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 ciudad de Bad Hersfeld también espera beneficiarse de la prueba PostBOT, ya que se proporcionará un dispositivo a un empleado municipal que distribuye el correo entre las oficinas municipales.
Resulta tentador saltar directamente al diseño de la cadena de suministro verde; sin embargo, el éxito a largo plazo depende primero de sentar las bases adecuadas en cada eslabón que la conforma.
Tesla nos ha demostrado lo fundamental que es abordar la digitalización de la cadena de suministro en el marco de una estrategia y un contexto empresarial, respetando y aprovechando el conocimiento de la empresa en lugar de intentar suplantarlo.
Con los elementos de productividad aumentada, los datos de activos inteligentes y los robots, los minoristas están adoptando soluciones tecnológicas para mejorar dicha experiencia de compra.
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The branch sect was still in front of the main sect at Mo Shi.outside world. Jiang Minyi seemed to have thought of something.
Except for you, all enemies and friends are with me.Seeing this, Xun Qi said calmly I am certainly not the enemy of fellow Taoist Jing Ke, but this battle means more to you, fellow Taoist, than to me.
Life is about coming back, death is about longing for love If you don t even care about death, how can you be fettered by other things This
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Between the eight peaks. Long Yun Fengqing, Xian Dao Ying Yuan, and Xi Lerong all had their hearts beating.Huang Xiyin s eyes moved. Li Yunlong, Xi Lerong, and Yu Gucheng took action one after another.
Chunyuan just now was said to have fought a bloody battle, so it was easy to get blood.Unexpectedly, I accidentally watched the weather and got an unexpected gain.
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It s just that the shape of the fire is more abundant and prominent.Just when he was thinking this, there was a flower in front of him.
Now, this feeling is coming again Xin Weiying s movements were sharp and decisive, without any hesitation.It is expected that the various forces in it are mixed and intertwined, and their combat power is far beyond our imagination If you rashly participate in it, the consequences will become more and more unpredictable.
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also roughly grasped the thoughts of Mingjun, Hanzhen and others.Yu Jiaolong nodded. As Jiang Minyi said, it was naturally Jing Ke and Nangong Boyu who led the way, blocking the fight between the characters, and eventually building up to a grand gathering.
It is almost suspected that it is the image of a hanging painting in the void of a Taoist figure crumpled into a ball.All kinds of precious materials, no more and no less, were put in just enough to make it take shape, as if it was the will of God.
Even before he was reborn, he was insulated from this group and had never interacted with them.Feida and Freya couldn t stay, so they also left. After leaving the tavern, Li Keke asked curiously.
One against three, there is no fear. If the besiegers were more numerous, it would be good news for them.And his actions also made Po Jun, who was directing the players to disperse their attacks, unable to understand.
Note that the prerequisite for the sale of food is allies.Uh huh Seeing that the target of the attack was wrong, the assassin who pierced Bai Ze also retreated.
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The players who were summoned began to take Willow City as the center and directly enter the Sacred Tree Fort area to earn contributions.There must be big demons and fire elves, but the small ones cannot be seen clearly from such a long distance, and the number is not known.
In other words, only a few of them have a say in the distribution of spoils.If he can t bear it, he will die. Give it to me. Qin Hu thought about it. He must try to save Qin An s life first, and then think of other ways.
No, you can t
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Not only does Ellie s level increase give it a huge bonus, the Shadow Swordsman s own unit capabilities are also very powerful.
There was no chance to use the resurrection spell, and he was constantly being killed.If it s just destruction, then you can use all your firepower at this time.
It is impossible for the other party not to monitor the inside during the war.At least Hruf couldn t help but pay attention. As Mia s teacher, he can accept the death of his disciples at the hands of other undead, but he cannot accept being killed by non undead enemies.
In addition, the God of Death is responsible for encircling and killing difficult targets.After all, even if he was tricked, it was impossible for everyone to be tricked, not to mention that it was impossible for him to be tricked.
And so the snowball begins Several, dozens, or hundreds of vampire kings appeared just like this.The entire city is almost surrounded by legions, and the number of angel legions alone may exceed single digits.
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Fight life or death, it s up to you. Ye Fei interrupted Shangguan er in time.They are angry. The woman sat on the extraordinary mount and couldn t help but coquettishly said.
the original color of the green pine can no longer be seen, and there is a vast expanse of white everywhere.You bastards, you dare to spy on my Shangguan family.
