问题如下：
Techniques for managing a risk include risk avoidance, risk reduction, risk transfer, and risk retention. For the risk of high severity and high frequency, the most appropriate choice among these techniques is:
选项：
A. risk avoidance
B. risk retention
C. risk transfer
解释：
A is correct.
考点: Risk Management Approach
解析: 对于高频高损的风险，我们采用风险避免，A选项正确。B选项risk retention 适用于低频、低损的情形；C选项risk transfer适用于低频、高损的情形。
这是。。。基础班讲过的考点吗。。。现在刷FI恰巧刷了一下以前的题。。。难道是我失忆了。。。这个risk management要知道吗。。。我怎么就记得讲了insurance和annuity啊噗哈哈哈
