Question

能帮我翻译下吗，谢谢了请不要机译谢谢了啊，

由于改革开放，我国的金融业也逐渐与国际接轨，宏观金融环境和税收政策为银行保险的发展提供了有利条件，银行保险在我国逐渐发展起来。银行保险是保险产品的重要销售渠道，通过银行和保险公司合作，有利于银行开辟新的收入来源，有利于推动保险公司保费收入的增长。宏观方面银行保险与政府的经济目标和社会发展目标相符，有经济补偿、资金融通、社会管理等功能，客观上还具有鼓励消费和稳定社会的双重功能。
但是目前我国银行保险处于初级阶段，与西方发达国家还是有很大的差距，在探索与借鉴国外经验中发展，存在一些客观现实问题，如还未突破现有的简单销售代理模式，银行和保险公司之间没有深入合作，银行保险产品单一，研发多样化产品的能力有待提升，银行销售保险产品的员工管理不规范，导致员工的素质水平较低，尤其是有关银行保险的法律法规不完善，不能为银行保险健康发展提供保障。
本文通过分析当前我国银行保险发展中的现状和存在问题，针对这些问题提出解决方案，如完善国家相关的法律法规，促进银行和保险公司的深度合作，加快银行保险产品的创新等。分析国际主要发达国家的银行保险发展历程及现状、借鉴国际发达国家的经验，为银行和保险业合作提供建议。进而促进我国银行保险的健康可持续发展。

Answer 1

Thanks to the reform and opening up, China's financial industry is keeping up with international community, macro financial environment and taxation policy are offering preferable advantages for bank insurance which is developing in China little by little. Bank insurance is an important marketing channel for insurance category, cooperation between bank and insurance company is benefitial to the bank to open up new ways for income, which is also helpful in income increase for the insurance company. From the view of macroscopic, bank insurance has the same economic and social development target with the government, it possesses economic compensation, capital raising, social management and other functions; and objectively speaking, bank insurance also owns a double edge to encourage consumption and stablize the society.
However, bank insurance in China is still in the start-up stage, there is still a long way ahead to catch up with western countries. Some objective and realistic development problems exist while exploring and absorbing foreign countries experiences, for example, bank insurance still develops under the pattern of simple sales surrogate, no further cooperation between bank and insurance company, single bank insurance product, product diversity needs improvement, non-standard personnel management, low level of staff quality, especially the rules and regulations of bank insurance is not completed, no guarantee could be given to its healthy development.
This paper analyses the current situation and existing problems during bank insurance development in China, puts forward solutions for these issues, such as completing related rules and regulations, promoting further cooperation with insurance company, accelerating product innovation and so on. The paper also analyses the history and current situation of the bank insurance in some major developed countries and offers suggestions for cooperation, based on those countries ' experiences, so as to boost the healthy and sustainable development of China's bank insurance.
纯手工翻译啊。 不索要一分一毛（这才是重点！！！）