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.
A partir de solo unos pesos al mes, las PyME de México podrán mejorar su imagen profesional cuando se comunican con sus clientes usando su propio nombre de dominio en su correo electrónico.
Nómada por naturaleza, el ser humano ha encontrado en los viajes una manera de saciar su curiosidad por conocer el mundo, lo que ha generado una próspera industria.
Los sitios que no tienen una versión para móviles ya no aparecen en las primeras páginas de búsquedas, lo cual puede resultar perjudicial para su marca o negocio.
If Qingyang is willing to stay, this problem will not exist.Faced with True Lord Chujiang whose strength is much higher than his own, he can t just surrender, right You can only continue to use this trick.
However, he himself tried every means to retreat and try to break through the Nascent Soul realm.Goatee led Qingyang through the courtyard, and it took a long time before he arrived at a small courtyard at the back.
As the strength of low level monsters increases, their sizes will become larger and larger, and they will be unable to hide even if they want to.Maybe there is really something good in it. I finally encountered the legendary thunder pool, how could I let it go so easily So what attracts Qingyang now is not only the body of the iron eating beast, but also the treasures of heaven and earth that may exist in the thunder pool.
Discharging kung fu is different from self destruction.But when something like this happened today, how could he not be angry Master Hehuan was a middle aged man with a handsome appearance, with a long black beard hanging on his chest.
However, the spiritual power in spirit stones is purer, and refining is easier and faster.If he is affected, he may not even be able to save his life, so he can only be a spectator in this battle.
After finishing speaking, Qingling Demon King roared and rushed towards Qingyang with a shake of his body.If he hadn t practiced for a long time and had extremely rich combat experience, he might have been defeated directly.
It is not appropriate for the Giant Ghost King to say this, but as the longest one in the Ten Kings Palace, it is more appropriate for the Long Eyebrow Ghost King to say it.The idol s cultivation level is at least closer to him.
If it were other people, they would have been lost in the dream space of Baimei Ghost King.Master Funiu suppressed the curiosity in his heart and bowed to the two Nascent Soul monks.
But this time the ghost king carrying the coffin is not here, so we still have to inform him later.Some of the unlucky monsters and monks fell into the enemy s siege before they even had time to attack.
Everyone else was just like the Yuanying monks. Subordinates, they are subordinates to the cultivator of the Transformation God.I hope you can If you can take on a big responsibility, when the Blood Demon Sect is overthrown and the Qingfeng Palace is rebuilt, I will never treat you badly.
It depends on him whether he can gain anything from this trip.Qingyang was about to suffer disaster. At that moment, two huge swords suddenly fell from the sky and struck directly on the neck of the water ghost kappa.
I m fine for the time being. Demon cultivators are all straight tempered.Anyway, Qingyang has traveled so much in the past hundred years.
Dark iron stone is a rare material for refining spiritual weapons.Baimei Ghost King had already tested it when the two of them first met.
Before Qingyang finished speaking, Zhenjun Yaoyue waved his hand and said Fellow Taoist Qingyang s words are out of context.It will be difficult for us to search it in a short time.
If he can make a contribution in this incident, is it possible that the headmaster will not be willing to share it with him One As for danger, what is danger Wealth is gained through risk.Sure enough, after Duanmu Fei took the elixir, her aura gradually stabilized, and the injuries on her body were healing at a speed visible to the naked eye.
There has been no movement in the past few months. As a result, a large amount of spiritual energy suddenly poured in, and the surrounding space also changed drastically.Now, more than a hundred years later, this person s cultivation level has actually reached the breakthrough level.
However, the Ghost Flame Technique also has disadvantages, that is, it requires sufficient preparation before being used, and it takes a lot of time.There were more than a dozen kinds of spiritual wines that reached the Nascent Soul level.
But the dozen or so spiritual weapons seemed to have been struck by lightning.Before Fusang Ghost King took action, they quickly ran away for a distance and said, Fusang Ghost King, you actually killed Fusong Ghost King.
Qingyang said. Regardless of Hun Su s instructions, Qingyang will definitely go to Ghost Valley to see the ghost valley if he comes along the way in the future.The Long Eyebrow Ghost King used the ghost headed crutch in his hand.
although the Iron armed Monkey completely surrendered to Qingyang later, and there was no grudge between the master and the servant, it was still in a hurry when he left.The two accepted Qingyang s meeting gift on behalf of Xi Ling er.
