English Chinese translation sample-personal banking

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

III. Personal Banking
ICBC owns the largest personal banking customer base in China, with its main business maintaining a leading role. According to the People's Bank's statistics, by the end of 2006, ICBC's personal loan and deposit balance ranked No. 1 among all the commercial banks in China, respectively taking a market share of 15.0% and 19.7%.

　　三、个人银行业务
　　中国工商银行拥有中国最大的个人银行客户基础，主要业务在国内保持领先地位。根据人民银行的数据，截至2006年末，个人贷款和存款余额均列中国商业银行之首，市场份额分别为15.0%和19.7%。

By the end of 2006, the balance of personal savings deposit was RMB 3.314350 trillion, with an increase of RMB 208.052 billion, or by 6.7%. With the development of personal financing service and the activity of the capital market, personal savings deposit tended to grow more slowly. ICBC implemented “The Standardized Personal Credit Marketing Project”, introduced such new products as direct personal house loan, proposed ten measures in upgrading personal credit service and developed steadily personal business loan -- all these facilitated new increase in personal loans. By the end of the year, the domestic personal loans balance reached RMB 576.109 billion, with an increase of RMB 61.067 billion, or by 11.9%.

　　年末，个人存款余额33,143.50亿元，增加2,080.52亿元，增长6.7%。由于个人理财业务发展和资本市场活跃对存款的分流，个人存款增幅趋缓。全面实施“个人信贷业务营销标准化工程”；推出直贷式个人住房贷款等新产品；推出提升个人信贷业务服务十项措施；积极稳健发展个人经营贷款，成为个人贷款业务新的增长点。截至年末，境内个人贷款余额5,761.09亿元，增加610.67亿元,增长11.9%。

Motivated by personal financing service, personal intermediary service increased rapidly in 2006 and achieved a net service charge and commission income of RMB 9.489 billion, a y-on-y increase of 58.3%. The personal financing products issued in Chinese and foreign currencies in 2006 totaled RMB 75.49 billion, and increased 2.98 times, which enabled ICBC to become the first Chinese commercial bank officially providing Chinese residents with financial agent services abroad. The personal financing products sold by ICBC in the year amounted to RMB 320.7 billion, an increase of 98.3%，covering the issuing and dealing of government bond and Open-ended Funds, and bank insurance agent service. As the biggest distributing bank, ICBC's sales of Certificate T-Bond took 31.2% of the market volume，its trial sales of Deposit (e-form) T-Bond took 42.18% of the market volume，and its sales of Open-ended Funds reached the total amount of RMB197.3 billion, an increase of 2.8 times. ICBC initiated in the domestic market the “Defined Fund Investment Plan” and the first foreign currency fund, achieved a centralized bank-insurance cooperation system, and completed an annual sales record of premium for bank insurance products of RMB 45.9 billion, an increase of 46%. Elite Club Account service had an overall upgrade, and by the end of the year, there were 2.36 million clients with the account, an increase of 25.5%. Among the customer managers there were 2,078 financial specialists and this is a leading figure in the trade. ICBC has improved the remittance services, and launched new functions such as roaming remittance and foreign currency remittance. It achieved in 2006 a personal settlement volume of RMB 8.52 trillion, an increase of 19.3%.

　　2006年在个人理财业务的带动下，个人中间业务快速增长，实现个人净手续费及佣金收入94.89亿元，比上年增长58.3%。2006年发行各类本外币个人理财产品合计754.9亿元，增长2.98倍，成为首家正式向境内居民推出代客境外理财服务的中国商业银行；全年共计代理销售个人理财类产品3,207亿元，增长98.3%，主要包括代理政府债券和开放式基金产品的发行与交易以及银行保险代理业务。代理销售凭证式国债市场占比31.2%，为最大分销行，试点代理发售储蓄（电子式）国债市场占比42.18%；代理销售开放式基金总量1,973亿元，增长2.8倍，并在国内率先推出“基金定投”业务和首只外币基金；在国内率先实现集中式银保合作模式，全年代销的银行保险产品保费总计459亿元，增长46%。理财金账户服务全面升级，截至年末，拥有理财金账户客户236万户，增长25.5%；客户经理中拥有2,078名金融理财师，居国内同业领先地位。改进汇款业务功能，推出漫游汇款、异地外币汇款等新功能，2006年实现个人结算业务量8.52万亿元，增长19.3%。

In 2006, ICBC's bank card consumption amount and cross-trade transaction volume remained first among the banks. It issued 188.63 million cards, an increase of 29.9%, with an annual consumption amount of RMB370 billion, an increase of 53.5%. Among the cards issued 10.47 million were credit cards, with an annual consumption amount of RMB 105 billion, thus ICBC was the largest credit card issuing bank in China, with its total bank card intermediary service income of RMB3.228 billion, an increase of 37.6%. It launched sequentially the 2006 World Cup Theme Card, The Euro Credit Card, the ICBC Corporate American Express Card, the Peony UnionPay Card, and other new products, ranking itself among the banks issuing the most comprehensive credit card brands.

　　2006年，银行卡消费额、跨行交易量同业占比继续保持市场第一。年发卡量18,863万张，增长29.9%；年消费额3,700亿元，增长53.5%。其中，信用卡发卡量1,047万张，年消费额1,050亿元，为国内最大的信用卡发卡行。全年实现银行卡中间业务收入32.28亿元，增长37.6%。相继推出2006世界杯主题卡、欧元信用卡、牡丹运通商务卡、牡丹银联卡等新产品，成为国内信用卡品牌最齐全的发卡行之一。