Question

翻译一篇文章 急！在线等~高分！

随着居民的投资意愿及现代理财观念增强，我国商业银行个人理财业务正日益成为商业银行实现发展战略调整与业务转型的重要手段。商业银行金融创新步伐加快，为金融消费者提供综合化、个性化金融服务的个人理财业务逐渐成为商业银行业务发展的重点。随着居民的投资意愿及现代理财观念增强，我国商业银行个人理财业务正日益成为商业银行实现发展战略调整与业务转型的重要手段。商业银行金融创新步伐加快，为金融消费者提供综合化、个性化金融服务的个人理财业务逐渐成为商业银行业务发展的重点，也将成为各类商业银行业务拓展的必然趋势。本文对如何妥善地处理好理财业务发展，提高商业银行对理财业务风险的管理水平，加强对理财业务的监管。指出了我国商业银行个人理财业务存在的主要问题及发展面临的主要障碍，阐明了我国个人理财业务创新的主要内容并提 出了对策建议，以期能对我国商业银行个人理财业务的发展有所裨益。目前国内个人银行业务领域还是缺乏迎合消费者需求变化的个人银行金融产品的创新

国际优秀的商业银行都非常注重金融创新，例如，花旗银行就十分强调创新，不断推出新的金融产品和新的服务方式，以满足客户的各式要求。但从目前国内商业银行开展个人金融业务的情况来看，各行对于如何根据市场的变化和客户的需要推出适销对路的新产品考虑较少；同时，在推出个人金融理财服务时，更多的也是从银行自身利益出发，从而做出种种不利于客户的限制政策，不能满足不同客户对象的需求。

（二）缺乏相对独立的业务运行系统

个人金融理财业务是体现“以客户为中心”理念、为客户提供一站式服务的一种新型综合性业务，因此它的顺利开展必须依赖于前后台业务的整合。而在目前国内商业银行的组织机构设置中，各个人金融理财业务工作通常归口于各个银行部，但由于个人金融理财业务涉及资产、负债和中间业务，而上述业务又分别由多个部门管理，导致前台业务条块分割。个人金融理财业务不能形成相对独立的业务系统，使商业银行无法为客户提供一站式服务。

（三）缺少客户信息平台的有效支持

建立和运用客户资料库分析系统是银行个人理财的基础，以客户而不是以账户为基础的客户资料库在个人理财业务中扮演着重要的角色，但国内多数商业银行的运行系统是建立在账户的基础上的，客户信息也极为有限，因此无法有效地加以分析利用，导致理财业务的开展犹如“盲人摸象”，始终无法确定目标群体。同时，商业银行之间、商业银行与保险、证券公司之间的有关客户信息资料库还不能相互形成共享，有时甚至还产生相互封锁，客观上造成了客户信息资源的浪费，不利于个人金融理财业务向纵深发展。

（四）缺乏复合型的个人金融理财人才

由于理财业务是一项综合性的业务，它要求理财人员不仅必须全面了解个人银行业务的各项产品和功能，还应掌握证券、保险、房地产等相关知识。而金融分业经营使国内商业银行复型人才非常匮乏，一个对各项存款存期如何搭配非常精通的银行理财专家可能对股票债券以及各家保险公司的产品非常陌生。复合型理财人才的严重缺乏，制约了商业银行为客户提供全面的个性化金融理财服务。
请翻译的像样点的！我毕业论文要用

Answer 1

As residents of modern financial investment and ideas, enhance business bank of our country is becoming the personal financial management business development strategy of commercial Banks and business transformation. Commercial Banks, financial innovation faster for consumer financial integration and personalized financial services of the personal financial management business gradually become the focus of the development of commercial Banks. As residents of modern financial investment and ideas, enhance business bank of our country is becoming the personal financial management business development strategy of commercial Banks and business transformation. Commercial Banks, financial innovation faster for consumer financial integration and personalized financial services of the personal financial management business gradually become the development of commercial Banks, and will become the focus of the commercial bank business development trend. The paper discusses how to properly handle finance business development, improve the commercial Banks to finance business risk management, strengthening the supervision of financial management business. Pointed out that our country commercial bank of the personal financial management business problems and development, expounds the main obstacles in the personal financial management business innovation and the main content of the countermeasures and Suggestions, hoping to commercial Banks in China for the development of the personal financial management business. At present domestic private banking business areas or lack of consumer demand changes to the private banking financial product innovation

The international commercial Banks are very good on financial innovation, for example, citigroup has emphasized innovation, constantly introducing new financial products and services to meet the new demands of various customers. But from the current domestic commercial Banks to develop personal financial business, all to according to the changes of the market and customer's need to launch new products marketable less consider, At the same time, the personal financial management services launched from a bank, more is their own interests, thus making various restrictions against the customer can satisfy different customers, policy of demand.

(2) lack of relatively independent business operation system

Personal financing business reflects the "customer-oriented" concept, providing customers with one-stop service is a new kind of integrated business, so it must be dependent on smoothly QianHouTai business integration. But in the domestic commercial Banks in the setting of the organization, each person financing business practices in every home work normally, but due to the individual financing business involves the assets, liabilities, and the intermediate services and business and management, causing by multiple departments front business intersected. Personal financing business cannot form the relatively independent business system, the commercial Banks can provide one-stop service.

