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.
Erich Wetzel, líder de la Amti, participó en el 9° Foro Nacional IMEF de Infraestructura, en el que se ventilaron acciones clave encaminadas a ofrecer respuestas a los retos de la demanda de servicios de punta.
Centinel-5 Precursor suministrará al programa Copernicus información esencial sobre la composición química de la atmósfera antes de que, en 2021, entre en funcionamiento el instrumento Sentinel-5.
Los usuarios del software de Bentley pueden presentar sus proyectos en el programa de los Premios Year in Infrastructure, independientemente de la fase en la que se encuentre el proyecto.
But Xu Qi an believed that there was a selfish eye for an eye in this.Mu Nanzhi choked for a moment, caught a glimpse of Xu Qi an looking at her, and immediately stared Are you very proud Huh What is this turning point Xu Qi an was stunned for a moment, and then realized that she was changing the subject.
Firstly, they can t offend Buddhism, and secondly, when they come to the border states, they need to be careful when dealing with such matters, and endure as much as they can.The voice is hoarse and sweet, and it tickles people s hearts.
After about two sticks of incense, a hot body approached, and Luo Yuheng whispered, The fire of karma has rekindled.Thinking of this, waves surged in the calm lake of heart, and a strong greed for dragon energy arose.
Nobody knew I was hiding there except him.The outsider, passing by here, clung to the orange cat and meditated for a moment, suddenly showed a dazed look, did not ask again, and said Master Chai, don t lie.Everyone s eyes lit up, and then they turned to questioning.
The spring is strong.In the elegantly furnished, antique study, a graceful woman wearing a light gauze sits behind the desk reading a book.Most of the high level Buddhists don t like Dafeng, because Dafeng is notoriously rambunctious.
Regarding this point, there are no more than three possibilities first, Xing er colluded with people in the family to confess second, Chai Xian is lying.Boom The third cannon fired.The monk Jingyuan jumped up and slammed into the cannonball, and he was instantly engulfed by the flames.
Although the two parties have reached an agreement, they are also suspicious of each other.You don t have to answer, just come here.There was no movement from Faluo, and there was no reply.
Seeing a strange visitor, the mother and daughter were a little nervous and vigilant.The two Taoist priests introduced themselves indifferently.
Get the eight hundred autumns of the year, get the eight hundred autumns of the year, Li Lingsu murmured.He whispered.The big rat turned its head and walked away.
Don t come to me in the future.This is a gambling shop.After landing on the shore, the orange cat raised her head slightly, twitched her nose, and smelled the faint smell of corpses.
These words were well founded and there was nothing wrong with them.However, this also shows that as long as the chicken essence is mass produced, it will definitely make a lot of money.
Number two didn t speak any more, it seemed A little angry, because the members of the Tiandihui were hating her and didn t support her.Sometimes when Xu Ningyan was practicing, he would yell at him Song Tingfeng, as long as you have a conscience, don t disturb Lao Tzu s cultivation.
Yang Chuannan repeated the question, and then said with concern What s wrong with you nothing.When this person became a watchman, he was still at the peak of the refinement realm.
The family extermination case in the Pingyuan uncle s mansion spread all over the court and the public today.In the Yamen of the watchmen, the person in charge of the torture is Nan Gong Qianrou, this The Benefits Of Snoozy Cbd Dxw110 Gummies For A Restful Nights Sleep Zvyyj 9dq5 dead shemale is very vicious, he created hundreds of inhuman torture methods, and ordered craftsmen to create more than a hundred new torture tools.
Immediately afterwards, four warriors who looked like gods and demons broke through the wall and led a group of soldiers to kill in.Sadness etched on their Cbd Gummies Ohio Pmzk Dufnpd39 faces, they were silent.Where s Ningyan Where s Xu Ningyan Song Tingfeng looked around in the crowd, but he didn t see his colleague.
If your majesty wants to verify Best Ntuc2 Cbd Gummies For Sleep 3vmv it, you can choose someone you can trust to empathize with the female ghost.The Tonggong said.Naturally, Xu Qi an was invited.
There is a smile Earth Farm Cbd Gummies Xyneqm4zu Pnws on the corner of the framed mouth, and the more she looks at it, the more fascinated she is.Moreover, our gangsters are different from these officials.
With the help of servants in the mansion, Zhang Yi packed clothes, dry food, gold and silver and other portable items.Miss Caiwei, I want to buy a house in the inner city.
After dusk, Layman Ziyang hosted a banquet for Governor Zhang in the elegant courtyard.3, who has spies inside the watchman s office, is the best person to turn to for help.
It turned out that it was Song Qing, you bastard, who ruined my plan to make money.No.9 No. 6 has been found.Currently, people are hunting for the yamen.
There are many taboos in Gua Sha, among which it cannot be used on swollen areas and cannot be used on ulcerated areas.If it s a neighbor, the battle to keep one side and leave the other side is almost the same as a battle between two parties.
