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

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.