英语高手请帮忙，帮我将下面一段话翻译成英文，谢绝在线翻译和工具翻译
With the fact that our country national economy continuing for , developing speedily, resident's investment wish and modern times the concept managing money matters strengthens , the finance serves need diversifying also gradually , individual development of the business managing money matters becomes commercial bank business opening up a priority of exhibition. Commercial bank individual the business managing money matters is low one risk , low cost , high avails centre business new and developing, not only being able to increase the bank centre business invisible income, drive bank retail business entirety to develop , can bring large amount of capital deposit in foreign currency fund precipitayion to large amount of capital deposit in foreign currency fund precipitayion commercial bank and. For the overall development strategy realizing our country commercial bank, accelerate development of retail business , have certainly needing business current situation managing money matters to our country commercial bank individual and developing investigation and discussion and analysis being in progress. The thesis is three the following parts together mark: First, business develops the trajectory retrospect owing to that the commercial bank individual manages money matters, history and current situation that the business having introduced that our country commercial bank individual manages money matters develops; Secondly, two aspect has set forth the problem that our country commercial bank individual there exists in business present stage managing money matters from the outside environment and bank inside system, the defect including laws and statutes , financial policy , marketplace environment and personal credit system , the commercial bank deficiency and in the field of technology system and the professional; Business have problem managing money matters finally, specifically for our country commercial bank individual, aspect such as improving and perfecting from legal system , the financial policy changing , the target market subdividing , systematic FOAK of technology and professional's culture has submitted corresponding countermeasure suggestion.
这么长，我慢慢翻译了，等我哈。我手动翻译的，要一天时间。。。
第一段
4 The strategies for the development of Chinese commercial banks' Personal Financial Services
With the opening of the financial market and the development of financial globalization, the Personal Financial Services of our nation's financial organs shall also conform to the global current, and to provide integrated, personalized financial services for the customers is also a necessary trendy for the business enlargement of various commercial banks. Given our country's commercial banks' status quo and the existing questions aforementioned, the strategies for the development of Chinese commercial banks' Personal Financial Services shall focus on both the external environment and internal system.
第二段正在翻。。。
4.1 the improvement of the external environment
4.1.1 the modification of laws and regulations
Personal Financial Service is a integrated business whose healthy and fast development can not be realized without the cooperation and support from society and government, especially the modification of jurisprudence system. In the current stuitation, the separated operation of domestic monetary policy and the absence of laws and regulations have already blocked the space for creation of the commercial banks' business. During this development course of the commercial bank's Personal Financial Services, to modify the jurisprudence system and to establish and improve relevant laws an regulations shall be a necessary tendency.
On one hand, the modification of jurisprudence system is to regulate the social credit system, which could be explained from three levels as follow: first, from the point of government, the government and our country shall establish relevant laws and regulations, maintain the property of the micro-principals, prescribe general programme and general principles for the social credit, guide the establishment of credit system from a macro prospective and strengthen the tranparency of credit and the potency of public supervision. Second, from the industry point of view, we shall advance the binding effect of laws and regulations so as to prevent and aviod the financial risk. And at the same time, we shall also explicitly define and interpret the revelent content of the personal financial services in "Commercial Bank Law", "Trust Law", "securities Law". Third, from the viewpoint of financial organs, we shall establish the guidelines for personal credit, and advance the specified operations and management of personal credit in financial corporations.
On the other hand, the modification of laws and regulations also requires the change of the monetary policy of separated operation so as to promote our banking industry to mixed operation.
哈哈，最近速度提升很快啊，这么长一段只花了40分钟，耶~~~~~~
3.1.3 lack of personal credit institutions
Client's financial assets not only the main proportion of liabilities are the rapid rise, especially in the wake of domestic consumer credit business continued to expand, customers have been made to the bank and how the assets and liabilities in the balance between the search and takes into account the risks and income. At present, China still lacks a complete set of norms of individual credit system, which to a large extent restricted commercial banks in particular, Personal Financial Services personal consumer credit business, a major bottleneck. The lack of credit system will lead to the banking and information asymmetry among the residents. To avoid the risk of bad debts and reduce the possibility of loan losses, banks are in the process of personal financial management operations are generally more stringent provisions of the development, business development is more cautious on credit customers a more detailed review. This has considerably reduced in the individual supply of consumer credit business, which also has hampered China's Commercial Banks, Personal Financial Services's rapid development.
另一方面，证券市场依然不明朗的未来走势，以及尚未十分健全的信息披露机制加大了投资风险的同时，也给商业银行选择合作信托产品以及个人投资都带来了困难。而尚未发展成熟的国内保险市场、外汇市场也在一定程度上制约了商业银行个人理财业务快速健全的发展。
3.1.3 个人信用体制的缺失
客户的理财内容不仅以资产为主，负债的比例也在急速窜升，尤其随着国内消费信贷业务的不断拓展，客户已经向银行提出，怎样在资产和负债之间寻找平衡点，兼顾风险和收益。目前我国还缺乏一套完整规范的个人信用制度，这在很大程度上成为制约商业银行个人理财业务尤其是个人消费信贷业务的一个重要瓶
颈。信用制度的缺乏会导致银行与居民之间的信息不对称。为规避坏账风险，减少贷款损失的可能性，银行在办理个人理财业务时一般都制定较严格的条款，业务拓展较为谨慎，对个人信贷客户的审查较为细致。这在很大程度上减少了个人消费信贷业务的供给，从而也制约了我国商业银行个人理财业务的快速发展。
On the other hand, the stock market remains uncertain future trend, and have not been very sound information disclosure mechanism to increase the investment risk, but also to the selection of commercial banks as well as personal investment trust products that are difficult. But have not yet developed the domestic insurance market, the foreign exchange market is also constrained to some extent, commercial banks faster sound personal financial business development.
3.1.3 lack of personal credit institutions
Client's financial assets not only the main proportion of liabilities are the rapid rise, especially in the wake of domestic consumer credit business continued to expand, customers have been made to the bank and how the assets and liabilities in the balance between the search and takes into account the risks and income. At present, China still lacks a complete set of norms of individual credit system, which to a large extent restricted commercial banks in particular, Personal Financial Services personal consumer credit business, a major bottleneck. The lack of credit system will lead to the banking and information asymmetry among the residents. To avoid the risk of bad debts and reduce the possibility of loan losses, banks are in the process of personal financial management operations are generally more stringent provisions of the development, business development is more cautious on the personal credit customers a more detailed review. This has considerably reduced in the individual supply of consumer credit business, which also has hampered China's Commercial Banks, Personal Financial Services's rapid development.
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