Wow! Great for businesses looking for cash, is it not? Market Watch article excerpt: "Changing the deposit rate serves as one tool central banks can use to influence how banks spend their reserves. If banks can earn a healthy return depositing reserves at a central bank, they are likely to do so. But if they can’t, they’re likely to move their cash elsewhere. One option: Lending to households and businesses, which would benefit the broader economy. So by making the deposit rate negative, the ECB is trying dissuade these risk-averse banks from locking up their cash."