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 inercia tecnológica es imparable, y la evolución industrial es una marea irresistible. No se quede rezagado; prepare sus instalaciones industriales para el futuro adoptando estas tecnologías más inteligentes, rápidas y respetuosas con el planeta. La inversión en estas innovaciones no solo impulsará la eficiencia, sino que también asegurará que su instalación esté a la vanguardia de la revolución industrial en curso.
Erich Wetzel, líder de la Amti, participó en el 9° Foro Nacional IMEF de Infraestructura, en el que se ventilaron acciones clave encaminadas a ofrecer respuestas a los retos de la demanda de servicios de punta.
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He is so old and still dares to talk nonsense. The crutches fell on him like raindrops, and the old man had to run away, but he laughed.Wang Yifu s face flashed with sadness. General Ye Qing, the loyal and good man of the country, is the pillar of the country.
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.