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.
VeriTran, a través del servicio VeriTran Mobile Payments, brindará soluciones que permitirán a los usuarios de Visa contar con una billetera virtual segura en sus dispositivos.
Los servicios de monitoreo de condiciones de HID permiten a las organizaciones generar un análisis predictivo y práctico para lograr un desempeño óptimo de máquinas expendedoras, cintas transportadoras, sistemas de calefacción y refrigeración y equipos médicos, entre muchos otros equipos.
La tecnología actual puede ayudar a desarrollar y sostener modelos de negocios nuevos y se ha vuelto cada vez más sofisticada. La puerta se abre y es el momento de ingresar.
After the idea of the Chamber of Commerce appeared, it lingered in Su Ye s mind.This means that even if Su Ye doesn t guard Wang Jinglong, it doesn t matter.
You can t say which one is more important between the two, or that they are equally important.No the little girl said anxiously, We can t let him eat Huahua
Su Ye said helplessly I spent more than a dozen spiritual crystals just to eat it There is no such reason.
After going to the other side of the red soil, he could also find new elixirs and spiritual materials.Suddenly, there was a sound of breaking through the air from the side, but it was two vines wrapped Vigor Vita CBD Gummies: A Comprehensive Review of Benefits and Side Effects
around the stone wall, suddenly smashing in the direction of Su Ye.
In the blink of an eye, Su Ye was sweating profusely.Fortunately, there are many elixirs in Su Ye s warehouse , so it is just enough.
Inside the trapped dragon hall. Qing Mo laughed Sleeping Gummies for Pregnancy: A Comprehensive Guide to a Restful Night's Sleep (uvbdP)
loudly and said I m telling you, it s my master who has returned.However, it is obviously not that simple to achieve a breakthrough Opening the spiritual stage and nourishing the soul is a transformation from the cultivation of the physical body to the unity of body and spirit.
While Su Ye was thinking about it, the national treasure had already swatted away the mandrills.Yeah. Su Ye really couldn t refute this. No matter how good the lecturers at Chuhe Academy were, they couldn t compare to the calligraphers.
Unless Yunyi City is destroyed, otherwise trapped Longtang is a Jedi.Lin Huaizheng said Those monsters may not necessarily come in the direction of Black Mountain.
The old man said while fiddling with his abacus. With thirty five spiritual crystals left, I ll give you another cart of green bamboo sent from Qinggang City, okay Okay.Su Ye quickly put a cattail leaf fan in his mouth, picked up a portion of the elixir and put it in.
Same. That s an unreasonable disaster While thinking, the Rakshasa girl s whip had already arrived in front of Su Ye.Don t be upset just because I told you now that something unexpected happened later.
Luo Qingqing smiled and followed the two of them. Chen Xian said as he walked Miss Luo is not in Tianjing, so why would she want to come to Yanjing to study at Chuhe Academy Although Chen Xian claims not to be Soothe Your Anxiety with Anxiety CBD Gummies: A Natural and Effective Solution
snobbish, he is definitely pragmatic.This is not a surprise. Liang Long told Su Ye a while ago that Lin Huaizheng has reached the peak of the ninth level of the foundation stage.
It s already evening, and it s time to find a place to rest.This can be regarded as Shuanghua Island s side business besides the illegal goods trading.
Children grow up very quickly, and there is an obvious tendency for national treasures to grow bigger.There is no solution to the fact that Yunyicheng has been unable to contact him.
However, Lu Yu ignored everyone and looked at the damaged stone statue with a solemn look.Look at this thunder catastrophe, sweeping hundreds of miles around, absolutely terrifying However, they didn t see it.
But at this time, everyone from Ding Heng to the Thousand Blade Sect, including Zeng Xuefeng, looked pale and gray.thigh. At this time, everyone s eyes flashed. This Lu Ziji, the situation is not Do CBD Gummies Help With ED? Exploring Natural Remedies
good
Bai Xixi, Zhuang Ling er and others despised these people for adding insult to injury, and were worried about Lu Yu who would fight with Feng Wentian.
However, at this moment, Xiaoyue felt a touch of regret in her heart.When Liu Wenge and others are strong enough to leave Cangshan Star, Zhuang Yuzhuang Ling er can also leave and come to look for him.