Ye Fei glanced at the fifth prince and said calmly.They fell through the atmosphere at high speed, burned, and finally formed something the size of a fist, like a night pearl, which was dim during the day.
At this moment, she pointed at General Manager Wang and shouted.The Star Territory is not peaceful. It will definitely be in the future.
No, if we die together, Xianer will not give up on his father even if he dies.Ye Fei smiled bitterly. At this moment, he was seriously injured.
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After all, he had just been promoted to the Fourth Pole not long ago.Is there an accident An Tianshi asked calmly. There was indeed an accident.
Could it be that you have something to do with him Although she didn t know the conversation between Lao Wang and herself, Yulin was Always secretly observing the situation outside through the Qiankun Scroll, he couldn t help but ask at this moment.You are so brave. I have nothing to do with you, but you come here to find me.
They also wanted to see Ye Fei s strength. It was too late, but soon, the man s palm had already covered Ye Fei s whole body, and the strong wind from the palm blew his clothes, making a hunting sound.After years of investigation, he finally arrived here.
The room next door was Murong Xue s. Ye Fei s expression changed and he rushed to the room next door, kicked open the solid wooden door and broke in.Although it was blind, its hearing was still good, so it rushed towards Ye Fei like lightning.
The phantom appeared, it was the Night Emperor back then.This disciple of the Biluo Sect really doesn t know how to chat, and his words are unpleasant, and he has set his sights on a disciple of the Yin Yang Sect.
Senior sister, take care, and give me information when you get settled there.Let s talk about the future in the future. Ye Fei stood up and decided to continue moving forward, looking for the city, exchanging the demonic beast s inner elixir, and getting an elixir furnace for Lao Wang.
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the Xiliang family will definitely not let it go.Yes, Senior Brother The leader, a rather handsome man, glanced at Senior Brother Sun with a slightly resentful look, but still led the way obediently.
If so, , they will be abolished directly. Based on their arrogant and domineering style, it is estimated that once they are abolished, they will be killed after being killed for a day.What happened just now bothers me. Kuang Ye, the spiritual power pill is barely qualified, and he has been promoted to the second level alchemist.
We re bored together. Tian Jiayi
This guy is also bad enough, with a murderous and heart wrenching rhythm.256 billion yuan. What is this concept In the past year of 2011, Xincheng s total fiscal revenue for the year, excluding the tax paid by Qunxing Capital, was approximately 139 billion yuan.
Come on, if you can t get it out, it s not that the day lily is cold, but it s smelly.The budget for one tournament alone is US 500 million, which is 3 billion yuan.
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no need to look far away from the near, and you have to eat one bite at a time.But according to Chen Yu s material report, he is obviously not satisfied with this.
There are also some barrage comments in the live broadcast room saying that it is okay to increase doctors income.Eight months have passed since the start of construction.
Microsoft s acquiescence in allowing pirated operating systems to proliferate in the Greater China market means that it is impossible for competitors to stand up.More means making less money, after all, the risk is smaller.
He was woken up by a phone call in the middle of the night, and then he was scolded by his immediate boss.Not one year, but every year. This cake is not as big as usual, and it keeps growing year after year.
74 to close at 2427. 48 points, the previous high of 2452 points has not been broken.However, compared with the more than 5 trillion in wealth harvested this time, it only accounts for 40 , less than half.
When the inventory is used up, most of the international chip manufacturing factories will have to shut down, especially high end chips.Everyone in the industry knows that Qunxing Capital is ruthless.
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The main focus of Stars Capital s frequency of operations is large quantities.How can a video website support a market value of 170 billion
Foreign capital has indeed been increasing their positions recently, especially in the past few days after the opening of the Xingyu Technology Triple Board.
At this moment, the game channel is broadcasting a special program of WCG2014, as well as interviews with some players, including some game industry information, such as some progress on the acquisition of Activision Blizzard by Stellar Capital, etc.Everyone present nodded, without any objection. I don t have the ability or qualifications to object.
such as causing trouble in the Middle East, with the intention of overshadowing the public opinion of this incident.He got into a relationship with a giant for only 200 million yuan.
It was completely necessary to talk in roundabout ways.Being in the form of junk stocks can only fully prove that A shares are indeed junk.
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.