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.
Los clientes exigen entregas rápidas, seguimiento en tiempo real y un servicio impecable.
Asegúrate de que la última milla de tu cadena de suministro sea un punto fuerte, no una debilidad en tu empresa.
Boom , the second thunder fell. This time, not even one of the hundred fourth grade flying swords remained.One of the Nascent Soul monks named Bao Da, after getting three fourth grade Enhancing Intimacy with Woman Sex Gummies: A Comprehensive Guide (YeAke)
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cultivated by sword cultivators for hundreds of years, needs to be calculated in conjunction with the sword s intention.Soon he showed a strange look, and the jade box contained the corpse core of a golden corpse.
Instead of selling the captured magic weapons, he collects them all.Time, then wouldn t it be possible to add a batch of fourth grade flying swords to Ten Thousand Swords Peak Once the idea came up, he wanted to try it.
Even if they cannot defeat them, they can use the environmental advantages to survive.Generally, the alchemy furnace is refined only by the refining masters who have studied the matter.
Even if they want to be promoted to the third grade, they have to go through the baptism of the heavenly tribulation.The weak ones are those who use the Shura Drum. Li Shiming s strength is far different from that of Asura, not to mention that he can only hit it once, and he may not be able to exert even one fifth of the power of the Shura Drum.
The Nanming Lihuo flames flew into the Five Elements and Nine Transformers , and the Five Elements and Nine Transformers suddenly shook.Qin Hu and Qin An shrank against the wind, ran out of the camp, and ran forward through the thick snow.
Ancestor Ren Xun handed ten fourth grade elixirs and thirty six drops of Tong Xuan Kun Earth Immortal Dew Are Flintstones Gummies Good for Adults: A Comprehensive Review (XsXje)
into Li Shiming s hands, but now Li Shiming has disappeared.The spiritual power running inside the Nascent Soul lost control and kept colliding inside the Nascent Soul.
However, it was Du Bingyan s super grade sword type magic weapon.No matter how much high grade spiritual stones are spent, it is not easy to Do Sleep Gummies Break a Fast: A Comprehensive Guide (aBweY)
buy a fourth grade spiritual elixir with high grade spiritual stones.
Li Yuanba, you have to attack with all your strength in a while, but don t use the Nascent Soul Dharma.After more than eleven months of sailing, he was finally able to touch land, which made him eager to reach the Dongqi continent.
Fellow Daoist Li, after I go back, I will contact the customers in need, and then inform you of the trading items they can offer.The spiritual imprint shook a bit, and Li Shiming faintly sensed an unwilling roar coming from the spiritual imprint.
When she thought about it, Yin Shilan must have been angry when she left without saying goodbye.Mu Jing felt that he was trapped in the troubles of happiness.
He knew just by looking at Uncle Song s expression that the quality of the fourth grade elixir was not bad.But now, he uses the Nascent Soul Dharma. If so, I am afraid that his own consumption will be rapidly depleted and his injuries will immediately worsen.
He looked at the previous monk with a look of greed in his eyes.Considering that Yin Shilan was still in Qianhuan Sect, and the matter of refining alchemy was actually not too difficult for him, he did not object to helping Patriarch Yuan Ying make elixirs
Arriving at the peak of Ancestor Zhan, the peaks of Ancestor Yuanying are not far apart.
Okay, I won t even tell you about my mother Ren Feier nodded heavily and promised.After hearing the prompt, he was startled for a moment, and then Exploring the Benefits and Uses of CBD Gummy Bears
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Not long ago, he felt a wave of heartache. The feeling in the heart of the Yuan Ying Ancestor must have been caused by something related to it.Although the Northern Shu continent did not know much about Dongtian, they also knew that Da Neng was an honorific title for the Mahayana monks above the Nascent Soul stage.
Li Shiming didn t know what the uncle was talking about, but he still honestly stepped forward and bowed.Elder Jian was in extremely miserable condition, but his aura did not weaken, but instead became stronger and stronger.
It is also the Shushan Sect s own elixir, and is being studied by a senior alchemist of the Shushan Sect.A gloomy look flashed in Elder Lu s eyes, and he sensed Li Yuanba s move of using spiritual power to check his body.
