Credit leverage refers to an important means for the state to control and guide the use of funds and adjust the operation of the national economy by adjusting interest rates and determining different loan directions, loan amounts, and loan costs according to the state of the national economy. According to the definition above, which of the following is the use of credit leverage? ['State raises mortgage interest rates.', 'Countries adjust RMB exchange rate.', 'The company issues shares to attract social funds.', 'People deposit money in the bank for interest.']