随着我国加入WTO,保险业的全面开放,我国保险集团之间的竞争已经从国内竞争扩展到国际竞争。目前我国保险集团面临着复杂多变的国际国内环境和潜在的多重风险,使我国保险集团必须根据集团竞争需要制定集团的整体发展战略目标,并根据自身所处生命周 With China’s accession to the WTO and the insurance industry being fully liberalized, the competition among insurance groups in our country has expanded from domestic competition to international competition. At present, China’s insurance group is faced with a complex and ever-changing international and domestic environment and potential multiple risks. Therefore, our insurance group must formulate the overall development strategy of the group according to the competition needs of the group,