其成功的关键在于太平人寿根据内外部环境选择了合适的成长战略，不断培育自身独特的核心竞争能力。
The key of success lies in the choice of development strategies in line with its interior and exterior environment, and it makes every effort to create its particular core competence.
商业模式是企业运用内外部要素、资源和能力，创造价值和获取利润的逻辑与方法。
The business model is a method which can help enterprises to use internal and external factors, resources and capabilities to create value and profits.
但是由于市场存在着内外部的缺陷，中低收入阶层在居住方面往往表现为支付能力不足。
Because there exists market failure, the middle and lower income stratums usually show insufficient paying ability.
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