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

本文的主要内容和观点总结如下：
第一，介绍了商业银行个人理财业务的发展历史，着重分析了我国商业银行个人理财业务发展的历史，以及与发达国家银行个人理财业务相比存在的缺陷和不足。
第二，阐述了我国商业银行发展过程中存在的问题。虽然我国目前各商业银行都调整了自己发展的策略，开始重视个人理财服务，可是如果用国外真正意义上的个人理财业务标准来衡量，我国的个人理财业务的发展还是相当不成熟的。存在的各种问题分为以下两个方面，一是外部环境的制约，包括相关制度政策和市场环境的缺陷，以及信用体制的确实；二是银行体系内部自身存在的问题，包括系统技术的缺乏和专业人才的匮乏。
第三，针对我国商业银行发展过程中存在的问题，对其今后的发展对策提出建议。商业银行个人理财业务要实现根本性的转变和发展是一个包括经营理念、市场营销、产品开发、技术手段、人才培训等在内的复杂而艰辛的变革过程。一方面需要国家为其发展提供相关的法律法规、制度政策上的支持，取消制约其发展的因素；另一方面也要求作为主体的商业银行进行内部管理制度，系统技术，市场营销等方面的改革。
本文的创新之处有：对国内个人理财业务的发展现状进行分析，对其存在的问题，从外部环境和银行内部两方面作了系统的阐述，并在此基础上提出了相应的对策建议。
由于本人水平和时间的有限，本论文的具体分析、实际与理论的结合上还存在很多有待商榷的地方，这些缺陷和不足希望能够在今后的学习和实践中予以弥补和修正。

Answer 1

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.