【多选题】【消耗次数：1】
风险因素是对风险事故的发生与否或损失大小有影响的各种条件或因素，其主要类型有（ ）。
①
A．投机风险因素
②
B．实质风险因素
③
C．道德风险因素
④
D．心理风险因素
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系统性风险主要是由企业外部因素变动所带来的风险，这些因素有( )。
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