自2006年8月河北省第一家小额贷款公司——霸州市万利通小额贷款有限公司成立以来,全省小额贷款公司迅速发展。小额贷款公司数量和服务能力的大幅提高,有力地支持了县域经济和小型微型企业的发展。但从小额贷款公司战略发展角度来看,仍存在制约其经营发展的因素,应予以高度关注。小额贷款公司发展中存在的主要问题盈利能力较低。小额贷款公司从事的“三农”和小微企 Since August 2006, Hebei Province, the first small loan company - Bazhou Wantley Microfinance Co., Ltd. was established, the rapid development of the province’s small loan companies. The substantial increase in the number of micro-loan companies and service capabilities has strongly supported the development of county economy and small-scale microenterprises. However, from the perspective of the strategic development of microfinance companies, there are still some factors that restrict their operation and development and should be given high attention. The main problems in the development of small loan companies are low profitability. Microfinance companies engaged in “agriculture, rural areas and farmers” and small micro-enterprises