A为什么是缺点？

问题如下：

The loss distribution approach (LDA) models losses with respect to both frequency and severity with the goal of determining the appropriate level of capital. This method also faces several challenges. Which of the following options is not a disadvantage of LDA?

选项：

The input of LDA is historical data.

The data collection period is likely to be relatively short.

If there is a major change in the economic situation in the future, historical data may not be applicable to future situations.

It's difficult for LDA to capture the fat-tail.

解释：

A is correct.

考点：loss distribution approach (LDA) 定性

解析：BCD都是LDA方法面临的问题。只有A选项，A选项是LDA模型的优点。