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

Question

4 中国商业银行个人理财业务的发展对策
随着金融开放和金融国际化的发展，我国金融机构个人理财业务也必然要向国际并轨，为客户提供综合化、个性化金融服务的个人理财业务将成为各类商业银行业务拓展的必然趋势。根据我国商业银行业务现状，针对以上存在的问题，我国商业银行个人理财业务的发展对策也应从外部环境和银行内部体系两方面入手。
4.1 外部环境的改善
4.1.1 法律法规的完善
个人理财业务作为一项综合业务，它的健康、快速发展离不开社会、政府各方面的配合和支持，尤其是法律法规体系的完善。目前，国内分业经营的金融政策和缺失的法律法规已封堵了商业银行业务创新的空间，在商业银行个人理财业务的发展过程中，改革金融政策，建立健全相关的法律、法规已成为必然趋势。
法律法规体系的完善工作，一方面是对社会信用体系的规范。具体可从下面三个层面来说明：第一，从国家政府的角度出发，应建立相关的法律法规，保持微观主体的产权，政府和国家为社会信用的建立制定总纲和总则，从宏观上为信用体系建设提供指引，同时加强信用透明度和公众监督力度；第二，从行业的角度出发，在加强法律法规的约束，防范和规避金融风险的同时，也应从《商业银行法》、《信托法》、《证券法》中对个人理财业务的相关内容做出明确的界定和解释；第三，从金融机构的角度出发，加强个人信用的管理工作，建立个人信用操守准则，完善金融企业对个人信用具体管理和操作进行。
另一方面，法律法规的完善，也应当包括改变分业经营的金融政策，促使我国银行业从分业经营向混业经营转变。

Answer 1

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~~~~~~