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
3.1.3 lack of personal credit institutions
Client's financial assets not only the main proportion of liabilities are the rapid rise, especially in the wake of domestic consumer credit business continued to expand, customers have been made to the bank and how the assets and liabilities in the balance between the search and takes into account the risks and income. At present, China still lacks a complete set of norms of individual credit system, which to a large extent restricted commercial banks in particular, Personal Financial Services personal consumer credit business, a major bottleneck. The lack of credit system will lead to the banking and information asymmetry among the residents. To avoid the risk of bad debts and reduce the possibility of loan losses, banks are in the process of personal financial management operations are generally more stringent provisions of the development, business development is more cautious on credit customers a more detailed review. This has considerably reduced in the individual supply of consumer credit business, which also has hampered China's Commercial Banks, Personal Financial Services's rapid development.
另一方面，证券市场依然不明朗的未来走势，以及尚未十分健全的信息披露机制加大了投资风险的同时，也给商业银行选择合作信托产品以及个人投资都带来了困难。而尚未发展成熟的国内保险市场、外汇市场也在一定程度上制约了商业银行个人理财业务快速健全的发展。
3.1.3 个人信用体制的缺失
客户的理财内容不仅以资产为主，负债的比例也在急速窜升，尤其随着国内消费信贷业务的不断拓展，客户已经向银行提出，怎样在资产和负债之间寻找平衡点，兼顾风险和收益。目前我国还缺乏一套完整规范的个人信用制度，这在很大程度上成为制约商业银行个人理财业务尤其是个人消费信贷业务的一个重要瓶
颈。信用制度的缺乏会导致银行与居民之间的信息不对称。为规避坏账风险，减少贷款损失的可能性，银行在办理个人理财业务时一般都制定较严格的条款，业务拓展较为谨慎，对个人信贷客户的审查较为细致。这在很大程度上减少了个人消费信贷业务的供给，从而也制约了我国商业银行个人理财业务的快速发展。
On the other hand, the stock market remains uncertain future trend, and have not been very sound information disclosure mechanism to increase the investment risk, but also to the selection of commercial banks as well as personal investment trust products that are difficult. But have not yet developed the domestic insurance market, the foreign exchange market is also constrained to some extent, commercial banks faster sound personal financial business development.
3.1.3 lack of personal credit institutions
Client's financial assets not only the main proportion of liabilities are the rapid rise, especially in the wake of domestic consumer credit business continued to expand, customers have been made to the bank and how the assets and liabilities in the balance between the search and takes into account the risks and income. At present, China still lacks a complete set of norms of individual credit system, which to a large extent restricted commercial banks in particular, Personal Financial Services personal consumer credit business, a major bottleneck. The lack of credit system will lead to the banking and information asymmetry among the residents. To avoid the risk of bad debts and reduce the possibility of loan losses, banks are in the process of personal financial management operations are generally more stringent provisions of the development, business development is more cautious on the personal credit customers a more detailed review. This has considerably reduced in the individual supply of consumer credit business, which also has hampered China's Commercial Banks, Personal Financial Services's rapid development.
18252998239：璇甯垜鎶杩欐涓枃缈昏瘧鎴鑻辫,楂樻墜璇峰府蹇,璋㈣阿銆
岛寇：绛旓細鎴戞斁涓嬩簡鑷皧锛岀涓娆¤繖鏍锋眰鍒汉 I put down my dignity and for the first time I pleaded like that.璁╂垜鑷繁閮芥劅瑙夎嚜宸卞儚鏄鐨禆鑴 It made me feel I was like a shameless guy,瀵圭潃浣犵紶鐫涓嶆斁sticking on you like a limpet. (stick like a limpet 鍥哄畾鐢ㄦ硶锛氱籂缂狅紝缂犵潃锛変綘鏄ㄦ櫄鐨勮瘽...
18252998239：姹鑻辫杈句汉甯垜缈昏瘧涓嬮潰鐨涓娈佃瘽,璋㈣阿浜嗗晩銆傛渶杩戝湪鍐欒鏂,鎬ュ晩銆楂樻墜甯...
岛寇：绛旓細affects social stability, which has posed a severe Challenge for building a harmonious socialist society. Therefore, solving the problem of wage arrears of migrant workers is of great practical significance to construct a harmonious socialist society . 浠旂粏鐪嬪摝锛屾垜鏀圭殑寰堣緵鑻︺
18252998239：涓瘧鑻,璇烽珮鎵嬪府蹇缈昏瘧涓嬮潰涓娈佃瘽,璋㈣阿!
岛寇：绛旓細濂ヨ繍浼氶┈涓婂氨瑕佸紑骞曚簡锛屽埌鏃跺欐垜浠湁鍙兘浼氭斁鍋囷紝鎵浠ヨ繖娈垫椂闂撮兘姣旇緝蹇欍傛垜琛ㄥ鍓嶅嚑澶╁洖鍥戒簡锛屽ス璇存湁涓涓湀宸﹀彸鐨勬椂闂寸帺锛屼綘鏈夋病鏈夋椂闂村埌涓浗鐪嬬湅鍟婏紝椤轰究鏉ョ湅鐪嬫垜锛屽搱鍝堛傚埌鏃跺彲浠ヨ濂瑰仛浣犵殑鍏嶈垂瀵兼父锛佺幇鍦ㄤ腑鍥界殑澶╂皵涔熸槸闈炲父鐐庣儹鐨勩傛湁涓笉澶ソ鐨勬秷鎭鍛婅瘔浣狅紝鎴戠殑鑻辫姘村钩娌℃湁寰堝ぇ鎻愬崌.The Olympic ...
