《我国商业银行理财业务的发展现状、发展瓶颈及未来发展机遇-中国以农业银行为例》摘要：近年来，我国不断收紧信贷政策，不断加快利率市场化进程，信贷政策不断收紧，资本市场受到的管制日益严格。我国商业银行的传统业务模式被打破，自身的盈利空间被挤压，寻求新的利润生存空间成为必然。商业银行除了主营业务之外，中间业务是商业银行的重要利润来源。中间业务由于收益偏高、风险偏小，发展潜力大等特点成为众商业银行发展竞争的重要部分。理财业务是商业银行中间业务中的作用不可小觑，对商业银行的非利差收入的增长、业务的多样性等意义都很重大，选题的理论意义和实践意义都很大。本文就我国农业银行理财业务发展现状，遇到的问题瓶颈，发展策略进行分析，以便能正确认识自身发展的优劣势，根据市场行情把握机会，积极面对机会与挑战，实施自己的发展战略定位。关键词：中国农业银行，中间业务，现状，对策，机遇Development of Financial Management Business in CommercialBanks in China,Development Bottlenecks and FutureDevelopment Opportunities-A Case Study of Agricultural BankAbstract:In recent years,China has been tightening credit policy,speeding up the process of interestrate marketization,tightening credit policy,and increasingly strict control of capital markets.Thetraditional business model of Chinese commercial banks has been broken,their own profit space hasbeen squeezed,and it is inevitable to seek new profit living space.In addition to the main business,theintermediate business is an important source of profit for commercial banks.Due to the characteristicsof high income,low risk and high development potential,intermediary business has become animportant part of the development competition of commercial banks.Financial management business isthe role of commercial banks in the intermediary business can not be underestimated,the growth ofnon-differential income of commercial banks,business diversity and other significance are verysignificant,the theoretical and practical significance of topics are very great.This paper analyzes the current situation,problem bottleneck and development strategy of ouragricultural bank's financial management business,so as to correctly understand the advantages anddisadvantages of its own development,grasp the opportunity according to the market situation,activelyface the opportunities and challenges,and implement its own development strategy orientation.Key words:Agricultural Bank of China,intermediate business,current situation,countermeasures,opportunities目录1.1我国商业银行理财业务发展问题的研究背景和研究意义11.1.1我国商业银行理财业务发展问题的研究背景.…11.1.2我国商业银行理财业务发展问题的研究意义11.2文献综述…1.2.1国内研究.…21.2.2国外研究…21.3论文研究方法和内容31.3.1研究方法.31.3.2研究内容.3第2章我国商业银行理财业务的发展现状…42.1理财业务发展势头强劲42.2理财产品种类逐渐增加..42.3理财业务发展条件更加成熟…第3章我国商业银行理财业务存在的问题和遇到的瓶颈.63.1理财产品的风险管理滞后.63.2理财人员知识结构不健全，专业的理财规划师严重缺乏63.3理财产品营销不规范，产品透明度不高…3.4商业银行理财业务缺乏自主创新能力.73.5对公众理财知识的宣传教育力度不够.….83.6理财业务售后服务不到位.8第4章解决我国商业银行理财业务问题的解决对策.…94.1尽快实现零售业务转型…4.2强化以客户为中心的的经营理念…94.3加强产品差异化程度，加大理财产品的创新力度104.4加强业务风险管理…104.5引进高级人才，强化服务理念…11第5章我国商业银行理财业务未来发展机遇…5.1金融不断创新…5.2金融市场不断完善.…5.3利率市场化…13第6章总结….14参考文献：15致谢…