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保险市场竞争是保险企业综合实力的竞争，归根结蒂，最根本的还是人才资源的竞争。只有形成人才资源优势，才能够在市场竞争中立于不败之地。所谓人才资源是指具有“德（品德）、识（见识）、才（才能）、学（知识）。体（体质）”等五大要素的人才通称，是生产、经济活动中最
Insurance market competition is the overall competitiveness of insurance companies, in the final analysis, the most fundamental is the competition for human resources. Only by forming the advantages of human resources can we be invincible in market competition. The so-called human resources refers to the “moral (moral), knowledge (knowledge), talent (ability), learning (knowledge) body (physique)” and other five elements of talent known, is the production and economic activities of the most