求翻译：国外发展私人银行的经验并在这些研究的基础上提出了我国现阶段发展私人银行的对策及建议。具有一定的新颖性与实践价值具有一定的实用意义。是什么意思？

The overseas development of private banking the experience  on the basis of these studies put forward countermeasures and suggestions of our current stage of development of private banking. Has a certain novelty and practical value  has some practical significance.

Development of the private bank and  experience in these studies on the basis of my current stage of development of the private bank response and suggestions. With a certain degree of novelty and the practice value  has a certain amount of practical significance.

The overseas development personal bank experience  and proposed Our country Present stage Development Personal Bank countermeasure and the suggestion in these research foundation.Has certain originality and the practice value  has certain practical significance.

Foreign experience of developing private banking and in the present stage of development of the country on the basis of these studies countermeasures and suggestions of private banks. With a certain degree of novelty and practical value of some practical importance.

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