The　water＇s　Inherent　Optical　Properties　(IOPs),　including　absorption　and　scattering　coefficients　of　water　components,　are　the　essential　parameters　for　bio-optical　model　and　retrieval　of　water　quality　using　the　semi-analytical　method.　Nevertheless,　the　application　of　the　bio-optical　model　in　river　water　studies　is　still　very　rare.　Therefore,　taking　the　lower　Jinjiang　River　of　Fujian,　SE　China　as　an　example,　this　study　measured　and　calculated　the　bio-optical　properties　of　river　water　and　concentrations　of　optically　active　substances　based　on　in　situ　water　samples　collected　from　river　in　2007.　It　shows　that　R(0-)753,　R(0-)702/R(0-)680　and　R(0-)670/R(0-)423　can　be　used　to　estimate　total　suspended　solids　(TSS)　concentration,　phytoplankton　pigment　(PP)　concentration　and　the　CDOM　absorption　at　440nm,　respectively.　The　determination　coefficients　(R2)　of　the　retrieval　model　of　TSS,　PP　and　CDOM　are　0.953,　0.820　5　and　0.6213,　respectively.　The　corresponding　relative　errors　of　the　models　(RE)　are　6.1%,　21.87　%　and　22.18%.　The　results　show　that　the　model　for　estimating　TSS　can　achieve　the　highest　accuracy,　the　PP-estimating　model　has　the　second　highest　accuracy　and　the　CDOM-estimating　model　has　the　lowest.　The　relatively　lower　concentration　of　phytoplankton　pigments,　narrow　characterized　spectral　range　of　CDOM　and　influence　of　CDOM＇s　R(0-)　by　TSS　and　PP　within　this　spectral　range　contributed　to　their　relatively　lower　accuracy.