求翻译：目前，我国商业银行开展的个人理财业务主要包括消费贷款、储蓄理财、委托咨询三大种类，信托贷款类产品成为银行业个人理财市场的主导。就实际而言，其开展的个人理财业务重点依旧还是储蓄理财、消费贷款两种。显而易见，这与我们对个人财务策划的界定是有一定的距离的。我国银行个人理财业务对于银行利润的贡献率就在逐年增加，据统计，工商银行，中国银行，交通银行和招商银行，2007年手续费及佣金收入在营业收入中的占比超过了10%，与2006年相比，这4家银行手续费和佣金收入在营业收入中占比均增长了4.5%~5.6%，其次的是民生银行、中信银行和兴业银行，比2006年占比增长了大约2%~3%。是什么意思？

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At present, China's commercial banks to develop a personal financial services including major consumer loans, savings, money management advisory 3 large trust loan types, such as personal financial banking market. In practical terms, the conduct of its business focus on personal financial management

At present, Our country Commercial bank develops manages finances the service mainly to include the expense loan, the deposit personally manages finances, the request consults three big types, the trust loan class product becomes the banking industry to manage finances personally the market leadersh

At present, China's commercial bank developing personal finance and financial services including consumer loan, savings, delegate Advisory three types of trust lending products become banking personal financial market-led. In practical terms, its personal finance business still focus on saving money

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