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
The main content and views are summarized as follows:
First, commercial banks introduced personal financial history of the development of business, focusing on analysis of individual commercial banks in China's history of the development of financial business, as well as personal finance and business banking in developed countries compared to the shortcomings.
Second, China's commercial banks on the process of development problems. Although China's commercial banks are adjusting their development strategies, paying attention to personal financial services, but if the true sense of the outside of Personal Financial Services standards, China's personal finance business is still quite immature. The existence of the various issues grouped into the following two aspects, one of the constraints of external environment, including policy and market environment system deficiencies, as well as the actual credit system; Second, the banking system and its own internal problems, including lack of technology and the lack of professionals.
Third, China's commercial banks for the development of the existing problems in the future development of countermeasures to its recommendations. Commercial Banks, Personal Financial Services in order to achieve fundamental change and development is a business philosophy, marketing, product development, technology, personnel training, including complex and difficult process of change. On the one hand, the need for the development of relevant national laws and regulations, policy support system, the abolition of the factors constraining their development; on the other hand, the main requirements of commercial banks as an internal management system, technology, marketing and other aspects of reform .
In this paper, the innovations include: Personal Financial Services on the domestic situation analysis of the development of its existing problems, from the external environment and internal bank systems of the two aspects of, and on this basis the corresponding countermeasures and suggestions.
Level and as a result of my time is limited, a detailed analysis of this paper, a combination of practical and theory is still open to question, there are many places, these gaps and deficiencies in the future hope to be able to learn and practice and amendments be made up.
System of policy-related constraints is also reflected in the corresponding legal system is far from perfect. On the one hand, such a perfect performance in our existing laws on commercial banks to conduct personal financial business, there is no clear legal definition of the nature of the practice prevailing at the end of the terms of the effectiveness of security there is no unified understanding. On the other hand, as a result of separate operation of the control policy, commercial banks, personal finance business, but in reality for the trust management business, commercial banks are playing a greater role of intermediaries, customers and third-party financial institutions to build a bridge. Credit has become extremely important issues. The fact is, however, the current lack of trust management of China's business laws and regulations to be appropriate and effective regulatory norms, the same lack of customer interest and effective legal protection, coupled with banks and other financial institutions entrusted to carry out financial operations, such as the existence of unfair competition aspects.
In conclusion, how the commercial banks of China's Personal Financial Services qualitative, our country's legal system does not give the corresponding definite conclusion, in addition to the long-standing points of our business model, the existing laws and regulations of the industry does not form a complete system , the regulations also seem to have contradictory, confused people. How to carry out supervision, China's regulatory authorities and lack of experience, personal financial business in the many legal issues remain to be perfect.
3.1.2 market environment constraints
Compared to open market of foreign interest rates and products of intermediary business pricing power, independently of commercial banks to provide a broad space, enabling them to according to their own market positioning and business ideas to develop and design products prices, and promote the business development, our country has yet to implement market-oriented interest rate that commercial banks on the personal financial products do not have their own pricing, so the inter-bank competition can only be carried out through the products and services, and prices in the currency can not give customers more benefits, but can not currency prices through innovative products, which makes China's commercial banks of Personal Financial Services will be subject to the limitations of the development.
Cause that the business managing money matters to our country individual springs up, (2008) regards as mighty torrent being that macro-economy increases by rapidly first, that the people invisible income escalation has establish a material base for the plan managing money matters, has been that economic restructuring and society transform secondly develop have brought about a few uncertain factors , in addition, the fundamental guarantee of society has lagged , hastened child delivery people's managing money matters need, be financial products's once again the investment rich , having improved people manages money matters gradually realizing.
第二段翻译如下
But, the individual manages money matters in the homeland though business already displaying the gigantic development potential, but still existence a variety of defects. Business current situation managing money matters to Chinese commercial bank individual, (2008) think of show Chen Ran though every commercial bank has established all kinds of business, but whose common characteristic being that the bank managing money matters serves a product , the kind gives first place to settlement , arrangement of ideas is low , the breed is few; The letter of advice managing money matters serving being to be a customer also only consulting about , providing to manage money matters , the height managing money matters having served the threshold interposing; The individual trust business mounting main current to the international sets foot in being short; Put particular emphasis on Yu promoting sales of the now available product of bank, individuation to the customer serves lack; In the homeland, mainly, product provided by every bank same quality , is short of a brand.
第三段翻译如下
That the Wang Jing Ran (2008) item of the product managing money matters by contrast middle , the foreign bank, reaches the following conclusion, is that target customer allocation is different first , the middle money bank threshold is lower than foreign bank; The secondary , product mix are different; Once again, risk controls ability diversity. The foreign bank is not solid on the middle money bank being controlled in risk. The product and quality managing money matters spend the distant product quantity greater than foreign bank, but every big banks managing money matters though being hit by the money bank phenomenon is comparatively grave. Besides, do not have the ability acting on self's own comparatively by force studying the innovative product and fixed price since the technology and the inkstone hair strength are weak,before technology contents higher , operate an ability to the fund to demand higher FOAK business field, if derive from trade, by the fact that international capital market operates the product gaining the avails managing money matters, nearly blank space.
