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From a financial perspective, the interest rate adjustment is to achieve financial concessions to real entities and ease the pressure on banks' net interest margins. This is of great significance to the capital flow and resource allocation of the entire economic system.

As an important support for modern commerce, the operation and development of the e-commerce express delivery industry cannot be separated from the support of funds. Changes in bank interest rates may affect the financing costs and capital operations of e-commerce companies. Lower interest rates may prompt e-commerce companies to seek loans more actively to expand their business scale and optimize logistics facilities. However, this may also bring certain risks. If companies borrow too much and market demand fails to grow synchronously, it may lead to difficulties in capital turnover.

On the other hand, interest rate adjustments may indirectly affect consumer spending behavior. When deposit rates fall, consumers may be more inclined to spend rather than save. This may mean potential consumption growth for the e-commerce industry. Consumers may increase the frequency and amount of online shopping, thereby driving up e-commerce express delivery business.

The efficiency and service quality of the e-commerce express delivery industry will also have a certain feedback effect on the financial industry. Efficient e-commerce express delivery services can promote the rapid circulation of goods, increase the activity of commercial transactions, and thus drive the speed of capital circulation. This has a positive impact on the capital operation and risk management of financial institutions.

In short, there is a complex and subtle connection between the adjustment of the deposit interest rates of state-owned banks and joint-stock banks and the e-commerce express delivery industry. The two sides interact with each other and jointly affect the development of the economy and society. We need to pay close attention to these changes in order to better adapt to and lead future development trends.