求翻译：中资银行目前在私人银行业务方面仅可从事以商业银行为主的金融服务，自主的产品设计与开发亦集中于其固有领域——货币市场和债券市场。整体上的金融产品和服务仍然围绕传统的储蓄、信贷和中间业务，辅之以代理销售为实质内容的公募基金、信托集合理财、阳光私募和PE产品等，产品主动管理能力与创新能力不足。私人银行平台“借重”信托、私募、PE等机构也产生了一系列弊端：一是银行作为直接面对客户的机构，其固有的严谨风险管理文化将与合作方之间产生不同程度的沟通障碍，影响产品管理流程的衔接；是什么意思？

正在翻译，请等待...

Banks are in private banking is only available to commercial banks engaged in the independent of the financial services, product design and development has also focused on its inherent areas - money market and bond market. On the whole of the financial products and services are still focused on trad

The capital bank only may be engaged in at present in the personal bank service aspect by the commercial bank primarily finance service, the independent product design and the development also concentrates in its proper area - - money market and the bond market.In the whole financial product and the

Chinese banks in the private banking business can only be engaged in financial services dominated by commercial banks, independent of product design and development has focused on the inherent areas--money market and bond market. Financial products and services as a whole still revolves around the t

正在翻译，请等待...