The original intention of the low-interest rate policy was to stimulate Americans to consume quickly to compensate for the shrinking demand caused by the crisis. However, after years of depreciation of savings assets, I believe that the marginal effect of the stimulus effect of low-interest rates has been reduced to almost nothing. In the beginning, another purpose of opening low-interest rates was to provide free funds to financially tight financial institutions and help the financial industry replenish capital. With zero interest rate loans, banks can invest in government bonds to obtain stable and risk-free Returns. But because of this, banks have lost their business and motivation to co-exist with the risks and benefits of providing credit to enterprises, and have not been able to help SMEs create jobs. What is this text about? ['Implying that low interest rate policies must be adjusted.', 'Analysis of the disadvantages of implementing a low interest rate policy.', 'Emphasize that banks should be encouraged to develop corporate credit business.', 'Explain that the role of low interest rate policies in stimulating consumption is limited.']