谁的英语好，能帮我翻译一段话吗？（用在线翻译的就免了，我试了，不准的）

Question

保险公司市场营销的现状1、现阶段我国的保险企业大多数还处在一种推销或者说推销营销转变的阶段,营销观念还处于萌芽状态,在这种情况下来研究保险营销及创新则应首先了解保险市场的营销现状。2、近年来,新险种开发较多,但仍不能适应保险市场需求。为在业务竞争中取得优势,保险公司不断开发新险种,尤其是寿险险种。但从市场需求来看,保险产品的创新思路狭窄,形式单一。比如在抵消通货膨胀因素的保单设计方面,难以适应保险市场的需求。与险种单一的状况相吻合,保险产品的同构现象十分严重。据有关资料分析,我国各保险险种结构的相似率达90%以上。这样一种状况不仅使各保险公司在一种低水平上重复建设,无法构造自身的优势,而且导致过度竞争,造成社会生产力和资源的浪费。3、保险营销人员整体素质不高,严重扭曲了保险营销更适用非价格竞争的原则。保险从业人员总体水平低偏,大专以上学历者只占总人数的30%～40%。许多公司在招收没有任何风险及其保险知识营销人员后,经过2个星期左右的培训,即上岗推销保险。据调查,由于一些营销人员缺乏职业道德,或缺少保险及相关知识,致使在推销保险时经常出现误导陈述、保费回扣、恶意招揽等违规、违法现象,极大地破坏了保险业的声誉。保险营销就是与保险市场有关的人类活动,现阶段我国的保险市场处于较高的垄断地位,新的营销观念尚处于萌芽状态,保险营销人员整体素质不高,极不适应保险消费市场需求,必须寻求创新。重要的思路有两条:(1)注重关系营销,留住顾客;(2)突出营销中的文化含量和品位,建立企业文化,塑立漂亮的企业形象2009年3到4月在济南天海国际货运代理公司（原济南三通）实习一个月，熟练的掌握了进出口商品所需报关报检和免税的流程。

Answer 1

on is very serious. According to concerning data analysis, China's insurance structure similarity rate amounts to 90% above. Such a situation not only make the The insurance company marketing current situation 1, the present stage our country insurance enterprise mostly in a promotion or marketing change the marketing stage, marketing concept is still in its infancy, in which case study from insurance marketing and innovation should be the first to understand the marketing status of the insurance market. 2, in recent years, the development of new types of more, but still can not meet the insurance needs of the market. Competition in the business advantage, keep on developing new types of insurance, especially life insurance. But from the point of market demand, the insurance product innovation train of thought is narrow, single form. For example, to offset inflation in the policy design, it is difficult to meet the insurance needs of the market. And insurance status of a single line, the insurance product isomorphic phenomeninsurance companies in a low-level repeat construction, the inability to construct their own advantages, but also lead to excessive competition, resulting in social productivity and waste of resources. In 3, the insurance marketing personnel overall quality is not high, serious distortion of the insurance marketing is more suitable for non price competition principle. Insurance practitioners generally low levels of partial, college education accounted for only 30% of the total number to 40%. Many companies recruit without any risk and insurance knowledge marketing personnel, after 2 weeks of training, i.e., selling insurance jobs. According to the survey, due to a number of marketing staff lack of occupation morals, or lack of insurance and related knowledge, resulting in selling insurance often misleading statement, the premium rebate, and other malicious recruiting violations, illegal phenomenon, which greatly damaged the reputation of the insurance industry. Insurance marketing is the human activity relating to insurance market, the present stage our country's insurance market is in the high monopoly position, new marketing concept is still in its infancy, the insurance marketing personnel overall quality is not high, extremely incommensurate insurance consumer market demand, we must seek for innovation. Important thought there are two ( 1): pay more attention to relationship marketing, customer retention; ( 2) outstanding marketing in the cultural content and quality, the establishment of corporate culture, plastic made beautiful corporate image in 2009 3 to April in Ji'nan ocean international freight forwarding company (the original Ji'nan three ) practice a month, master the import and export of goods required declaration and exemption process

Answer 2

这段比较多内容，建议还是找收费的翻译来翻译吧。