Hedge funds are in fact losing money as well: <a href="http:&#x2F;&#x2F;uk.businessinsider.com&#x2F;hedge-funds-returns-in-2015-2015-10?r=US&amp;IR=T" rel="nofollow">http:&#x2F;&#x2F;uk.businessinsider.com&#x2F;hedge-funds-returns-in-2015-20...</a><p>The negative rates are only on central bank deposits. Loans within the finance industry are usually collateralised as well; if you had $1m of collateral you&#x27;d find it a lot easier to borrow another million.