If Zhong Qiang hadn t known some of the secrets, Li Shiming would not have recognized his master at this time.It can be seen from here that the relationship between Senluo Sect and Qianye Temple is not good, otherwise Li Yuanba would have led the way.
The formation was still there when he left, and all his movements were covered up by the formation.Li Shiming stayed in place motionless. He was worried that the Heavenly Ghost s methods would not be able to deceive the fourth grade ghost.
In the end, she didn t see whether Poyun Chong exploded or was beaten.Qi Siheng stood in the wind, his clothes were hunting, he held his guqin upright, and the waves were surging under his feet.
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colliding.But on the issue of righteousness, She no longer tolerated or obeyed.
This trip broke several restrictions. I feel like I didn t get anything, and it was a 2025’s Top Apple Water Detox: 5 Revolutionary Techniques for Weight Loss
waste of time.Inner demons are also obsessions. If you can t overcome them, you can only satisfy your desires and let your thoughts flow through.
Fortunately, the coercion only swept over and was quickly withdrawn.Shen Huaixi saw that he almost fell out of the game just now, but when he thought of Tie Yu Country There are still so many people counting on him, and sparrows are still flying up.
Last time, I saw a monk with my own eyes. Because he spoke too loudly, he disturbed the demon cultivator who was talking to someone next to him.Today, Tiannanxing said that Jiang Yuebai had left the Demon Clan and came to the Shura Domain.
Yun Shang and Ge Yuchan, who were with Jiang Yuebai at the time, also received the invitation.Eager to return to his clan, Jiang Yuebai spent a lot of money to use the ancient teleportation array to return to the Fengxian Domain.
Jiang Yuebai gritted his teeth and sat up again, holding his dantian and breathing heavily.He took a deep breath to calm down his hatred. I m sorry for telling you these irrelevant things.
Like piercing into Lei Jian s body. The dagger penetrated Lei Huan s body, but Lei Huan was unharmed and turned around to kill Ge Yuchan.Yi Chuanying had a sense of Best CBD Gummies Bear: Benefits, Reviews, and Guide to Choosing
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But Tian Nanxing s eyes flashed slightly, and instead of attacking Xie Jingshan, he backed away.Zheng Yougong gave the map of Qinglong Realm to Jiang Yuebai.
There is a cliff on the mountain, and a small brick walled courtyard is built against the mountain.This is impossible. The Patriarch has ascended. The Science Behind Losing Weight After 40 and How to Make it Work for You
This is recorded in the Heavenly Spirit Realm. It is impossible for an ascended person to return to the Spirit Realm.
Okay, I ll take this token. Also, I want to entrust a task now.Li Jiuchuan couldn t help but retreat, his eyes wide open in fear.
It seems that she has worked hard in the past two years and has entered the late stage of Qi training.Jiang Yuebai grabbed Lu Nazhi s arm. Lu Nazhi frowned and looked at Tian Nanxing with murderous intent.
The ruins are behind this mountain. They have been plundered and nothing is left.There are male and female. What on earth does this mean Jiang Yuebai muttered, starting to think uncontrollably.
The yellow sand divided and combined at will, rolled up on the table in the stone room and tightened suddenly, and the table immediately shattered into slag.Judging from Zheng Yougong s attitude, they don t seem to be so repulsive to demon cultivators.
Another four months passed. On this day, Uncle Song was standing outside the mountain peak.Okay, I will return to Yongle Island and wait for your reply Ancestor Jin Kai nodded in agreement.
Especially when Tianxing Trading Company did not have a big monk, he and several middle stage monks of Nascent Soul were at the pinnacle of power.The fourth grade healing elixir used by the ancestor of Jinkai requires Li 5 Expert Ways: Unleashing the Potential of Keto Diet and Fasting in 2025
Shiming to be at least in the early stage of Nascent Soul before he can refine it.
If Patriarch Ge wants to refine the elixir, he will have to wait until eight months later Li Shiming thought for a while and replied.The training direction of spiritual pets with dragon bloodline is to continuously evolve into the dragon form.
