only It s as simple as treating patients, but it must also be responsible for the medical and health care of the entire township.If the soil is not fertile, it is common for them to grow for four to five years.
I just ask you to lay a solid foundation for the children.When the woman came in and saw that it was a male doctor, she immediately exclaimed, Why is it a male doctor The rest was the same explanation as before, except this This is a patient with breast nodules.
And the most important thing is that many of the current doctors and nurses in the health center are established or transferred from other health centers or community hospitals.Secretary Bai s medicine is mainly used to go through the liver meridian, with a light but large amount, achieving rapid detoxification without increasing the burden on the liver.
Come on. The person who spoke turned around and left first.If you disagree with his diagnosis, you can discuss it with him, or you can come to me.
He agreed, but Du Jun didn t let Ban Xian er leave, which showed that he was still worried.Doctors, can Mr. Zhang treat my disease Wang Qingpeng He glanced at Du Heng and immediately answered with a smile, Don t worry, Mr.
I drink all night every night, and I have to grab a beer when I get up in the morning.Du Ping on the other end of the phone may have guessed what Du Heng was thinking, so he repeated the current situation of Du Jun s wife and the attitude of Du Jun s family.
She wanted the money she paid to get her money back.Du Heng then wrote the prescription, noted the dosage and usage, signed it and handed it to Dr.
Let s send him down now. Zhang Dewen was in a dilemma now.Later, through connections, I found an expert from the Provincial Traditional Chinese Medicine.
You and this lawyer Zhou probably have not had a fatal friendship.what to do Dr. Ma sighed. If this had happened before, he would have made the same choice as the doctor in the clinic, just prescribing some Qi deficiency medicine to fool him.
The orthopedic inpatient department of the Provincial Traditional Chinese Medicine Hospital has the hospitalization settlement hall and some laboratory departments on the first floor, the exhibition room on the second floor, the archives on the third floor, the recovery room on the fourth floor, and the operating room on the fifth and sixth floors.
He is a Western medicine doctor. The director of the department also had to be respectful.But if you take too much medicine, it will only warm the liver and kidneys, so that the abdominal contraction muscles will not be relieved.
Du Heng nodded with a sullen face, resting his elbows on the table, using his two index fingers starting from his eyebrows, then scraping all the way over, and touching his temples Stop and rub.But Du Jun grabbed Du Heng again, then hurriedly entered the door and took the two gift boxes that Du Heng brought at the door, which were the six treasure porridge and the Best Gummies for Sex: Top Picks for Enhanced Pleasure Iron Horse Erectile Dysfunction special gift box.
Well, he found his savior. Then he quickly picked up the walkie talkie.
After leaving the mountain, Du Ping s unique attire immediately attracted the attention of those who had left the mountain, and they all came up to him laughing and joking.Zhang, could not stop a young man from out of town from kicking the team.
After reading Then he whispered, Banxian er asked for four thousand, and finally agreed to three thousand.Du Heng pointed at Director Jia, Director Jia is my first contact with a patient who has just suffered a stroke.
After scanning a circle of people with different expressions, the dean cleared his throat and then said slowly, Everyone, the people who are here for the meeting today are all the core members of our hospital who hold the title of deputy director or above.What a beautiful idea. It s just a five minute scene, can t we film it together Then we can go to other attractions.
Dr. Du continued. Regarding Zhang Dewen s attitude towards Du Heng, Du Heng himself had no feelings at all.
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.