英语高手请帮忙，帮我将下面一段话翻译成英文，谢绝在线翻译和工具翻译

Question

随着金融业本身发展及金融市场国际化程度的提高，混业经营的推动力正在日益强化。1999年11月4日美国《金融服务现代化法》的通过和实施，标志着世界金融分业经营时代的结束。虽然，我国在现有的法律框架下，放开了对银行中间业务创新的限制，于2003年6月出台了《商业银行服务价格管理暂行办法》，使商业银行发展中间业务的收费依据得以明确，商业银行可以借助这一契机积极进行业务创新，调整作为个人理财服务一部分的中间业务的产品结构，有效地推销银行自有或代理的金融产品和服务，从而达到在提高客户满意度和忠诚度的同时，把收费服务集中到技术含量高、附加值高的服务产品上，培育新的利润增长点。然而，在当前分业经营的金融政策和法规约束下，银行、证券、保险行业之间仍然存在着一定的壁垒。商业银行依旧只能从利率的高低和存款时间的长短为客户设计一些理财方案。从国际金融业的发展态势看，金融混业、多元化已是大势所趋，特别是在国际金融改革放松管制和中国经济金融进一步开放的情况下，分业经营将使中国本土金融机构在竞争中处于不利的地位，难以与国际大的金融控股集团有效抗衡。

Answer 1

With the development of the financial sector itself and the degree of international financial markets, the improvement of the driving force behind the operation mode is increasingly strengthened. November 4, 1999 the United States, "Financial Services Modernization Act," the adoption and implementation, marking the world's financial sub-business end of the era. Although China's existing legal framework, liberalization of the banking restrictions on the middle of business innovation, in June 2003 introduced the "price of commercial banking services Interim Measures for the Administration" to enable the development of intermediate business of commercial banks based on the charges to clear, commercial banks can make use of this opportunity to actively make innovations in business, the adjustment as part of personal financial services business in the middle of the product mix, effective marketing of bank-owned or agency of financial products and services, so as to achieve in improving customer satisfaction and loyalty degrees at the same time, to concentrate on fee-based services to high technology and high added value services and products, the development of new profit growth point. However, the separate operation in the current financial policies and regulations binding, the banking, securities, insurance industry and there are still some barriers. Commercial banks are still only available from the level of interest rates and deposits for the duration of the design of financial management program customers. From the international developments in the financial industry, the financial mix industry, diversification has become an irresistible trend, especially in the international financial reform and deregulation and the further opening up of China's economic and financial circumstances, separate operation will allow local financial institutions in competition disadvantageous position, it is difficult with the International Financial Holding Group of effective counter.