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 instalación de una solución completa para el fin de línea de Coca-Cola Bottling en Indonesia, incrementó en 50% la eficiencia de la línea en una de las empresas de producción de bebidas más importantes del país.
La tecnología de drones y la automatización están impulsando una nueva era en la industria minera. Desde la exploración autónoma hasta la optimización de la
IDC calcula que las empresas dedicarán al menos 28% de su presupuesto de TI a la contratación de servicios en la nube durante 2017, con lo que inician la transición a un modelo de consumo bajo un esquema de Opex (gasto operativo).
The ghosts of the dead subordinates of the Saint are still lingering in front of the Demon Saint Palace.Hongtang looked at it and sighed again and again. He thought that when he was in the Demon Flame Palace, Su The palace master is enough to show off, but I never imagined that there is a sky outside the sky, and the strongest among the strongest is the Xtreme Fit ACV Gummies Reviews: Unleash the Power of Apple Cider Vinegar for Weight Loss and Energy
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Tao vowed.Senior Transformation God has been wiped out since the battle of Hanhai.
How is it Can Sanmei be saved Lu Binglan She asked cautiously, her usually cold and pretty face still stained with tears, full of worry.Devil Seize the time and seal the wind flag Ye Ling unfolded the demon sealing diagram, resisting the strong mountain wind of the wind flag, and walked through it step by step with difficulty.
His consciousness penetrated into it. He couldn t help but narrow his eyes.In addition, it is very powerful and difficult to deal with.
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if there was anything strange.Hey Red Fire Green Tailed Leopard, how dare you disobey orders Ye Ling raised his eyebrows and suddenly sent out his spiritual thoughts It frightened the red fire green tailed leopard into retreating and crawling on the ground, wagging its tail and begging for mercy.
Speechless Nine levels of foundation building, nothing more than that Ye Ling walked out of the Boosting Immunity with Spring Valley Adult Vitamin C Gummies: A Comprehensive Guide (RkFly)
blue blisters of the Water Concealment Technique Dancing beside him was a blue crystal colored sixth order butterfly king, with its wings spread out and carrying a biting cold wind All the girls were shocked When Ye Ling and the little witch Su Caiying were confronting each other, they had seen the ice butterfly resting on Ye Ling s shoulder, but they never expected that the little ice butterfly had such powerful freezing power The master is wise and powerful All the water is hidden behind them.
He had made great achievements by killing the demon lord Zhang Zu He looked at Ye Ling with great admiration.After the disguise, he looks like an ice demon cultivator that I saw in the early years.
As Ye Ling spoke, he drove his sword light straight to the southwest corner of the illusion formation.He had to figure out the whereabouts of these spiritual flowers before he could start, so he ordered the Red Fire Green Tailed Leopard.
Hahaha The green and black fish demon laughed proudly Look at your thick black scales and the Inside Kelly McGillis Weight Loss Journey: How She Overcame Setbacks and Found Success
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ah Before the green black fish demon could finish speaking, suddenly, the demon crocodile puppet suddenly swung its tail, and the thick crocodile demon body slapped heavily on the blue black fish demon s fins.
Lu Binglan let out a breath, then frowned again, turned to Ye Ling with autumn eyes, and sighed quietly I beg you to take action personally to heal the third sister.When the little witch Su Caiying saw Ye Ling deliberately stalling for time, her Managing Blood Sugar Levels with Blood Sugar Reducing Gummies: A Comprehensive Guide (IOzJt)
heart sank Her current magic power could not sustain the Purple Ink Fan for too long.
Ye Ling looked up at the three caves on the top of the mountain, and then arranged a shadow formation to block the clouds and fog, so that the top of the North Mountain was surrounded by clouds and fog, making it difficult to see clearly from a distance.Not long after, many skeleton puppets gathered from all directions, and several golden elixir stage ghost cultivators hurriedly arrived.
When the time comes to land on the island with me, he won t attract Tantai Mo Ye s attention.Wei Tong stepped forward and greeted Fourth Young Master Senior brothers, you are the ones who have run the furthest.
Number of ten people The leader was a middle aged Taoist priest wearing a black Taoist robe.Just inquire about the enemy s situation and come back safely.
In his eyes, the spiritual power lines were marked by IBMz15, and the relationship between the nodes and Unlocking Weight Loss: Choice CBD Gummies Reviews from Fitness Enthusiasts
the spiritual power lines was clarified.Li Shiming s mind entered the body of Silver Corpse Nanming, and used his identity as the master to completely control Silver Corpse Nanming.
They were inside the cave and were not restricted by the formation outside.Li Shiming saw that this was not possible. If he let the little chicken go, he would leave the Cave of Ten Thousand Beasts in one day, and his entry into the Cave of Ten Thousand Beasts would be in vain.
He shared the vision of the split soul through the main spirit and saw the familiar transparent flying boat, which was the standard flying boat within the Holy Ice Sect.But when Li Yuanba injected spiritual power into the Six Yang Spiritual Fire , it strengthened it.
