求翻译：最后是基金托管人缺乏独立性。在现行法规以及基金契约中, 尽管基金托管人负有监督基金管理人的投资运作之职责, 但这种监督的实效因以下几种因素而大打折扣, 其一是基金管理人通常是基金的发起人,因而有权决定基金托管人的选聘, 并且经中国证监会和中国人民银行批准后, 还有权撤换基金托管人, 基金管理人往往决定着基金托管人的去留。其二是基金托管业务目前已成为商业银行一项新的表外业务和利润增长点, 市场竞争日趋激烈, 托管人为抢占市场份额, 在利益驱动下, 有可能纵容、迁就基金管理人的违法违规行为, 影响其监督效果。是什么意思？

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Finally is the fund trustee lacks the independence.In present laws and regulations as well as fund contract, although the fund trustee has the surveillance fund supervisor's responsibility of investment operation, but but this kind of inspector general's actual effect sells at a discount greatly bec

Lack of independence in last is the custodian of the Fund. In existing regulations and Fund contract in the, despite Fund managed people has supervision fund management people of investment operation of duties, but this supervision of effectiveness due to following several factors and large discount

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