Question

高手帮忙翻译!!

80年代以来，西方各国强调金融自由化，银行向全能银行发展，即商业银行存贷款业务和投资银行发行、包销和承兑证券业务的结合，已经是一个世界性的趋势。包括银行证券分业最严格的美国和***，80年代以来都逐步以各种补充法规来放宽银证兼营的范围，直到最近美国通过了新的银行法案，这是对全能银行发展的全面肯定。我国的银行法则坚持银行、证券、信托、保险四业分管。当世界上的银行家正在以全能银行的模式进入改革开放的中国之时，而中国的银行却走着严格金融分工的美日模式的旧路，显然同改革开放的大趋势格格不入。在加入WTO之后，这个矛盾会变得更加突出。因为外国银行会依仗全能银行或其一系列子公司的业务优势来争夺客户，而我们的分业经营和分业管理，不但束缚了自己的手脚，也妨碍了自己去积累全能银行综合服务的经验。特别是信托业，这本来是银行与证券业的一个中间地带，业务范围很宽，西方称之为“金融百货公司”，我国银行不能兼营信托，又把信托业的机构作了很大收缩，管理上归属央行，而证券方面又对信托业作了诸多限制，比如不许介入证券的发行、经纪和承销。加入WTO，一旦国外信托公司介入中国，中国的信托业势必会面临灭顶之灾。

Answer 1

Since the 1980s, Western countries, stressing that the financial liberalization, the banks decathlon banks, that commercial banks deposit and loan business and investment banks, underwriters and acceptance of the securities business combination is a worldwide trend. Including the securities industry-the most stringent in the United States and *** Since the 1980s have gradually added to all legislation to relax the bank undertaking, Until recently the United States adopted a new banking bill, and this is the development of all-round comprehensive banking sure. China's banks adhere to rules of banking, securities, trust, insurance industry in charge of four. When the world's bankers are almighty banks to enter the mode of reform and opening up in China, China's banks are strictly financial walked division of the U.S.-Japan model of the old road Obviously with the reform and opening to the general trend of out of tune. After joining, the problem will become more prominent. WTO Because foreign banks will rely on almighty series of bank or its subsidiaries business advantages for customers, Our business - and industry-management, not only tying our own hands, It also impedes their banks to accumulate decathlon integrated service experience. Particularly trust industry, this is the banking and securities industry as a middle ground, the business scope is very wide, Western called "financial department stores," our bank is undertaking Trust, the Trust again made a big contraction agencies, ownership of the central bank's management, and securities to the trust industry also made many restrictions, such as not allowed to intervene securities to be issued Underwriters and brokers. Joined, once the foreign trust companies involved China, and China's trust industry is bound to the WTO will face extinction