It is hard to say whether they can achieve Nascent Soul in this life.
As long as it is within a hundred miles, it cannot escape the discovery of the formation.As long as the great monk Ning Xi gets a chance to activate a powerful life saving jade talisman, the outcome of the battle will be completely different.
Just ten days after passing the island, Li Shiming was thinking about things when the Azure Crystal Cloud Boat issued a warning.With the formation ability of the main body Li Shiming, coupled with the assistance of ibz15, it is impossible to have a more in depth analysis of the formations arranged in the formation base of the tower.
He was quickly approached by five late stage golden corpses and had to retreat far away.Only time can make up for this consumption. Injecting sword intent into a flying sword will consume your own sword intent.
But watching Li Yuanba set up the formation, it looked like he was playing, and he had three formation bases set up in a short time.She knew that Li Yuanba didn t know much about Zhongzhou Continent, so she intended to explain more.
The light of the formation enveloped the space crack, and the space energy in the space crack quickly stabilized.It s somewhat useful He murmured to himself. It s just that such a corpse of an earth type great monk needs to be promoted to a great monk by him or Li Shiming before he can be sacrificed and refined into a refined corpse.
These great sword cultivators will establish multiple Sword Intent Chongxiao Pavilion strongholds in the Beiyan Continent to facilitate the sword cultivators in the Sword Intent Chongxiao Pavilion to receive and complete tasks, and they can also suppress the great monks of the Baidi Sect.And his performance will attract the attention of late fourth grade hell creatures, making him a bait.
Mao Bin s spirit was slightly dazed. This spiritual weapon shield was a spiritual weapon that he had refined for a long time.The main effect of this is the Zhiyang Sword Intent.
When he saw the description of the attack on the Baidi Sect s base, the Thunder Cloud Technique destroyed the Baidi Sect s base in one breath, and then the auras of the two great monks disappeared, and a look of horror flashed in his eyes.He continued to use So Close to the End of the World , and each time he gradually felt the pressure of the approaching monk, in order to increase his understanding of the Chaos Sword Intent.
Li Shiming feels that although the five elements are not complete in this cave, it already has the prototype of a world.The more powerful the force, the harder it is to control.
Fellow Taoist, your swordsmanship talent is stronger Li Shiming couldn t help but sigh.My five mid stage golden corpses were sacrificed by a friend.
The battle was still going on, until it was time for rotation.A swordsman focused on attacking a hell creature. The effect of this is to instantly kill the hell creatures, and the hell deer headed creatures cannot be treated even if they want to.
Asking Li Yuanba to make alchemy was not a problem for them as a great monk, but Li Yuanba s special request made it impossible to pay Li Yuanba for the alchemy without preparation in advance.These were the traces left after being tortured by the earth monks.
If it weren t for the master s order, he would never be able to wear ordinary clothes.This small level gap is a huge difference in the value of the elixir.
Senior Brother Luo Pei smiled coldly, showing his sharp teeth.When a hundred energy flying swords containing the great monk s sword intent struck the great monk Ge Guang, his body s defense began to break down.
He is called the first alchemy master by Zhongzhou Commercial Bank.In fact, this is easy to understand. Li Shiming used ten brains, each brain prepared a Thunder Cloud Technique , and then performed it at the same time, resulting in the current effect.
So many energy flying swords containing the sword intention of the great monk completely wiped out its vitality.Reinforcements from the other superpowers in the other continents will also arrive one after another.
But in the past, no matter how low the possibility of being promoted to a powerful person was, there was still a glimmer of hope.However, affected by the realm s suppression, his movements were a little slow.
His consciousness swept across the mountain gate of Taichu Sect and soon found the cave entrance buried under the ruins.The spiritual energy in the Bansheng cave flows towards the Lingyu Spring Eye , the Lingyu Spring Eye flashes with blue light, and a clear spring flows out from the Lingyu Spring Eye.
Your natal flying sword has reached the level of a spiritual treasure.But other alchemy masters are different. During the nearly ten days of alchemy, the alchemy master needs to control every change in the spiritual fire and elixir, and control all changes within a certain range.
