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一篇英语文章。那路英语大神能帮我翻译一下？跪求...

我国商业银行市场营销的现状与对策探讨
摘要随着我国金融体制改革步伐加快，商业银行市场面临的竞争则日益加剧，坐等客户上门的时代已经一去不复返了。然而，与西万发达国家商业银行的金融产品和市场营销相比，我国商业银行的营销理念和营销方式还存在着相当大的差距，本文总结了我国商业银行服务营销的现状和不足，提出了改善我国商业银行服务现状的发展策略。
　　关键词商业银行；市场营销；客户；服务；创新
　　
　　引言

　　随着我国加入WTO，特别是近年来金融市场供求关系变化，市场营销成为商业银行谋求发展和提高经营效益的必然选择。目前，尽管我国的商业银已对服务的重要性有了深刻的认识，近年来也不断调整自己的定位，加大了市场营销的力度，采取了一系列营销策略，取得了一些成果。然而，与发达国家商业银行市场营销相比，我国商业银行市场营销无论是系统理论方面，还是在具体实践方面，都还存在很多不足，需在借鉴西方商业银行市场营销发展经验的基础上，正确认识自身的状况和特点，制定适应新环境的市场营销策略。
　　
　　一、中国商业银行的市场营销现状
　　
　　1　市场营销认识不到位
　　目前我国的商业银已对市场营销的重要性有了深刻的认识，近年来也不断采取各种营销手段，开展各种营销活动，取得了一定的成果。但很多银行往往只将市场营销作为孤立的技巧、方法看待，而未将其看作是影响银行全部经营理念的哲学，还未完全树立“以顾客为中心”的营销观念，很多商业银行的营销人员专业知识水平有限，总是从银行的角度考虑，把推销产品放在首位。在对客户介绍相关项目服务时，一般只强调服务的益处，而没有对客户可能遇到的风险进行适当的提示和讲解。在经营策略上，虽然也借用了营销概念，但往往把营销简单地当作推销，零星使用广告、宣传、公关等方式，忽视了客户真正的需求。
　　
　　

Answer 1

The status quo of China's commercial banks marketing and Countermeasures
With the accelerated pace of China's reform of the financial system, the commercial banking market competition facing increasing time has gone to wait for customers. However, compared with the Western developed countries, commercial banks financial products and marketing, marketing concepts and marketing of commercial banks in China there is a considerable gap, this paper summarizes the status quo of China's commercial banking services marketing and deficiencies presented improve the development strategy of the status quo of China's commercial banking services.
Keywords commercial banks; marketing;; services; innovation

Introduction

With China's accession to WTO, especially in recent years, changes in the financial market supply and demand, marketing become an inevitable choice for commercial banks seeking to develop and improve operating efficiency. At present, commercial banks in China have a deep understanding of the importance of services in recent years continue to adjust their positioning, increased marketing efforts, has taken a series of marketing strategy, and achieved some results. However, compared with the marketing of commercial banks in developed countries, China's commercial banks marketing both system theory, or in the specific practice, there are still many deficiencies, the need to learn from Western commercial banks in the development of marketing experience based on recognize their own conditions and characteristics, the development of marketing strategies to adapt to the new environment.

, The marketing status quo of China's commercial banks

1 Marketing not know the place
China's commercial banks have been the importance of marketing a deep understanding of recent years continue to take a variety of marketing tools, to carry out a variety of marketing activities, and achieved certain results. However, many banks are often marketing as isolated skills, methods look, but do not affect all bank business philosophy philosophy, not yet fully establish a "customer-centric" marketing concept, many commercial banks marketing the level of staff expertise is limited, always considered from the bank's point of view, to promote their products in the first place. Related project services to customers, only emphasized the benefits of the service, without proper tips and explain possible risks to the customers. Also borrowed the concept of marketing, business strategy, marketing as marketing, sporadic use in advertising, publicity, public relations, ignoring the real needs of customers.