It was a golden corpse with a dark golden body. The golden corpse was restrained by the sword net, and its speed was affected, Natural Bliss CBD Gummies for ED: A Comprehensive Guide to Potential Benefits and Usage (ENqsD)
allowing the ancestors of the Nascent Soul to see the whole picture clearly.Just when Xu Chuan was about to use Blood Escape, a sword light suddenly flew out, threatening his body and fleeing into the distance.
He returned to the island and began to search every part of the rocks bit by bit.When Li Yuanba saw this person, he didn t notice what he looked like at all, because in his perception, the person in front of him was not a monk at all, but a long sword in a scabbard.
Falling Rock, a range attack spell, is a powerful spell among earth spells.This is indeed the best place to make friends, where monks can find like minded monks and have an exchange of ideas.
How could he not be clear about the North Sea Even the Golden Core cultivators dare not say that they are 100 sure of crossing the North Sea.Yin Shilan could only obey her father s orders, and she didn t even have any alone time to accompany Li Shiming on tasks.
The Fresnel lens focuses the reflected sunlight on Li Shiming s body, allowing him to fully receive the sunlight reflected from the two tall concave mirrors.He didn t know how to close the Soul Gathering Plate, and he didn t dare to forcefully take the four luminous stones.
Li Shiming watched as he walked, focusing on the situation of the life lamp.After he got the news, he also became interested. Sex Bear Gummies: A Comprehensive Guide to Enhanced Intimacy (TcOKn)
How could a refiner with a heritage of refining pill furnaces end up in such a place.
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before a genius monk becomes a golden elixir.Once activated, the weapon calamity will come. His current combat power is strong enough, and he has minimal need for the flying sword magic weapon.
This also aggravated his injuries, from ordinary backlash to serious injuries.Let s take a look at the situation Li Shiming was still a little hesitant.
This is a genius cultivated by Tianhai Sect. Monk. Junior Brother Li, you formation masters are still rich, and this flying boat is of higher quality than mine He Chuan did not have the aloofness of a genius monk at all.The thunder method was performed by one great monk, five mid stage Nascent Souls, and thirty early stage Nascent Soul Lei cultivators.
He gained face in front of many Nascent Soul Ancestors, which put him in a great mood.At least his two ancestors, Luo Wei and Jin Kai, who were in the middle Nascent Soul stage, have not mastered magical powers.
Even the number of monks killed directly by the Thunder Cloud Technique is less than the number of monks killed by thermite.When unable to resist, they will take the initiative to show weakness.
If you really want to believe in the help of your companions, the only possibility is that Yuanying is imprisoned and becomes the furnace for the other party to refine magic skills, and all your wealth falls The Benefits of Before Sex Gummies: Enhancing Intimacy and Pleasure (ixegy)
into the hands of the other party.He just wanted to let Ancestor Weng Zhao stay a little longer.
Click Two crisp sounds sounded almost at the same time from the surveillance video.On a pure white background are rows of small black characters.
Song Xiangdong patted him on the shoulder and said, Okay, let s go.Haha. Beep, beep, beep
A busy signal came. How could Lin Beichen not hear such an obvious rejection He looked at his counselor helplessly.
Say, say, I ll say Tuoping was afraid that if he was too late, his head would be moved, so he quickly told the location of the five detectives, and he said it in detail, fearing that Lin Beichen would not be satisfied
I ve confessed everything. Do you think
Crack Before Tuoping could finish his plea for mercy, with a crisp sound, his neck was pinched by Lin Beichen.
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s really a knife to pull the butt, it opened my eyes Don t wait for their reaction.Now that this was possible, he wanted to try it After all
he has a heaven defying talent for understanding. Can you at least understand that only those who practice cultivation are qualified to be called defying heaven
Lin Beichen looked at the thunder and lightning that was still flashing outside the window with bright eyes, but half a day passed, and the feeling before could never reappear.
Teacher Yamamoto, what s wrong with you What happened Is Principal Nohara inside As he spoke, Teacher Yamamoto had already run to the door, holding his knees with both hands and breathing heavily.Huaqing University came uninvited and asked, I heard that the first person in the history of the college entrance examination newly recruited by your school has begun to study metaphysics Are you going to be a fantasy hero and cultivate immortality Family members, who knows Lin Beichen from our school is famous again, this time in a black and black way Lin Beichen, right How could he have such Considering Which Weight Loss Surgery is Best For You: 10 Points to Evaluate
outrageous ideas
Posts come one after another. Soon, a post with five words Revelation Summary Post was quickly pushed to the top and never fell down again.
Is there
someone Are you really guarding someone here Climbing this cliff with bare hands How did he do that They didn t know anything else, but they knew that the person they saw in front of them was definitely not from the organization.The president of Teito University came to our dormitory on the first day of school.
u
Grandpa is dead. Why are you suddenly mentioning the start of school
The main peak of Longhu Mountain towers into the clouds, and Tianshi Mansion is located near the top of the main peak.Such abnormal behavior attracted the attention of the old couple, who paid close attention to what was going on in the room.
The next moment. He wasn t given any time to react.He felt
This might be the best time to take action within the fifteen minutes the spies had focused their attention outside and relaxed their vigilance inside the supermarket.
