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对商业银行来说，以下哪种情况下的风险较低，担保方式相对安全？（ ）
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对商业银行来说，以下哪种情况下的风险较低，担保方式相对安全？（ ）

A 李经理将自有大额存单质押给银行，用于购买奢侈品
B 张小姐经营服装店，刷自有信用卡采购新款时装
C 农户老王向当地农业银行申请信用贷款购买鸡苗
D 刘老板经营小餐馆，他向银行抵押了自有商用房，用于装修餐馆

正确答案
A
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