They will not argue with strong humans like them and just start killing with their butcher knives But Gou Rui felt that Yan Xunnan s reminder was too redundant.every year make them happy to see the results However, they are not unaware of how powerful the Cangshan Sect was thousands of years ago.
Then he was afraid of so many powerful people in the Golden Core stage and didn t want to fight to the death, so he retreated.Those who have achieved extraordinary cultivation at a young age must have a backing, otherwise where would they find the techniques and resources for cultivating immortals, the treasures of heaven and earth, elixirs, elixirs, etc
However, Zhuang Yu is a smart man and does not ask too many questions.
The words of the pretty little junior sister. This is a misty forest.The moment they heard that sigh, the Tianyuan Pavilion weapon spirit trembled and its light trembled.
Even outside figures like Shao Zhengqing, the Young Lord of Jingshui City, who have jurisdiction over hundreds of thousands of people, must treat them with respect and dare not slack off in the slightest.I hope Bian Zhihe can grow up and take over the important responsibility of Starfall Valley However, I never expected that the supposedly foolproof journey to the Emperor s Star would end up with people like Rong Shuang and Ye Tianzhen falling.
Boom But at this moment, the Tianyuan Pavilion, which was hundreds of feet tall, actually followed Feng Wentian s big move.But who is this kid He is just a mortal. To lose to him now is an unprecedented humiliation.
It had been blessed by countless Nascent Soul cultivators for thousands of years, and now it was a little unbearable The remaining geniuses such as Princess Lu Xiao and Princess Lu Yi were even more horrified.Since he was not from Jingshui City, he should be a prisoner Finding Restful Nights with THC Gummies that Help with Sleep: A Comprehensive Guide (lMuUg)
captured by Jingshui City.
The Bloody Hand Sect has always wanted to annex the Cangshan Sect, but the Cangshan Sect still has some secrets, and they have never been able to take it over.Yunyun s parents are herb collectors in the mountains.
Even when Lu Ziji was at his peak, he directly turned a large star field into a secret realm However, captive planets are at least something that only practitioners in the Mahayana stage can do.That s human nature. If you don t bully the weak and fear the hard, but only bully the hard, then you have already exterminated your clan.
His eyes were filled with an unbelievable look. This was a formation arranged by the God Lord Liu Yan who was later promoted to the Great Master of Void Refining.I dare not make my own decision. Please give me time.
Even the ancestors in the Nascent Soul Stage They are all very likely to perish.He was as anxious as an ant on a hot pot Princess Lu Yi also sighed Lu Ziji s legend is coming to an end
Even she did not expect that Feng Xin actually had such a trump card, it was really terrifying Divine Fit Keto Gummies | Increase Metabolism and Energy!
This Samsara Eye is said to be able to make immortal cultivators one or two higher realms fall into the cycle of life, death and disillusionment, making them unable to move.
Looking at it now, it is even more terrifying and powerful Damn it Senior Brother Feng Zhang just went through a wheel battle.I can protect you at all times You have killed so many people in our Shenghua Sect, you will definitely die I will leave your head first, and I will come and get it The Benefits and Reliability of Earlybird CBD Gummies: A Comprehensive Review (zLYtH)
sooner or later Lu Yu smiled nonchalantly.
It has Breez Cinnamon CBD Mints Review: A Comprehensive Guide to Relief and Relaxation (MGllM)
been stored in the main body of the palace for many years, and it has become more and more unfathomable This Half Moon Fan is a top grade spiritual weapon, even more powerful than the Tiancang Sword held by Feng Xin of Tianwai Sect.It seemed that this was not some blind cat that encountered a dead mouse.
Seeing that no one was chasing him, he suddenly breathed a sigh of relief and paused.
Come, and the Ghost King has only one thing to do, don t let his subordinates be bullied.Sword control
Of course Su Ye has to practice sword control It s like a young man who wants to relax.
Then
boom The earth is cracked The magical weapon of the Rakshasa girl was very powerful.This guy is a casual cultivator who has always been at home in all corners of the world.
The little white fox does seem to be smarter than the national treasure, CVS CBD Gummies for Diabetes: A Natural and Effective Solution for Managing Blood Sugar Levels (mTakk)
so he should have learned it by himself.The fifth prince didn t wait for the other party to speak, and said directly The Minister of Dali Temple, has already entered the palace The sergeant nodded and said I entered the palace before half a cup of tea.