Seeing that the exit was not far away, everything was going so smoothly, he had even started to hum a tune, but suddenly he saw Lin Beichen walking towards him.If he was in If he doesn t come down from the mountain, the only thing waiting for him is death.
He quickly put his hand in front of Tang Ru s eyes, raised his little finger, and said with a smile, I can hook up with you.He was struck to death by lightning, and Lin Beichen happened to be there at the time.
Lin Beichen s idea was relatively simple. He just wanted to know what level his physical strength had reached now.It s too late. Lin Beichen has worked really hard these days.
And I didn t do anything just now. There is no breakthrough.Some said that Lin Beichen was deliberately hyping himself up by taking advantage of the lightning striking the door of the stadium.
When they heard gunshots rang out one after another in the supermarket
They didn t think as much as Song Xiangdong, but the results they thought of were the same as what Song Xiangdong thought Hu Xianyong immediately replied Yes At this time, all the police and detectives had already arrived at the designated location.
He first went into the sea to do plank support, and then practiced the two kinds of martial arts.Was there something wrong with his Subgenix Keto Gummies vs. Keto Pills: Which is Better for Weight Loss?
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After saying that, he and Lin Beichen swept their eyes over them, and then without any ink, he simply said directly Look, you choose from them who you think are suitable for cultivating immortals.see if we can gain anything. Qian Yi thought for a moment and nodded.
Lin Beichen had basically determined that he was going to Shenzhao Country to participate in academic exchanges, and thought that this was really good news for him.The agents removed the explosives and threw them into the pile of explosives, then waited for Lin Beichen s next instructions.
Visualizing from the position of deepening the swelling to the next position where the swelling needs to be deepened is counted as one round.Where could the electricity come from On the other end of the phone, Forensic Doctor Wang stood in front of the trafficker s body.
The other black robed warrior sneered and continued to stab Luo Zhennan with his sword.Luo Chen choked, feeling suffocated in his heart. He looked at Li Yuxi, who was as tall as the tip of his nose, and a hint of cunning flashed through his eyes from time to time.
He planned to look around first. Arriving at a counter selling minerals, Luo Chen saw that it was filled with minerals of various colors and some powders and liquids.The corpses are generally the same. As for these three living people, in addition to the woman just now, there is also a muscular man and a white faced scholar holding a folding fan, but these two people are staying in the kitchen, playing with a large vat of bright red blood.
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Once patterned steel is sold on the market in Wulingguan, it will be immediately sold by the people in the General Mansion.Wait a minute Luo Chen looked at the waiter with a half smile, and pointed at his glass of wine You can taste it, but after you taste it, you have to drink the glass of wine.
Father in law, you re so polite I wonder what your father in law s name is Luo Chen cupped his Helping Your Little Ones Sleep Better: The Benefits of Toddler Sleep Gummies (zRcyD)
hands and did not look down upon the old chamberlain because of his physical disability.However, several disciples refused to listen and still restrained Han Xiaobao and dragged him to the stairs.
With curiosity in his heart, Luo Chen swung his knife and went to deal with the scorpion tail.But after a while, the covering hemostatic powder was wet with infection again, and the wound still showed no signs of tightening.
Although these direwolves smelled it, they were confused for a while and could only growl aimlessly.but now Zong Qian doesn t want to be a coward anymore.
Seeing this, Luo Chen smiled bitterly in his heart, but he didn t want to offend his aunt for the first time, so he rolled his eyes and said, Auntie My master asked me to practice martial arts with him and strive to break through to the innate Liberty CBD Gummy Bears: Benefits, Reviews, and Comparison
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The Purple Mist Guards are taking the measurements, please cooperate.Father Why are you here Yin Anzhi stood with a smile on his face and bowed.
Luo Chen took the invitation and read it. Ever since Luo Chen revealed his strength, Luo Tianhe would occasionally take Luo Chen to deal with matters in the villa.But at the plank road, the two Naiman soldiers standing guard did not know that at this time, a black figure was touching the stone road and rushing towards the stone road as fast as flying.
It is true that the Intelligence Hall of Ziwu Villa has only been established for a short period of time.The vitality pill melted in his mouth. After a while, a large amount of qi and blood was produced in Luo Chen s body.
Hmph How dare he Master Zong looked disdainfully at the direction in which the bandits were leaving, and then said with a sly smile Kill them all as soon as this matter is over.After a successful attack, the gray robed warrior among the two did not stop at all, and turned to attack Luo Tianyu, who was slightly stronger.
Fang Yu behind him twitched his eyelids when he heard this.There are two dark red groove lines on both sides of the smooth blade.
Chen I really envy you He gave birth to two sons, one better than the other.Not to mention the eight ginkgo fruits, he put them aside for the time being.
Haha Then I would like to thank all the seniors and all the comrades in the world of martial arts Luo Chen smiled and bowed his hands to everyone.When the Balrog Bear rushed in front of him, the Iron Arm Monkey s eyes suddenly turned golden again, and his arms doubled in size instantly, with a golden sheen on them.
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and the other three people who followed Luo Chen out of the yard looked at Luo Chen s back and said nothing.The old man in white, who had personally experienced Luo Chen s shot, knew deeply what that shot meant.
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.