Li Yuanba knew Fangshi s formation very well at this time.The latest task of the Intelligence Department of the Ten Thousand Beast Sect is to find the escaped great monk of the Baidi Sect.
He was so peaceful on the surface, but after hearing the praise for Lord Mingxin from Yin Zhen s words, he immediately made a counterattack.The most terrifying thing is that the grade of this sword intention is actually a great monk level sword intention.
Due to the Immeasurable Isolation Decree , he had no choice but to fight to the death with Brother Ge Guang.Brother Qi, you can leave now and take the monks of your line away from the Eastern Qi Continent Li Shiming said in a deep voice.
What Li Shiming did was to use the formations used by Lang Cai on the steps of Dongtian, and combined with his own knowledge of formations, to move the function of the steps to the Ten Thousand Swords Peak.Li Shiming still needs to use the secret method of improving the natal magic weapon to completely produce a qualitative change in Wanjianfeng.
The monkey that was rushing towards the two fell down in a large area like wheat.The Ten Thousand Miles Inspiration Plate can sense the location of a specified breath within a range of thousands of miles.
Besides, how can the Ten Directions Sword Cultivation Technique be compared with the Sword Intent Chongxiao Technique Elder Jian explained with a look of disdain on his face.
Five thousand units of archers is not a small number, especially for long range units.The Death God is not a long range weapon, and there will be a few seconds between attacks.
At this time, she also understood why her master valued the other party.It s like he was completely useless for taking the credit for Black Mountain City, so he invested in Mick as an angel.
The blood of beasts is so fragrant With such a treasure, of course they are willing to gamble their lives on the hope of obtaining it.Soul sucking attack The ability of the troops to deal with iron cans.
Secret realm A place that uses special magic, enchantments, treasures, etc.Looking down, the Time Assassin realized that this was not an illusion, but because there was actually a wooden needle as thick as a hair and long as a knuckle stuck in it.
There must be something wrong with this. But I didn t expect this guy named Sandru to do it.Let s go The Crusaders took the lead on the pilgrimage.
Zira The air froze in the sound. The bodies of players shrouded in white mist were quickly covered with frost, and then their movements slowed down until they finally turned into ice.If there were a few more rounds, he might be killed by these strong orcs.
Even the Shadow Swordsman was stunned by the various ways and methods of escaping.If Sisi leads the army in person, it is naturally impossible for Sisi to agree, but there is no problem in borrowing troops.
If you only have one round of combat power, and tie all the players together, a group of Paladins can sweep them all.Fortunately, I have reacted now. Kill The war king accelerated forward, the sword in his hand shining with golden light.
After speeding up, nearly half of the guards avoided the spider webs and reached the demon hunting spider.To her, Zhao Hao Hao s orders are supreme. Phew. Phew Soon, when the army was stationed in place to rest, Zhao Hao set off with his pets and four golden dragons.
Beamon does not have complete wisdom, but he instinctively understands that facing the golden dragon that can fly, there is no way to win without solving the flying ability, so the target is Dragon Wings.As for the orcs, the opponent had not yet entered the shooting range.
Seemingly slow but actually urgent It s like you can see the complete transformation process, but you can never stop it.The reason for doing this is naturally not to waste time, but for another purpose.
One is more exaggerated than the other. The Soul Draining Blow allows the Death God to cause a soul damage to the target when the attack is successful, and has a higher chance of triggering an instant death effect, which is extremely exaggerated.But knowing that the Shining Gold Merchant Guild s residence was single handedly wiped out by a ghost car, I naturally had a glimmer of hope in my heart.
Is the success rate unstable Zhao Hao recalled the contract process and came to this conclusion.Zhao Hao stood on Green Wing s back, climbed over the undulating mountains in front, and saw the flat and wide plain.
Three major abilities in the golden field Teleportation is directly restricted by War Shackles and cannot be used.massacre The Raging Dragon Guild players were easily slaughtered without any ability to fight back.
Spiritual tomb That is the lair of the fifth level ghost.For her, Zhao Hao s orders are everything. Not to mention knowing Sisi s private moves, even if she didn t know she would still take action.
You won t be able to get out alive anyway. Compared to these two places, the Alchemy Association has a much better reputation.Of course, how to transport the ore away is also a huge problem.
Someone is following Yes, there is someone following behind the army.In addition to the 680 units that he originally had, that means he now has a full 2,000 units of Phantom Hands under his command.
