For enterprises, financing is easier, loan repayments are smaller, and market liquidity is greater. Good news.

As for the stock market, as market liquidity increases, more people will transfer their deposits to the securities market. Good (bad for banks, especially small banks)

For individuals, lower deposit interest rates mean less risk-free interest rates for ordinary people, making it harder for ordinary bank deposits to withstand inflation, which is a bad thing. For individuals who have a home loan, a car loan or are planning to buy a house, they can pay less interest every month for the same amount of money. This is a good thing

In fact, every time the bank deposit reserves are raised or lowered, the deposit and loan interest rates are lower. Regulation is a means. If the economic situation is not good, it will be reduced. It encourages or forces institutions or individuals to take out money. When money flows, the economy will grow. In the same way, once overheating, improve the two attributes to reduce liquidity. Only whether the policies introduced are appropriate does not matter whether they are good or bad.