第3部份：投資資產

正確答案 / Correct Answer: B

• 貨幣市場工具是短期債務工具，到期日通常不超過一年。
• 存款證（CD）是由銀行發行的短期存款憑證，屬於貨幣市場工具。
• 其他選項屬於資本市場工具（股票、長期債券、房地產）。

• Money market instruments are short-term debt instruments, typically with maturity of less than one year.
• A Certificate of Deposit (CD) is a short-term deposit instrument issued by banks and is a money market instrument.
• The other options are capital market instruments (equities, long-term bonds, real estate).

正確答案 / Correct Answer: C

• 票面利率（Coupon Rate）是債券發行時設定的固定年息率，按債券面值計算。
• 例如：面值 $1,000、票面利率 5% 的債券，每年支付 $50 利息。
• 票面利率與市場利率不同，市場利率的變動會影響債券的市場價格。

• The coupon rate is the fixed annual interest rate set at bond issuance, calculated based on the bond's face value.
• For example, a bond with face value $1,000 and coupon rate 5% pays $50 interest per year.
• The coupon rate differs from market interest rates; changes in market rates affect the bond's market price.