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

来源：百度知道 编辑：UC知道 时间：2024/09/20 07:06:14
随着我国国民经济持续、快速的发展，居民的投资意愿及现代理财观念增强，金融服务需求也日益多样化，个人理财业务的发展成为商业银行业务拓展的一个重点。商业银行个人理财业务作为一项新兴的低风险、低成本、高收益的中间业务，不仅可以增加银行的中间业务收入，带动银行零售业务的整体发展，而且还可以为商业银行带来大量的本外币存款的资金沉淀。为了实现我国商业银行的整体发展战略，加快零售业务的发展，有必要对我国商业银行个人理财业务的现状和发展进行探讨和分析。
论文共分为以下三个部分：首先，基于商业银行个人理财业务发展轨迹的回顾，介绍了我国商业银行个人理财业务发展的历史和现状；其次，从外部环境和银行内部体系两方面阐述了我国商业银行个人理财业务现阶段存在的问题，包括法律法规、金融政策、市场环境和个人信用体系的缺陷，以及商业银行在技术系统和专业人才方面的不足；最后，针对我国商业银行个人理财业务存在的问题，从法律制度的完善、金融政策的改变、目标市场的细分、技术系统的创新和专业人才的培养等方面提出了相应的对策建议。
麻烦，对于语法和专业词汇的部分也请斟酌一下，谢谢了

With the fact that our country national economy continuing for , developing speedily, resident's investment wish and modern times the concept managing money matters strengthens , the finance serves need diversifying also gradually , individual development of the business managing money matters becomes commercial bank business opening up a priority of exhibition. Commercial bank individual the business managing money matters is low one risk , low cost , high avails centre business new and developing, not only being able to increase the bank centre business invisible income, drive bank retail business entirety to develop , can bring large amount of capital deposit in foreign currency fund precipitayion to large amount of capital deposit in foreign currency fund precipitayion commercial bank and. For the overall development strategy realizing our country commercial bank, accelerate development of retail business , have certainly needing business current situation managing money mat