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

Question

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。

Answer 1

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 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.

Answer 2

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.