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.
En un mundo donde la competitividad es feroz y la eficiencia es clave, el mantenimiento predictivo emerge como una herramienta indispensable para las plantas industriales que buscan mantenerse a la vanguardia en un entorno en constante evolución.
I tell them to rush up if they can. If they can t reach the top of the mountain, don t force them.I am the master of Shendanfang. I warmly invite you to come to my humble residence to ask for advice on alchemy.
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He was a physical practitioner who demonstrated the Tao through strength.They have different costumes and different cultivation levels.
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Ye Keqing Hahaha, the position of Keqing is already here.He seemed to agree with Lu Binglan s statement. He spread his consciousness comparable to that of the middle stage of the golden elixir and swept around again.
She finally took a breath and said in confusion Aunt Cheng Why don t we just leave with the sword light The sword flies away at a much faster speed.It was an eighth level high grade magic weapon. He was seen leisurely sitting on the wine gourd and flying out like lightning.
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Chu Yunzhong was so sad and happy that he couldn t help but sigh Chu s skills are not as good as others, so he is willing to be defeated Ahem, thank you Brother Mu for showing mercy.
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Thoughts flashed through my mind. And then
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I want to cry
but I can t. At twelve o clock at noon
The Lu Yang case was finally investigated. But the subsequent impact still exists.I lay down but couldn t fall asleep. Suddenly I felt that this job was much more tiring than being a security guard.
But
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From the framework to the structure, to the writing style and adjectives
The two of them
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These 30,000 yuan are the money I have earned from part time jobs over the years.Waiting It seemed to have become the most torturous thing.
What you can provide to others is too little
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He sat on the chair and panted
He remained silent and lowered his head. Everyone knew that he was in an extremely painful and even desperate mood.That time, they approved it for you
All that, it was a scene. Can it be approved with a small probability Illegal force refers to violating the provisions of the Mineral Resources Law, Zhang Sheng without obtaining a sand mining license, and retreating into the river without authorization.
In the afternoon, the two of them suddenly and awkwardly appeared at Yan Shihua s door at the same time.That is the road you paved for Zhang Sheng Starlight Future has come back to life after the end However, its movie tickets are still selling very poorly, compared to Racing and Racing.
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Over the years, he has been trying to seek innovation and change, but after a long time, he still looks like a bird.
Zhang, in the next month you will hand over the bad work one by one.When he opened the door, he found that the old computer had been wiped clean, and the place where Zhang Sheng s luggage had been placed was also empty.
It doesn t matter whether they graduate or not
The new teacher said all kinds of harsh words with a cold face, as if to establish his authority.After doing all this, Chen Mengting finally sat on a soft and comfortable chair.
It was changed overnight, yes, it was changed, and even in one day, the entire Weak Victory Mall was officially decorated at four o clock in the morning.
Su Ye said You haven t gone back yet The drowned ghost said Looking for the treasure.The next step is to find out what the resources in this world are like and see if they are profitable.
Boom Large cracks instantly appeared on the platform, swinging in all directions, forcing back the influx of blood.Otherwise, it will be a crime of disrespect to be sued.
Or he felt that Murong Jingyang was bound to die. Either they had to besiege Murong Jingyang.There are seven hidden changes. The door of life is hidden in the door of death.
And the beautiful woman also felt that she was making a lot of money.If he turned back and switched back to the small account, would he just dive into the sea to feed the fish This wonderful new world is just gone Of course Su Ye was not happy either.
As for the mutation pill, it doesn t matter. This matter has nothing to do with the techniques of refining medicine.Shopkeeper Rong said Does it have to be jewelry Su Ye smiled and said, As a seller of elixirs, it s normal that you don t know the secrets.
So far, everything has gone smoothly, but it was not beyond Su Ye s expectation.In the alley he pointed at, there was no trace of the Snow Sky Fox anywhere
The moon is bright and the stars are sparse. The national treasure turned over, trying to adjust himself to the most comfortable position, and then fell asleep.
Then, Su Ye remembered Bai Shitong s words, sat down cross legged on the ground, and started to move around
As the sky rotates, Su Ye closes his eyes and looks inside, and can clearly feel the lunar energy beginning to swim along his meridians.Unable to catch up, Su Ye could only go back to pick up Huahu, and then go to Chuhe Academy to find Luo Qingqing.
The secret realm of Taiyin should be opened soon Sitting cross legged on the bed, Su Ye closed his eyes and sank into darkness
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Why is it wrong Indeed, Mr. Chen is not dead. He said that he has never been to Jingxiang Tower at all.Even if they have rare elixirs and spiritual materials, it is useless if they cannot take them.
Most likely, there will no longer be Qinggang City in this wilderness.Breakthrough Six realms in the foundation building stage Su Ye took a deep breath and continued to circulate Zhou Tian, slowly suppressing the spiritual energy that had become violent due to the breakthrough.
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knowledge is not enough.Judging from Huahu s words, it is at least certain that the other party has no ill intentions, or at least not currently.
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elixirs at the same time and then combine them into one elixir.Is this guy a pirate The other party seemed to see what Su Ye was thinking, and quickly explained Brother, don t get me wrong, I m just a whale rider passing by.
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.