哪位英语高手能帮忙翻译一下这段话，谢谢(大大的奖赏）：

我国商业保险发展起步比较晚，保险市场的发展还处在初级阶段，大多数保
险企业还处在一种推销或者推销向营销转变的阶段。营销观念滞后、营销手段不规范、服务不到位等在一定程度上成为制约我国保险业发展的瓶颈，而保险营销机制作为保险企业在竞争中制胜的重要环节，如何建立适应我国国情的保险营销机制，如何进行营销机制的创新，已经成为激发我国潜在保险需求，促进保险业的健康发展的重要课题

我国商业保险发展起步比较晚，保险市场的发展还处在初级阶段，大多数保险企业还处在一种推销或者推销向营销转变的阶段。营销观念滞后、营销手段不规范、服务不到位等在一定程度上成为制约我国保险业发展的瓶颈，而保险营销机制作为保险企业在竞争中制胜的重要环节，如何建立适应我国国情的保险营销机制，如何进行营销机制的创新，已经成为激发我国潜在保险需求，促进保险业的健康发展的重要课题.

Commercial insurance has started rather late in China. Its market is still in the initial dynamic development phase and most of the insurance enterprises are still undergoing a selling process or a transition from the sales to marketing cycle. The marketing concepts that have lagged behind those in Western countries, non-standard marketing approaches and unsatisfactory services have all, to a certain exent, become major bottlenecks in the development of China’s commercial insurance industry. The mechanism for marketing insurance products, however, has become more and more important as a key step in the efforts of insurance enterprises to winning customers and market share. The issues of how to set up mechanisms for marketing insurance products corresponding to the patterns in our domestic situation and conduct innovation in these mechanisms have become important issues for promoting the potential demand for commercial insurance products in China and promoting the healthy development of China’s commercial insurance industry.