When the huge rune appeared, Young Master Ye Luosha suddenly felt a sense of fear in his heart.After all, Su Ye has obtained both the Holy Water of Taiyin and the Qi of Taiyin, which is a huge gain for Su Ye.
But people s greed is always endless. After picking up the canyon entrance, the canyon is in front of them, so a group of people ran into the canyon again, and there was no sound in the end.How can we not know Ignoring the national treasure, the little white fox squatted on the national treasure s back and looked at Su Ye.
Finally, he gave a broken spirit crystal to a poor man, and he made room for him.In addition, the Dragon and Tiger Pill Pattern Cauldron has obviously also made great achievements.
Su Ye picked up the wooden sign casually. Revitalize Your Body: Choosing the Best Hot Tea for Weight Loss
On one side of the wooden sign, there are four words Xuanmen Di Zong written on it.There is something really weird about this place, Sea of Hundred Dollars.
Unfortunately, Su Ye already knows how to control a sword, but if he wants to fly with a sword, he has to wait for the golden elixir.Su Ye said to the red skull Since we have bought all the things, let s go.
There are seven floors in total. Even in the wild world, Su Ye had never seen such a majestic shop so far.The risk is too great. Su Ye looked puzzled and said Then you I m just lucky.
Maybe it was the great master in the tribulation stage who Bai Shitong said used the secret realm of Taiyin to Spring Valley Adult Gummy Zinc: A Comprehensive Guide to Immune System Support (qmMIn)
resist the catastrophe.Where to go Zhong Kui Shuling yelled again, suddenly opened his mouth and sucked hard, and then a large amount of wind swirled around him.
Is it that easy to sneak in In addition, Su Ye also sighed in his heart, Cangshan Nine Cities is worthy of being a leader level place, and the guards are not surprised at all when they see the national treasure.I wrote a list and recorded the types and quantities of the elixirs.
Your name is Su Ye Su Ye nodded. Did you write that biography of Zhong Kui I copied it, okay However, Su Ye really couldn t explain this, so he could only nod.
Hearing this, Du Shixi did not agree immediately. He still kept a smile on his face and asked On the matter of joining the WTO, several people have done better than our New Longmen.Just talk about it. Talk about this operation. Our Nirvana team is in charge of the Shencheng area.
Hearing her harsh but determined tone, Su Yue opened her mouth, but ultimately said nothing.Qin Feng said expressionlessly, Slow down. Then, Liang Jing took Liang Rong and left first.
Because a strong enough opponent can refine the power in his body to become more pure.In this gap, Poison Dragon grabbed two axes and rushed towards Chu Tiankuo, like a crazy beast, exuding primitive power.
Qin Feng raised his eyebrows slightly So my mother is The Ye family It used to be, but it is no longer.Since we have said that this is a matter of Jianghu, we should abide by the rules of Jianghu, right Whether you know about this matter or not, Dou Hui Say Goodnight to Sleepless Nights with Sunmed CBD Gummies for Sleep: A Comprehensive Guide
The president is from your martial alliance, and he is also the president of one party.
Bai Buyang also praised her. As soon as the two of them opened their mouths, the corners of her mouth rose a little more.It seems that someone started using their brains in the fight.
Qin Feng s vision was blurred, and he felt that the people in front of him were very familiar.They are rich and nice, but they are not stupid. It s obviously the other party s responsibility, so it s good if you re willing to pay a few thousand yuan in compensation.
But Qin Feng glanced at him, sighed softly, and shook his head Can I refuse When Yehuang heard that Xu Shaoqin was going to challenge Qin Feng, he was also happy I remember that you are at the peak of the Xuan Realm.At this moment, Qin Feng s eyes narrowed and he shouted Be careful Qin Feng shouted angrily, then stepped forward and directly pulled Bai Lao behind him.
But he really underestimated how unruly his sister was.Now Growth is happening, how will Renton handle it?
that everyone was awake, except for the one in the wheelchair, the others all pulled out their swords, shouted Baga at Xuanyuan Feng, and then flew up.
With the support of the Ye family, he actually acts as a bitch to the Yang people.The man has a strong body, but this does not affect his handover of movements at all, and his skills are very neat.
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.