A.實(shí)質(zhì)風(fēng)險(xiǎn)因素、道德風(fēng)險(xiǎn)因素 B.實(shí)質(zhì)風(fēng)險(xiǎn)因素、心理風(fēng)險(xiǎn)因素 C.實(shí)質(zhì)風(fēng)險(xiǎn)因素、無(wú)形風(fēng)險(xiǎn)因素 D.無(wú)形風(fēng)險(xiǎn)因素、人為風(fēng)險(xiǎn)因素