第四段翻译如下
Problem that the business managing money matters to a variety of existence restraint our country commercial bank individual develops, (2009) the business risks administration managing money matters by the fact that business brand managing money matters having analysed , having brought forward the following countermeasure , science to work out the product managing money matters and the camp who serves selling tactics , the sharpening bank individual propagating tactics , camp selling the channel FOAK , reinforcing bank individual and the background controlling IT wielding science's horizontal , broad accelerating a bank support Wei Zhao and Cao Xiao Ping systematically construction.
文章有些长、、望认真看完、、标准人工翻译、、希望可以帮助你、、
Personal Financial Services for the rise of China's reasons, flood (2008) that the first is the rapid economic growth, increasing people's income for the financial planning laid the material foundation, followed by economic restructuring and social transformation brought about by the development of a number of uncertainties, In addition, the basic protection of the community behind, gave birth to people's financial needs, is once again becoming rich in financial products and improve people's awareness of finance and investment.
However, personal financial management business has been showing a great potential for development, but there are still a variety of defects. Commercial Bank of China the status of Personal Financial Services, Chen Ran (2008) that, while commercial banks offer a wide range of business, but the performance of the common characteristics of financial services for the bank products to clearing the main category, the level of low, varieties; and financial management services for clients only advisory, the provision of financial proposals, financial services set the threshold too high; for the mainstream of the international community involved in the personal trust business less; emphasis on marketing existing products, banks, personalized customer service not enough; by domestic banks to provide financial products are basically the same, the lack of brand names.
Wang Jing-yin (2008) by contrast, the foreign bank financial products, come to the following conclusions, first, targeting different banks in foreign banks than the low threshold; Secondly, different product mix; again, different risk control. Chinese-funded banks in risk management of foreign banks is not sound. Although Chinese banks is much larger than the number of financial products of foreign banks, but financial products, banks and more serious homogenization phenomenon. In addition, due to the weakness of technology and R & D, and do not have strong independent research and development of innovative products and pricing capabilities, with a high level in technology, operational capability of the higher funding innovative business areas, such as derivative transactions, through access to international capital market operations Financial products revenue, almost blank.
Constraints for the existence of commercial banks of China's personal finance business development,Wei Zhao and CAO Xiao-Ping (2009) through the analysis, the following measures, the scientific development of financial management products and services, marketing strategy to enhance the bank's Personal Financial Services brand promotion strategy, innovative marketing channels to strengthen the bank Personal Financial Services risk management and control level, the wider application of information technology to speed up the scientific background to support the banking system.
Personal Financial Services for the rise of China's reasons, 洪流 Hong Liu (2008) that the first is the rapid economic growth, increasing people's income for the financial planning laid the material foundation, followed by economic restructuring and social transformation brought about by the development of a number of uncertainties, In addition, the basic protection of the community behind, gave birth to people's financial needs, is once again becoming rich in financial products and improve people's awareness of finance and investment.
However, personal financial management business has been showing a great potential for development, but there are still a variety of defects. Commercial Bank of China the status of Personal Financial Services, 陈冉 Chen Ran (2008) that, while commercial banks offer a wide range of business, but the performance of the common characteristics of financial services for the bank products to clearing the main category, the level of low, varieties; and financial management services for clients only advisory, the provision of financial proposals, financial services set the threshold too high; for the mainstream of the international community involved in the personal trust business less; emphasis on marketing existing products, banks, personalized customer service not enough; by domestic banks to provide financial products are basically the same, the lack of brand names.
王静然 Wang Jing ran (2008) by contrast, the foreign bank financial products, come to the following conclusions, first, targeting different banks in foreign banks than the low threshold; Secondly, different product mix; again, different risk control. Chinese-funded banks in risk management of foreign banks is not sound. Although Chinese banks is much larger than the number of financial products of foreign banks, but financial products, banks and more serious homogenization phenomenon. In addition, due to the weakness of technology and R & D, and do not have strong independent research and development of innovative products and pricing capabilities, with a high level in technology, operational capability of the higher funding innovative business areas, such as derivative transactions, through access to international capital market operations Financial products revenue, almost blank.
Constraints for the existence of commercial banks of China's personal finance business development,魏昭 Wei Zhao and 曹小平 Cao XiaoPing (2009) through the analysis, the following measures, the scientific development of financial management products and services, marketing strategy to enhance the bank's Personal Financial Services brand promotion strategy, innovative marketing channels to strengthen the bank Personal Financial Services risk management and control level, the wider application of information technology to speed up the scientific background to support the banking system.
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