The reason why the Bank of Beijing's seven-day gold rush interest rate is negative is that the gold rush market is not good. Negative interest rate is to change the usual deposit interest rate to negative value, which is sometimes applicable to the interest rate when the central bank accepts deposits from private banks. Bank deposit and central bank can get interest, but the deposit and central bank needs to pay a handling fee, which will shrink, so it is expected to encourage banks to take the initiative to relax loans to enterprises.