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
第一段
4 The strategies for the development of Chinese commercial banks' Personal Financial Services
With the opening of the financial market and the development of financial globalization, the Personal Financial Services of our nation's financial organs shall also conform to the global current, and to provide integrated, personalized financial services for the customers is also a necessary trendy for the business enlargement of various commercial banks. Given our country's commercial banks' status quo and the existing questions aforementioned, the strategies for the development of Chinese commercial banks' Personal Financial Services shall focus on both the external environment and internal system.
第二段正在翻。。。
4.1 the improvement of the external environment
4.1.1 the modification of laws and regulations
Personal Financial Service is a integrated business whose healthy and fast development can not be realized without the cooperation and support from society and government, especially the modification of jurisprudence system. In the current stuitation, the separated operation of domestic monetary policy and the absence of laws and regulations have already blocked the space for creation of the commercial banks' business. During this development course of the commercial bank's Personal Financial Services, to modify the jurisprudence system and to establish and improve relevant laws an regulations shall be a necessary tendency.
On one hand, the modification of jurisprudence system is to regulate the social credit system, which could be explained from three levels as follow: first, from the point of government, the government and our country shall establish relevant laws and regulations, maintain the property of the micro-principals, prescribe general programme and general principles for the social credit, guide the establishment of credit system from a macro prospective and strengthen the tranparency of credit and the potency of public supervision. Second, from the industry point of view, we shall advance the binding effect of laws and regulations so as to prevent and aviod the financial risk. And at the same time, we shall also explicitly define and interpret the revelent content of the personal financial services in "Commercial Bank Law", "Trust Law", "securities Law". Third, from the viewpoint of financial organs, we shall establish the guidelines for personal credit, and advance the specified operations and management of personal credit in financial corporations.
On the other hand, the modification of laws and regulations also requires the change of the monetary policy of separated operation so as to promote our banking industry to mixed operation.
哈哈，最近速度提升很快啊，这么长一段只花了40分钟，耶~~~~~~
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