Under this situation, Du Heng couldn t just watch without taking action.Du Heng smiled, Are you sure Wu Buwei was stunned. Is it wrong He lowered his head and thought again, yes, Aconite replenishes fire and yang, and mainly treats the deficiency of heart yang.
How Smartypants Adult Complete Gummies A Comprehensive Guide To Daily Nutrition 09bid5v Qvtfo Dl3a 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.She didn t find a chance, and couldn t laugh at her, but now it s different.
If they want to be treated in the capital, they have to find accommodation as close as possible, which is unrealistic.Later, the health center suddenly encountered an opportunity for development.
The female nurse, not even the slightest L06xpf Who Sells Cbd Gummies For Sleep 17x7 bit squeamish, followed closely behind Du Heng.As he spoke, Gong Daoyang looked at Qi Gang s He picked up his arm and put it down softly, Look, this is just like normal people.
Du Heng was silent for a moment, Let the child rest for a while, and we will discuss the child s treatment.Wu Buwei also quietly let out a sigh of relief. Really improved.
also very unsafe. As soon as he spoke, Li Qin was sent to the place, and Li Chengzu pointed to the ground and said, The operating room of our hospital has launched an intelligent slide intraoperative CT system, equipped with CT slides and automated transfer operating beds.That is also the dean, the person who earns 100,000 yuan every month, If you introduce anyone else to Xiao Heng, please raise Bioheal Cbd Gummies Yn5d Cost Pn06 your eyelids a little bit.
However, it can be considered that a skilled person is brave.Yu Haiting nodded to express his understanding, and then began to order Xiao Zheng beside him to open the examination list.
Yu Haiting sighed twice, and then asked Du Heng, Dean, I remember your prescription for treating ascites, right Yang Yuansheng used it when he had liver and ascites, but Yang Yuansheng and Liu Amei Blue Kaom Vib Cbd Gummies Hz22 are different.But at the same time, knowing that the thing she cared about most was not discovered by Du Heng, Fu Ya slowly recovered.
Du Heng slowed down his movement of holding the Dd8518m Cbd Gummies Bear Me Du2c needle, Don t rush me, don t get in the car yet, wait a moment , wait a minute.After that, he turned around and gave Zhu Fanzhong a few words of advice before leaving.
He wanted to answer Du Heng s question for the child.Although it is the second time, I still can t accept such thanks.
Zhu Fanmin also didn t close his eyes. He looked at Zhu Fanzhong and said, Don t worry.Let Gong Daoyang pose properly, When the anesthetic began to take effect, Du Heng came directly behind Gong Daoyang, lifted his left foot and placed 2dqdqwrgk Sugarfree Cbd Gummies For Anxiety Neux it on Gong Daoyang s stool, put his knee directly on his back between the shoulder blades, and then slowly held Gong Daoyang s shoulders with both hands.
This is particularly time consuming and time consuming.There was a murmur in Du Ping s heart, but before he had time to think about it, Du Heng stood up and said, Brother, I went in to play with Xiao Yi.
However, Yu Liao was still happy to let his disciple Tan Su show some other emotions, so she decided to let him raise the cat.Open.Earlier, he had seen senior brother Tan Su and this person confronting Zhao Xian very well.
He said, he reached into the depths with the hand holding her, and covered her back with the other hand, pressing down slightly Stopped her struggling.Su Mu didn t refute after these words, but he still said unwillingly, You think we want to collude with the demon world Back then, the old demon master escaped from our secret realm.
You will always be critical people, how could she, the critical master, ignore the critical people.However, Tan Su s next sword shattered his delusion.
No, it should be said that it Make Cbd Gummies A Comprehensive Guide To Creating Your Own Pvvhs Ybwm Icpo was the first time in his life that he saw such a beautiful woman, and in addition to the current restless Huai an Town, it seemed that it was God s will for him to embrace such a beautiful woman.On the night of your son s death, your daughter hurried out wearing the clothes of the servant girl in the house.
Yes.Yu Liao swept over the small long wooden box in Tan Su s hand, and the ruthless formula in the previous life was the chief culprit that made Tan Su turn into a fairy and fall into a demon.The person who came was a member Centrum Multivitamin For Men Gummies Cft9k34n A Comprehensive Guide To Supporting Overall Health Dxbmc Ngee of the Gufanshan sect, headed by Cijiu, his two sons, Gushuci and Gushu, were behind him, and behind them were a string of disciples dressed in their sect s costumes.
The two of them went to Senior Dugu again.Duguhuai gave Su Yan er some pills to suppress dumb souls, and said that he would develop the antidote as soon as possible.I just need to understand what I have to do to get revenge.
The younger generation didn t mean it, but the Taoist master is the guardian of the junction of the two realms of human and devil the critical point.
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.