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The risk concept and the risk diversification theories are facing new approaches and suffer significant changes by accepting the influence of subjective elements and random phenomena. The paper is screening the most important risk diversification theories and model ad the attitude toward the risk. The selection catches the evolutions of the concepts, approach and attitudes, but also various examples of the risk theory materialization. The case study of the Romanian SMEs managers is a qualitative analysis of their knowledge and perception toward risk in the managed companies and own lives....