高分悬赏，寻求英文翻译高手

Question

翻译如下文章

境外和香港地区商业银行个人理财业务发展状况
在全球经济一体化、金融自由化及现代科技发展浪潮的推动下，西方发达国家商业银行纷纷调整经营策略，千方百计地发展个人理财业务。个人理财业务规模一般占银行整个业务量的50%~70%，经营范围涵盖个人储蓄、消费信贷、证券与基金投资、外汇、保险、租赁与融资、个人理财、委托代理、资产管理、财务咨询等众多领域的业务内容[5]。服务品种200余种，利润收入一般占银行利润总额的40%~70%。
一些外资银行在混业经营的大环境中走来，在个人理财领域积累了一套自成体系的投资经验。如花旗银行提供的个人理财服务种类很多，客户只要在花旗银行设立一个账户，就可得到一揽子金融服务，这些服务不仅包括存取款、信用卡及汽车和房屋贷款等，还包括办理保险、买卖股票、基金和债券等金融产品。对一些不善于理财的客户，银行可以提供专门的个人投资理财服务。客户只要将自己的年龄、资产规模、收入状况、生活质量、预期目标和风险承受能力等告诉银行的个人理财专家，他们就能够帮助客户量身定制理财方案，实际上也就是不断调整存款、股票、基金、债券等投资组合的比例，以取得最佳投资回报。如果客户不满意可以随时抽走资金。这就对银行形成了一定的压力，要求银行必须为客户带来较高的投资收益。对那些想自己过一把投资瘾的客户，花旗银行也设立了几种专门的投资账户，比如自动投资账户和保证金投资账户等。
在香港，商业银行的个人理财业务也广泛涉及基金储蓄、基金投资、保险、信托等金融服务。相对于中长期而言，银行存款回报必定较通胀、债券及股票的回报低，人们逐渐改变了原先以银行存款为主要储蓄方式的习惯，通过商业银行提供的基金储蓄计划和基金投资服务，将资金有效地投入债券基金、股票基金、保证基金和对冲基金等，并将资金分散于不同地区及行业。在保险服务方面，商业银行的财务顾问还会根据客户的需要，在人寿、意外、旅游、物业等各种类型的保险服务中为其选择合适的保险产品及其组合。同时，香港的一些商业银行还就诸如为下一代保管财富、避免遗产税申请、税务安排等信托业务提供服务。
由于香港银行也竞争激烈，除了在正常银行业务方面进行角逐外，还将触角伸及大众的生活领域，力求多做服务，赢得客户。例如，香港的商业银行还扮演一种生活消费顾问的角色，定期向客户提供最新时尚生活潮流资讯，如潜水、野营等，并联系不少商家，专门提供折扣服务。除了上述这些基本的理财服务之外，香港各大银行又以各自的优势，标榜有特色的服务来向客户提供“度身订造”的便利。汇丰银行就以“四专”来吸引顾客。所谓“四专”是指“专人”（特派固定专员代办理财事务）、“专线”（专人接听电话理财专线）、“专行”（26间卓越理财中心）、和“专柜”（分行内为卓越理财专设的几个专门柜台）。另外，该行还在它的理财中心设立3000个保险箱[6]。
在国外，个人理财业务几乎深入到每一个家庭。个人理财规划师会根据客户的情况和要求，度身订做一套符合其个性特征的理财方案，如果需要，还可以代理操作，同时跟踪、评估理财绩效，并不断修正，还扩展分为生活理财和投资理财两种，已经形成了高效的体系。

要求通顺，没语病就行
满意的话还会追加悬赏

Answer 1

Overseas and Hong Kong area of commercial Banks' personal financial management business development In the global economy integration, financial liberalization and modern science and technology development tide in western developed countries have adjustment of commercial bank management strategy, leave no stone unturned to development of the personal financial management business. The personal financial management business scale of bank of the portfolio average 50-70%, business scope covers personal savings, consumer credit, securities and investment funds, foreign exchange and insurance, leasing and financing, personal finance, agent, asset management and financial consulting and so on themultitudinous domain of business [5]. More than 200 varieties of service and profit margins of the total profit of Banks generally 40% ~ 70%. Some foreign Banks in the mixed operation environment, in individual financial field accumulated a self-sustaining investment experience. As citibank provides a variety of personal financial management services, clients at citigroup, establish a account package available, these financial services include not only credit card service deposit and loan and cars and houses, and also includes conduction insurance, stock, bond fund and financial products. For some good financial customers, bank can offer special individual investment banking services. Client will own age, asset scale, income, quality of life, the target and risk to bear ability as the personal finance expert told Banks, they can help tailor-made financial plans, but also is constantly adjust deposit, stock, fund, bond portfolios, etc, in order to obtain the best return on investment. If customers don't satisfied anytime draw money. This is a form of bank of pressure, for the customer requirements must bring higher yields. For those who want to have a client, investment of citigroup have set up several special investment account, such as automatic investment account deposit and investment accounts, etc. In Hong Kong, commercial bank of the personal financial management business also widely involved fund of insurance fund investment, savings, financial services, trust, etc. Relative to the long-term, bank deposit returns than inflation, bonds, and surely stock returns, people gradually changed to bank deposits for original ways of saving habit, through the commercial Banks provide funds of savings plan and fund investment services, capital effectively into a bond fund, stock fund, guarantee funds and hedge funds and scattered in different areas and industries. In insurance service, commercial bank's financial advisers also according to the customer's needs, in the life, accidents, tourism, property, and other types of insurance services for its selection of appropriate insurance products and their combination. Meanwhile, Hong Kong also some of the commercial Banks, such as for the next generation custody wealth, avoiding tax, tax arrangements for such trust business services.
Overseas and Hong Kong area of commercial Banks' personal financial management business development In the global economy integration, financial liberalization and modern science and technology development tide in western developed countries have adjustment of commercial bank management strategy, leave no stone unturned to development of the personal financial management business. The personal financial management business scale of bank of the portfolio average 50-70%, business scope covers personal savings, consumer credit, securities and investment funds, foreign exchange and insurance, leasing and financing, personal finance, agent, asset management and financial consulting and so on themultitudinous domain of business [5]. More than 200 varieties of service and profit margins of the total profit of Banks generally 40% ~ 70%. Some foreign Banks in the mixed operation environment, in individual financial field accumulated a self-sustaining investment experience. As citibank provides a variety of personal financial management services, clients at citigroup, establish a account package available, these financial services include not only credit card service deposit and loan and cars and houses, and also includes conduction insurance, stock, bond fund and financial products. For some good financial customers, bank can offer special individual investment banking services. Client will own age, asset scale, income, quality of life, the target and risk to bear ability as the personal finance expert told Banks, they can help tailor-made financial plans, but also is constantly adjust deposit, stock, fund, bond portfolios, etc, in order to obtain the best return on investment. If customers don't satisfied anytime draw money. This is a form of bank of pressure, for the customer requirements must bring higher yields. For those who want to have a client, investment of citigroup have set up several special investment account, such as automatic investment account deposit and investment accounts, etc.