求翻译：我国目前实行的是金融分业经营体制, 根据国内金融分业经营的管理规定, 商业银行不得从事投资、证券和保险等业务, 使得国内商业银行无法开展涵盖银行、保险、证券、基金等各类别的综合业务, 只能在有限的范围内采取有限的变通为客户提供一系列的金融服务, 这就难以真正为客户提供全面的理财服务。而诸如保险、证券等方面的产品却往往是个人客户, 尤其是高端客户需求比较旺盛的。这就大大制约了私人银行业务发展的范围、空间和层次, 这是银行理财产品、服务体系没有完善的重要原因是什么意思？

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We are currently implementing a financial-industry management system, based on the domestic financial sector management, commercial banks may not engage in investment, securities and insurance business, and makes it impossible to carry out domestic commercial banks covering banking, insurance, secur

Our country implements at present is the financial minute industry management system, stipulated according to the domestic financial minute industry management management, the commercial bank does not have to be engaged in services and so on investment, negotiable securities and insurance, causes th

My currently introduced of is financial min industry operating institutional, according to domestic financial min industry operating of management provides, commercial banks shall not be engaged in investment, and securities and insurance, business, makes domestic commercial banks cannot carried out

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