我国商业银行理财业务存在的问题与对策
Research on the Problems and Countermeasures of Commercial Banks’ Financial Services in China

随着商业银行的不断发展，理财业务在人们生活中的地位也愈发重要。与此同时，一系列有关商业银行理财的问题也日加突出，而这些问题的解决对于商业银行的发展又十分重要，就因此需要提出一些相应的解决对策。本文就商业银行理财问题展开分析，提出商业银行理财的相关对策建议。本文分为三个部分：第一部分主要介绍商业银行理财业务的概念和现状，第二部分分析商业银行理财业务存在的主要问题，第三部分主要是针对商业银行所存在的问题提出相应的解决对策。
With the continuous development of commercial Banks, the status of financial services in people’s life is more and more important. At the same time, a series of problems related to the financial management of commercial Banks are increasingly prominent, and the solution of these problems is very important for the development of commercial Banks, so it is necessary to put forward some corresponding countermeasures. This paper will analyze the financial problems of commercial Banks and put forward relevant countermeasures and suggestions for commercial Banks’ financial management. This paper will be divided into three parts: The first part mainly introduces the concept and status quo of commercial Banks’ financial services. The second part analyzes the main problems existing in commercial Banks’ financial services. The third part mainly aims at the commercial bank existence question to propose the corresponding solution countermeasure.