请帮忙翻译一下 关于 我国商业银行个人金融业务发展分析 的摘要 汉译英

1. 请帮忙翻译一下 关于 我国商业银行个人金融业务发展分析 的摘要 汉译英

With the continuing development of technology,the economy in every country has been developing in a sustained,fast and healthy way over the past hundreds of years.in china,with the development of economy,the finacing concept of residents and investment will were enhanced. the need for financial service is increasing,the personel financial service development has been of strategic meaning to the development of commercial bank. with the increasing of the residents' income and financial assets,the structure of finicail assets start to change from singleness to multielement,the financial consciousness of residents is enhacing.in the middle and later 90's ,personal financial service has slowly become a main field in the financial product and the creativity of service,and it has also become a mian link of competition among bank industry.
the commercial banks are fighting to make financial service as a main development so the personal financial service has been developing in a rapid pace.it has become one of the main resources of the banks' profit.after the reform and opening policy in china and the continuing development of socialist
marketing economy,the income of residents is increasing and family and individuals have become the main power of the investment and consumption in deveolpment of economy.
when china participated in WTO,the opening time of bank industry is within 2 years after the paticipation of WTO,it allow the foreign banks to establish the  RMB service:within 5 years,it gives the permission of the interfering from foregin banks and the opening of RMB retail business.they can have the national reatment in some paticular areas.chinese bank industry are facing the intensehe  impact from foreign banks.
over the past few years,chinese are eagering for comprehensive and high-leveled service of commercial banks with the accumulation and expansion of individual wealth.this also pushes the the development of chinese individual financial service.however,with the restaint of domestic market environment and the  level of technological development in banks,the market needs can't be fufilled by the development speed of individual financial service and the level of service.under this circumstances,it is very meanningful to explore the development of individual financial service in chinese commercial banks.this passage trys to analyse in ways of development of the domestic commercial banks and make comparision with the individual financial service of foreign banks.it points out the existing problems of the development of individual financial service in chinese commercial banks.it also uses the experience of development of individual finaicial service in foreign banks for reference and offers some developmental strategies against the development of individual financial service in chinese commercial banks.

2. 急求2篇关于商业银行个人理财业务的英文文献，5千字左右，最好带中文翻译，谢谢。345499531@qq.com

[13] Stephen A Ross, Randolph W Westerfield, Bradford D Jordan. Fundamentals of Corporate Finance. Third Edition. Chicago: Irwin,Inc.,1995
[14] George W Gallinger, Jerry B Poe. Essentials of Finance. New Jersey: Prentice Hall, Inc.,1995
[15] Uibrich,  Holley   H,  International  Trade  andfinance,  New  Jersey:   Prentice-Hall, Inc.1983.

3. 请个专业的高手帮忙翻译一下这个文章，中文翻译成英文，是银行储蓄类的。多谢！

1.所有存折余额总和最少要有5万以上，至少一本是活期；
1 The total (amount of) balance in all bankbooks shall not be less than RMBY50000, and at least one of the bankbooks shall be for current account.
2．所提供的存折必须是一年以前开户并经常使用（要有送签当月的记录），一年内换折请提供旧存折原件或请银行打印换折前存取记录并盖章确认。
2 Bankbooks provided have to be for accounts opened a year ago and in frequent use (records for the month in which application for visa is lodged must me attached); previous bankbooks shall be provided if bankbooks are replaced within one year, or require your bank to print transaction records made before replacement with confirming stamp of the bank.
3．本人名下的活期或存折定期/国债券（包括工资卡及各类银行卡、信用卡的对账单原件
加盖银行公章,且有户名）。
3 All current or regular bankbooks / bond under your name (including wages card and various bank cards, originals of credit card bills affixed with bank stamp and account name).
4．如果本人名下资产不够5万，可用配偶的资产补上，提供结婚证复印件。（不可全用配偶资产，个人名下至少2万）
4 If the assets under your name are less than RMBY50000, the assets of your spouse may be added, a copy of the marriage certificate shall be provided. (But you cannot use the assets of your spouse only, the assets under your name shall not be less than RMBY20000)
6．年龄已满十八岁的申请人，如没有自己名下的资产，与父母同行可使用父母的资产作为申请签证的资料，但必须向领馆提供出生公证/可以体现子女与父母关系的全家户口本复印件/写有父母及子女名字的出生证复印件（三选一）。
6 If an applicant of eighteen years of age and above has no assets under his/her name, parents’ assets can be used for visa application purpose. In this case, one of the three documents must be provided to the Consulate: a birth notarization / a copy of the Household Register which indicates the relationship between the child and the parents / a copy of birth certificate with name of parents and the child.
7．年满十八岁且已工作的不可用父母资产作为申请签证的材料。
7 Applicant of eighteen years of age and above who has a job cannot use his/her parents assets for visa application purpose.