[单选题]基于（ ）的风险管理策略要求商业银行的信贷业务不应集中于同一业务、同一性质甚至同一个借款人，应是全面的。
A.风险对冲
B.风险转移
C.风险分散
D.风险补偿

Children in any society are expected to learn to conform to a number of social rules and expectations if they are to become participants in the culture. (46)Among the rules that children in our society are expected to learn are that certain classes of adults (such as teachers and doctors) are addressed by titles, that males and females use separate restroom facilities, and that women but not men wear dresses. These are examples of social conventions. In the absence of such a shared norm, the acts are neither right nor wrong. For this reason, conventions may be said to be arbitrary. For example, (47)we could just as easily have students address teachers by first names as have them call teachers by their last names and formal titles of Mr. or Ms.
Conventions, however, serve an important function by providing predictability and order to social life. (48)Without social conventions it would be impossible to organize social institutions such as schools, and soc