Just let it go. Next are the sixth level Poison Eye and the eighth level Medusa Queen.For orcs, there is no such thing as defense. As Bobo advanced, one orc warrior joined the team behind him from all over the city, like a green wave capable of destroying all enemies.
No matter who it is, if they find that they have stabbed the target in the heart, but they are still alive and kicking, they may feel this way.Conceal the truth, gather around the spot and call for help Two very classic tactics were used by Zhao Hao at this time.
What s your name, junior Several seniors were as attentive as a peacock spreading its tail.A large amount of blood spilled from the air along the blood groove on the crossbow arrow, causing its body to fall into the sky.
Instead, you have to be careful about the Holy Knight s control spells.After all, the mainstream level of magic values for players who take the spell casting route is only about two to three hundred.
The extra person probably happened to come to visit.The Happy Ghost King smiled and said But this time it happened to be like this.
There has never been a situation like Qingyang s current situation.Of course, the necessary caution is still required.
Either the other party has no resistance at all, or the other party is not affected by the charm at all.I plan to train him as a successor in the future. Everyone found it incredible, but Dou Changzai didn t think much of it, but said Where is this My Qingyang brother is just warming up, don t It s said to be seventy ghosts, even if it s eighty or ninety, I m still waiting for Brother Qingyang to break through the Hundred Ghosts Map and get a reward, so that I can take advantage of him and go to see Baimei with him.
He lost almost everything, and he didn t care about this loss.The Blood Demon Sect s Book is worthy of being the treasure of the Blood Demon Sect.
It s really rude to enter the house. Please come in quickly, please come in quickly.Other than that, there are only those legendary gods with great power.
There are four dead Nascent Soul cultivators alone, and There are a large number of golden elixir monks and foundation building monks, and five million is not too much at all.No wonder Baimei City will offer such a high reward to the monks who pass the level.
The underworld giant crocodile was treated obediently by Qingyang and did not dare to resist his orders, so in Qingyang Driven by Yang, he slowly crawled towards the depths of the passage.The other person is hiding in the corner in front of the ancestor of the Wu family.
Facing the thirteenth level bloodthirsty vine, he had no confidence.Once Elder Wusi and others recover from their injuries and join the Blood Demon Cult, he will definitely not be an opponent.
How can I It s not certain that he won t survive, but he can t just covet him randomly.This is innate and has nothing to do with his strength, so the giant Ghost King used this trick to deal with him.
I seem to have seen it somewhere a long time ago. Where exactly is it Suddenly, the Long Eyebrow Ghost King seemed to remember something and said I remembered, this is the unique method of the One Horned Ghost King.However, there were also many injured on the monks side.
I didn t expect that the small Yin Yang Sect actually has such a good thing.Small loss. The defense of the monster is astonishing.
After thanking True Lord Qingyan, Yang Chengzu said to Qingyang again, How big did you plant back then The consequences will be huge now.One of the second level forest beasts howled excitedly and rushed towards Qingyang.
Thinking that Junior Sister Xiao has not yet married, Dan, the two of us have been accumulating spirit stones over the years to prepare for Junior Sister Xiao to form elixirs.It is said that it is specifically behind the Red Smoke Valley.
Only when a person has the five elements can he create a complete five internal organs, heart, liver, spleen, lungs and kidneys.Therefore, after using the Soul Burning Technique, not only will the monk s lifespan be greatly reduced, but his cultivation will also be greatly reduced, and he will never be able to return to his peak state.
It is better to first Leave them here. They have been lying here for a long time anyway, and there is no danger around them.He actually discovered a cold pool in the fog and raised his cultivation level to the ninth level of the Golden Core in just thirty years.
He shouted at Qingyang from a distance Thief, stop Of course Qingyang would not listen to him, and the movements of his hands were not affected at all.Everyone knew the name of the God Pregnant Fruit Tree.
The Yang family is the notorious blood clothed people in the Zhongsha Region.It s really funny that he actually thinks of himself as the mastermind behind it.
In the past, Qingyang had a hard time winning against Fuliu Ghost King s entourage of the fourth level of Nascent Soul.They took action again. As Master Lingxu said, as long as the Nascent Soul cultivator wins, the others will definitely win, and the remaining Golden Core cultivators will not be able to affect the overall situation.