【多选题】【消耗次数：1】
企业集团财务战略的制定依据要考虑内部因素和外部因素，下列因素属于外部因素的有（ ）。
①
金融环境
②
行业及产品生命周期
③
财税环境
④
业务经营环境
⑤
法律环境
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根据外部环境因素对企业生产经营活动影响的方式和程度，一般可将企业外部环境分为三大类，这三大类分别是（ ）。
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