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.
Desde nuestra perspectiva como compañía, el 2017 solo fue una muestra de los éxitos que nos esperan el siguiente año, ya que seguramente seguiremos presenciando la consolidación del e-commerce
Blockchain está marcando un antes y un después en la gestión de la cadena de suministro, ofreciendo una herramienta potente para responder a las crecientes demandas de transparencia, eficiencia y sostenibilidad en un entorno global.
Las cadenas de suministro involucran piezas móviles complejas y dinámicas. Para mantenerse competitivo, debes crear un sistema flexible que pueda adaptarse a las interrupciones, aprovechar
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.
It The Do CBD Gummies Work: A Comprehensive Guide to Understanding Their Effects and Benefits
green and black fish demon immediately retorted Impossible The ninth level giant whale is a fish clan just like us fish demon brothers.In a short time, they ate them all Quick, look The clam shell of the clam demon is closed The Dongyang Sect monk pointed at the Lanxi River, and the clam shells that were connected sank to the bottom of the water, celebrating.
He was a physical practitioner who demonstrated the Tao through strength.They have different costumes and different cultivation levels.
Total victory If it weren t for your help, the Golden Crow Tribe would never have regained its homeland I never dreamed that this day would come so quickly and suddenly It all depends on Can I Take CBD Gummies with Citalopram: A Comprehensive Guide (qynoK)
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.
Chu Yan and Chen Guirong, the female members of Youyue Immortal Sect, what good ideas can they have As for Lu Chuan, although he has good combat prowess, in Wei Tong s eyes, he is nothing more than a rigid and Sharon Osbourne Weight Loss: Secrets to Her Success Unveiled
arrogant swordsman, far from resourceful.Ye Ling even thought of drying the ghost head mushroom in the flames of the furnace, grinding it into powder, Olly Sleep Gummies How Many to Take: A Comprehensive Guide (QhWpV)
mixing it with the elixir of Biphosphorus and Rotten Bone Pill to make cinnabar, and then Sunmed CBD Gummies Near Me - Find Relief with High-Quality CBD Products
drawing the rebirth talisman, the effect would be good But Siko Tingyan only heard that one could be sold for two thousand spirit stones, and his eyes gleamed, as if he had found a treasure, and he specially cleaned out a storage bag to put the ghost head mushrooms.
It s up to other teams to get us. A lot of news about Zhu Kelly Clarkson’s Weight Loss Journey: Top 5 Secrets Revealed
Guo has spread, which is very detrimental to the tribal alliance In the cave, Ye Ling said calmly This Fitspresso Reviews – SCAM Exposed or Safe Diet Pills to Support Weight Loss?
matter is inevitable.Coupled with what his aunt said, he was even more relieved
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.
What kind of mobile phone do you use, what kind of clothes do you wear, record them down, and report your experience to me every day
Is that simple Yes What else I will help you contact a vocational and technical college and help you find a teacher.After Chen Mengting finished speaking, she Discover Pure Cana CBD Gummies: Benefits, Ingredients, and Usage Guide
led a group of student union members towards the girls dormitory.
Thoughts flashed through my mind. And then
these become a set of information. Facing Zhang Sheng s gaze, Lin Xia did not turn elsewhere or look away.An overflowing sense of empathy It s amazing. A few hours seemed to pass very slowly, as if it had passed in a moment.
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
a fire. Burning away all their ambitions and visions for the future.That year, when Lin Xia was preparing to create That Midsummer , she told herself a lot of things, and a lot The Benefits and Effects of Dr Oz Bio Heal Cbd Gummies: A Comprehensive Review (zRwHc)
of characters
From the framework to the structure, to the writing style and adjectives
The two of them
People talk about almost anything. But now, even when Zhang Panpan asked Lin Xia what he wrote about, Lin Xia simply said, probably some living people.
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
When some people reach a certain level, you have to treat them as human beings.Zhang Sheng naturally saw his dissatisfaction and shook his head You Ben Napier Weight Loss Journey: 7 Autumn Tips for Shedding Pounds
call me teacher.
Jiang Xiaoyou pulled him and talked to him, but Green Farms CBD Gummies Phone Number - Learn More and Get Support
he couldn t listen at all He rushed into the training base next to the school.morning. When Chen Mengting got up and planned to talk to Zhang Sheng about these things, she saw Zhang Sheng sent her a text message.
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.
Gao Fei saw Zhang Panpan. You seem to have forgotten to write an invitation letter for your This Summer.But Zhang Ziqiang is not willing King Kong CBD Gummies: Reviews, Benefits, and Quality Standards
to stay a small business forever
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
The world of Hell of the Undead. Su Ye opened his eyes and looked up at the hillside.His hair was disheveled, his clothes were hanging down randomly, his beard was unkempt, and He also had two extremely thick A Comprehensive Review of Engage Male Enhancement Gummies: Enhancing Performance and Confidence (KlmcM)
dark circles under his eyes.
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.
After all, although you can inherit the knowledge of the original owner of this body, when you need to take action, relying on ActivGenix CBD Gummies Reviews and Complaints: Uncovering the Truth Behind the Hype
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.
San San Tian Xia is divided into three times to refine and then combine the elixir, while San Ding Qi Kai is to refine three Marley CBD Gummies: Benefits, Reviews, and Comparison
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.