“…From the comparison of the transmission mechanism of monetary policy through traditional banks and big technology credit institutions, the information advantage and risk management mode of technology giant lenders mainly strengthen the transmission of mone- tary policy through large interest rate spreads, and the financial channels that obtain credit from technology giant lenders are more significant in coping with monetary policy than traditional banks. This shows that monetary policy should consider the amplification mechanism of fintech loans in the financial market, especially the technology giant lenders (Huang et al, 2022).…”