(3) lack of effective support for customer information platform

Establish and use the client database analysis system is the foundation of personal finance, bank account customer rather than by the client database based on individual financing business plays an important role, but the majority of domestic commercial Banks operating system is built on the basis of the account information, customer is limited, so cannot effectively, resulting in financial analysis using services like "MangRenMoXiang", still cannot determine the target group. At the same time, the commercial Banks, commercial Banks and insurance companies, securities related customer information databases can share each other, sometimes even formed produces mutual blockade, which caused the customer information waste of resources, and facilitate the further development of financial services.

(4) lack of personal financial compound talents

Because business is a comprehensive business, it is not only the requirement of wealth managers must fully understand the personal banking products and function, should also master securities, insurance, real estate related knowledge. But financial decentralized management make domestic commercial Banks is very scarce, complex talents for the deposit, a master of tie-in maturity to bank to finance expert may families bonds and stocks of insurance company product is very strange. Complex financial talent shortage, restrict the commercial Banks to provide comprehensive personalized financial services.

Answer 2

Manages finances the idea along with inhabitant's investment wish and the modern age to strengthen, Our country Commercial bank manages finances the service lunar new year's day to benefit into the commercial bank personally to realize the developmental strategy adjustment and the service reforming important method.The commercial bank finance innovation step speeds up, provides integrated, the personalized finance service for the financial consumer manages finances the service to become the commercial banking development gradually personally the key point.Manages finances the idea along with inhabitant's investment wish and the modern age to strengthen, Our country Commercial bank manages finances the service lunar new year's day to benefit into the commercial bank personally to realize the developmental strategy adjustment and the service reforming important method.The commercial bank finance innovation step speeds up, provides integrated, the personalized finance service for the financial consumer manages finances the service to become the commercial banking development gradually personally the key point, also will become each kind of commercial banking development the inevitable trend.How does this article to process properly manages finances the service development, enhances the commercial bank to manage finances the service risk management level, strengthens to manages finances service supervising and managing.Had pointed out Our country Commercial bank manages finances personally the chief obstacle which the service existence main question and the development faces, had expounded our country managed finances personally the service innovation primary coverage and proposed the countermeasure suggestion, could manage finances by the time to Our country Commercial bank the service development to have a benefit personally.At present the domestic individual bank service domain deficiently caters to the consumer demand change individual bank finance product innovation international outstanding commercial bank itinerant to pay great attention to the financial innovation extremely, for example, the International Banking Corp on emphasizes the innovation extremely, promotes the new financial product and the new service way unceasingly, satisfies the customer various types request.But develops individual financial service from the present internal commerce bank the situation to look that, how each line regarding does need to promote the new product consideration according to the market change and the customer which is suitable for sale to be few; At the same time, when promotes individual finance manages finances the service, more also is from bank own benefit embarks, thus makes all sorts not to favor the customer the limit policy, cannot satisfy the different customer object the demand. (2) lacks the relatively independent service movement system individual finance to manage finances the service is manifests “take the customer as the center” the idea, provides the "one-stop" work style service for the customer one kind of new comprehensive service, therefore its smooth development must rely on the front backstage service conformity.But in the present internal commerce bank organizations and agencies establishment, each human of finance manages finances the office work usual return in each bank department, but because individual finance manages finances the service to involve the property, the debt and the middle service, but the above service manages separately by many departments, causes the onstage service division of vertical (i.e.Individual finance manages finances the service not to be able to form the relatively independent operational channel, causes the commercial bank to be unable for the customer to provide the "one-stop" work style service. (3) lacks the customer information platform the effective support establishment and using the customer information bank analysis system is the foundation which the bank manages finances personally, but is not is managing finances take the customer by the account as the foundation customer information bank in the service to act the important role personally, but the domestic most commercial bank's movement system is the establishment in the account foundation, the customer information extremely is also limited, therefore is unable to analyze the use effectively, causes to manage finances the service development like “the draw conclusions from incomplete data”, is unable throughout the definite goal community.At the same time, between the commercial bank, the commercial bank and the insurance, between the negotiable securities company's related customer information information bank cannot form sharing mutually, sometimes even also produces blocks mutually, on objective has created the customer information resource waste, does not favor individual finance to manage finances the service to the depth development. (4) lacks the multi-skill individual finance to manage finances the talented person because manages finances the service is a comprehensive service, not only it requests to manage finances the personnel to have to understand individual bank service comprehensively each item of product and the function, but also should grasp the negotiable securities, the insurance, the real estate and so on the related knowledge.But a financial minute industry management causes the internal commerce bank duplicate talented person to be extremely deficient, saves the bank to each deposit which how the time does match is skilled in extremely to manage finances the expert possibly to the stock bond as well as various insurance company's product is extremely strange.The multi-skill managed finances the talented person to lack seriously, restricts the commercial bank to provide the comprehensive personalized finance for the customer to manage finances the service.