请问这道题对于学组合管理的需要掌握吗？

问题如下：

Which of the following risk management techniques is most appropriate for the second risk exposure example provided by McClelland?

选项：

Risk retention

Risk reduction

Risk transfer

解释：

A risk with the loss characteristics of high frequency of occurrence and low severity of loss, such as dental cavities, is best managed through risk reduction—for example, through proper dental hygiene. A risk with the loss characteristics of low frequency of occurrence and high severity of loss, such as an earthquake that destroys your home, is best managed through risk transfer. A risk with the loss characteristics of low frequency of occurrence and low severity of loss is best managed through risk retention, such as not purchasing an extended warranty on an infrequently used and relatively inexpensive item.

A is incorrect. A risk with the loss characteristics of low frequency of occurrence and low severity of loss would be best managed through risk retention, such as not purchasing an extended warranty on an infrequently used and relatively inexpensive item.

C is incorrect. A risk with the loss characteristics of low frequency of occurrence and high severity of loss, such as an earthquake that destroys your home, would be best managed through risk transfer.