18252998239：鏁鑻辫缈昏瘧楂樻墜甯繖鎶婁笅闈竴娈佃瘽缈昏瘧鎴愭眽璇,涓嶈鏈哄櫒缈昏瘧鐨...
岛寇：绛旓細peers and go home after the other children.鎶婁竴涓仛閿欎簨鐨勫瀛愰佸洖瀹舵槸娌℃湁鐢ㄧ殑銆備粬浠細鎶婅繖瑙嗕綔鍙互鐪嬬數瑙嗘垨鑰呯帺鐢佃剳娓告垙鐨勪竴澶╁亣鏈熴傜浉鍙嶇殑锛屽鏍″簲璇ュ缓绔嬪悇鐗规畩鐨勯儴闂紝涓涓煇澶╁仛閿欎簨鐨勫瀛愬彲浠ュ湪閭ｉ噷寰楀埌寤鸿锛岀煡閬撲粬鍙互鍋氫簺浠涔堟潵杩滅閭ｄ簺鍚岄緞浜哄拰鍦ㄥ叾浠栧瀛愬洖瀹跺悗鍐嶈蛋銆傛按骞虫湁闄愶紝sorry ...
18252998239：璇楂樻墜甯繖鍚т笅鍒涓娈佃瘽缈昏瘧鎴鑻辨枃,璋㈣阿
岛寇：绛旓細1.5.2 roadbed compactness.a bed construction process control 1 bed according to the construction of roadbed design documents and the railway roadbed design specification, the railway subgrade construction norms of the relevant provisions, in combination, formulate measures for the ...
18252998239：楂樺垎鎮祻,鑻辫楂樻墜璇峰府蹇缈昏瘧涓娈佃瘽
岛寇：绛旓細濯掍粙璁″垝锛圡edia planning锛夛細鍦ㄥ江鍩庢櫄鎶鍙犲皝闈1/2鐗堜腑杩炵画鍗婁釜鏈堟姇鏀惧钩闈㈠箍鍛娿傚湪銆婇璺戠敓娲汇嬫潅蹇椾腑锛岄噰鐢ㄨ法椤电増杩炵画鎶曟斁5鏈熴傚湪寰愬窞鐢佃鍙扮殑鐢佃棰戦亾姣忔櫄9锛00鎶曟斁30绉掔殑鐢佃骞垮憡锛屾寔缁1涓湀銆傝禐鍔╃敓娲婚閬撲腑鍏充簬璐墿娑堣垂鐨勮妭鐩傚湪鎵嬫満涔板満閲屾偓鎸俰phone鐨凱oP锛堟捣鎶ワ級锛屽湪鎵嬫満涔板満澶栧畨鏀惧法骞呮埛澶栧箍鍛...
18252998239：鑻辫楂樻墜杩涖璇峰皢涓嬮潰涓娈佃瘽缈昏瘧鎴愯嫳鏂,灏介噺鐢ㄧ畝鍗曠殑鍗曡瘝,鎬,鍦ㄧ嚎绛
岛寇：绛旓細The director of luck WangGongMei in daily work, always carry a small notepad. She often picked up a pen to inside make some records, when leisure open notebook to browse. Small notebook, WangGongMei why regard as treasure? Turn over the notebook, inside detailed records the ...
18252998239：璇鑻辫楂樻墜甯繖缈昏瘧涓嬮潰涓娈佃瘽 杩呴熼噰绾
岛寇：绛旓細difficulty getting the products to the port.2. The customs will stop industries from registering after the seventh of Feburary.So even if the products are ready, there is not enought time for us to deliver the products to you.甯屾湜鑳藉府鍒颁綘锛併愯瘧鐣屸绘柊鏄熴戠炕璇戝洟 涓轰綘鐪熻瘹瑙ｇ瓟锛
18252998239：璇楂樻墜甯繖鎶婁笅闈竴娈佃瘽缈昏瘧鎴鑻辨枃,涓嶈鍦ㄧ嚎缈昏瘧,婊℃剰鐨勮瘽浼氬姞鍒,璋...
岛寇：绛旓細Hi, Jeff,The samples you sent us are just the styles we often do and are doing with.Jeff, do you mean that we should first make 200 samples for you?Here I sent the prices of these styles to your company:The price of the first three is about 17 yuan each and prices ...
18252998239：璇鑻辫楂樻墜甯繖缈昏瘧涓涓嬩竴娈鏂囧瓧,楂樺垎,鎬!!
岛寇：绛旓細This thesis of innovation is: (1) the research content of innovation, cultivating brand of car is a systematic research, and put forward the development strategy, (2) research on purpose, from the creative development of automobile industry, to study how to build a competitive car ...
