Negative interest rate has been a hot discussion topic proposed by Economists. In general, is it a suitable plan to use to increase household's and firm's borrowing from banks? What are the advantages and disadvantages of imposing it into a country? Who benefits from it who doesn't?

Interesting articles (vary perspectives from different countries):
England -
https://www.bbc.com/news/business-54314971
Canada -
https://www.rcinet.ca/en/2020/10/09/bank-of-canada-negative-interest-rate-in-the-toolkit/