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 usuarios del software de Bentley pueden presentar sus proyectos en el programa de los Premios Year in Infrastructure, independientemente de la fase en la que se encuentre el proyecto.
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.
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The Jingshan Rat King tried every means, but could not break through the alcoholic Queen Bee s defense and could not rush into his cave to stop Qingyang.There was no useful news from the other two teams, and it seemed that just like them, they also Eminence Vitality Keto Shark Tank Diet Pills Benefits! [4F9lysBzdPP]
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I don t know if Qingfeng Palace was not lucky enough and was assigned a completely useless area, or if they didn t find the right place.
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Thinking of this, Li Shengbo said with a ferocious expression, Whether you are out of your wits due to profit or you are motivated by wealth, we are already in a fight to the death, so let s see if this monster can save your life.
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Your spiritual roots are ordinary, so don t be distracted by practicing so many messy techniques.But looking at Lou Wu , and then think about his position in Jianyi Chongxiao Pavilion.
The great monks of the Ten Thousand Beast Sect are the most powerful in combat.This is easy to handle. I will have a friendly discussion with them.
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The three major sects did not approach the Ten Thousand Beasts Sect, but Li Shiming waited for news from Liu Ziyun.And among the drone satellites here, automatic blurred image alarm systems have been added.
He stood in the air and looked at the location of more than ten Nascent Soul monks.
This is the speed at which the wealth of virtual financial capital disappears.At first, he came here hoping that Fang Hong would use his influence to make suggestions to his superiors, not only for Apple but also for the entire chip and semiconductor industry chain.
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This kind of information is currently monopolized in the hands of a very small number of people at the top.Triple the starting price is not too much, right Only three times So unambitious Take a look at Yixing Video, which borrowed money from Tianzhou Online next door.
With the end of April, the A share market will usher in an important watershed for this year s market.I didn t expect to be deceived by him It was only now that he saw the current news hot spots that Xiao Quan realized that he had been under the light for so many years.
The index opened slightly lower today. After opening high and turning red, it turned around and fluctuated within a narrow range underwater.It s the last day, and we promised to let the investors of Big A have a good year.
After the epic market situation, the price has reached a maximum of 20,000 US dollars.Otherwise, it will be embarrassing if there is no achievement point when the time comes to deal with emergencies.
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The US 27. 2 billion in the market is mainly the strategic international foreign exchange market.Things in the world are gathered when conditions arise and disperse when conditions disappear.
It s been a long time since the market s counter pointing can still play like this.You ve really gone too far this time. Forget about running the Lu Chengye incident, why are you still making more noise on the external network Luo Qing an looked at Fang Hong and clapped his hands and said, Do you know what you are doing now Any decision making behavior, in the eyes of CBD vs THC [aMBySfG1KDK]
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Five younger brothers including Huayi Jiaxin and Aofei Animation followed closely behind.As we enter the New Year s Day holiday of 2012, the topic Who is God K has become a topic of after dinner conversation among the melon eaters.
Fortunately, the manufacturing industry in the Greater China market is developed and the scale is huge.Ma Gaoyuan smiled and said The robot dog is equipped with computer vision system recognition, and can also control its own direction to move.
Thinking of this, Lin En immediately tried it. The moment he opened his eyes, a massive amount of magic power emerged, and the area around him began to expand in all directions.He was almost electrocuted dozens of times in a row, so he was extremely sure that this value was definitely correct But
how could it be such a coincidence The wizards present looked at each other in confusion.
Varok, the Dragon of Winter, climbed up from the ground full of radiation and dust.To use a low latitude example, drawing a circle on the ground cannot restrict a person s movements, but building a few walls can naturally trap the other person inside.
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past, Susan only thought that after her children graduated from the civilian college, they could enter the research workshops of wizards and adults, and work as assistants.
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We can t tell yet. We know too little about God. Lin En sighed. The only thing that is certain is that Artok is no longer the same creature as them, and has become a high dimensional being trapped in a laboratory that has gone crazy and lacks self awareness.It s amazing, it was actually blocked Although it seemed that this blow penetrated all the protection and caused indelible scars on the surface of the planet, Harrov and others knew very well that this blow could only It penetrated to a depth of two to three thousand meters underground, but the real core was not damaged If you look at the planet as a person, it is equivalent to piercing the surface layer of skin without damaging the internal muscles and bones.
There is a very delicate device placed inside the box.The distance between the two parties was too far, and it would be difficult for the other party to stay with just a few magic bats.
Their faces were full of confusion, shock and confusion.Aurora naturally remembered that the other man s name was Albert Ein.
Monroe said dissatisfied. You seem to be very interested in wizard knowledge these days, right Ivina You are too obvious, Monroe Ivina s expression did not change, but she reminded her.It is normal to delay some time to solve the problem.
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.