I also looked for you but there was no news. You have suffered all these years The old man reached out and stroked Jian Wuwei s head, with memories in his eyes.The two energies continued to wreak havoc on the Nascent Soul and the body, and he needed to use all his energy to suppress the scars.
This shield magic weapon is a fourth grade high level magic weapon.He didn t want Wang Yuan to have time to rest. The eight early Yuanying monks drew complex spell patterns in front of them at the same time.
He took out a fourth grade pulse locking disk, and the terrifying spiritual power enveloped the fourth grade pulse locking disk, and then a light ball was pulled out from the fourth grade pulse locking disk.Although they are afraid of the strength of the monks who have passed the test, the ancestors of Nascent Soul are unwilling to accept it.
No wonder the super power Baidi Sect sent Yuanying monks to fight for it, but for the matter of the Shenxiao Thunder Bead , the two super powers sent two top monks to the Eastern Qi Continent.In the world of immortality, all kinds of fighting and revenge have always been filled with it.
Little friend Jian, I will provide you with spiritual power, and you try to kill the silver corpse Ancestor Jin Kai looked at Ancestor Jian and said.Li Shiming s spiritual thought wrapped around the blood red stone.
This is the result of his research over the years. In order to fight against sky thunder, he took into account the principle of electromagnetic shielding.Although the Prison Suppressing Demonic Sword weighs a thousand pounds, in fact, it is far from enough to be used as a material for an atomic bomb.
If the distance were further away, there would be a big demon.The more impatient you are about such a big level breakthrough, the harder it is to find opportunities for advancement.
When the chicken heard Li Shiming call it a chicken, anger flashed in his eyes, as if he was greatly insulted.
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I didn t expect that he would actually do it
Hey
Liu Kaili was just detained. Come out, I m probably going to be detained again now
Zhang Sheng listened calmly. Then
I saw Li Bin being carried on a stretcher. After being carried on, he started to retching.has been working as a technical consultant for the company s terminal business.
Some of her flaws make her more like her mother, Chen Aiju
kind, gentle, and serious about everything she does.After thinking for a moment, he thought about all the things he wanted in the past, and finally shook his head with a smile No
Don t you have anything you want Lin Xia still stared at it with wide eyes.
Everyone is very happy to listen to it. However, when he sang, he still felt that something was not right.When he occasionally answered the phone to talk about design, the person on the other end of the phone couldn t express what he meant.
Gu Jiangyan frowned and asked Lin Xia to go out and look for it.Then, I stared at Li Qiang fiercely Eight hundred thousand, his mother sent him Does CVS Sell CBD Gummies? Exploring Availability, Benefits & More
to be a beggar rich Why don t you just lend him money Close You have no resources.
Mr. Li, I want to hear your views on the future technology industry
Zhang Sheng did not answer Li Qiang s question, but asked instead.Lin for more than ten hours, and how they made the company their home in that abandoned factory.
Many people on the phone were urging her to go it alone.When his emotions could no longer be suppressed, tears began to flow upwards crazily.
Moreover, it seemed that the snow would get heavier and heavier.With blood dripping from his head, he gritted his teeth and paid for the money from his own pocket.
As for the exhaust fan, The thing
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No need. This young man looked like a college student, but unlike other college students, he seemed to have no regrets after hearing how long does weight loss take
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It seems that he has been in some online news and has some nicknames.In one week, the total sales of Oubang Integrated Ceiling reached an astonishing more than 200,000 yuan.
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classmate Zhang Panpan was ecstatically sharing a great event with her.Her eyes were very sharp and she glanced at Zhang Sheng simply.
Later, he answered the phone and found that the calls were from customers.When Li Aifeng saw that Liwei batteries were finally approved for the Home Appliances to Rural Areas project, the coldness gradually subsided.
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Since the official Home Appliances to the Countryside project came out, the two bosses who left the meeting early regretted it.It s okay The bank manager sent Lin Xia to the door.
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Ah, Thank you, thank you. Haha, it takes a little effort.Fendi learned that I was a producer and wanted to make a horror movie similar to Horror Night.
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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.