Read the two articles below, which present contrasting views:

https://www.bloomberg.com/quicktake/negative-interest-rates

https://blogs.imf.org/2021/03/03/the-evidence-is-in-on-negative-interest-rate-policies/

1. How would negative interest rates affect borrowers?

2. How would negative interest rates affect savers?

3. According to the Bloomberg article, how would negative interest rates affect banks' profits?

4. According to the IMF Blog, what are the effects of negative interest rates?

5. Which of the two articles support that there is a liquidity trap?