求翻译：目前我国各家商业银行都以个人理财业务的开展作为争夺优质客户的重要手段，市场竞争日趋激烈。但是，由于受政策、法律、技术、人才等的限制，我国商业银行所推出的理财服务还不能有效的为客户提供真正的增值理财服务。如何将个人理财业务从低水平的同质产品竞争，转向金融创新能力的竞争，成为制胜的关键。尽管我国个人理财业务在国内还处于萌芽阶段,但发展前景十分广阔。各家商业银行已普遍认识到了开展个人理财业务的重要性。通过对客户的了解,不断丰富客户理财需求,提升服务质量,银行理财将进入崭新阶段,是个人理财业务步入佳境。本人就国内个人理财业务发展的现状及我国商业银行个人理财业务发展中存在的问题进行简要介绍与分析 ，并在此基础上对我国商业银行个人理财业务发展提出对策和建议。是什么意思？

In China, to personal financial business of commercial banks as an important means of competing for customers, increasing competition in the market. However, due to the policy, legal, technical, personnel and other constraints, effective financial services introduced by the commercial bank of China also provides real added value for customers of financial services. How personal financing business from low homogeneity of product competition, turned to financial innovation competition, become critical to success. Despite the personal financing business in the country is still in its infancy stage, but the prospects are very broad. All commercial banks have been generally aware of the importance of developing personal financing business. Through the understanding of the customers continuing to enrich customer financing needs, improve service quality, the Bank financing will enter a new stage, is the personal finance into the comfortable. I personal financial situation and the development of domestic commercial bank personal financing business overview and analysis of the problems in the development, on the basis of the commercial bank personal financing business development strategies and recommendations.