Low interest rate refers to the phenomenon that the benchmark interest rate of domestic deposits and loans remains at a low level. Deposit and loan interest rates are divided into deposit interest rates and loan interest rates. Deposit interest rate is the ratio of interest amount to deposit amount in a certain period, and it is the standard for calculating deposit interest. The loan interest rate refers to the interest rate applicable when banks and other financial institutions issue loans and charge interest to borrowers.

When a country or region implements a low interest rate policy, it means that the financing cost of local enterprises will be reduced, which will help the operation of local enterprises. Compared with banks, low interest rate policy will reduce the interest margin of banks, while compared with economic market, low interest rate policy can promote investors to put funds into the market, thus improving the liquidity of economic market to some extent.