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First of all, the operation of e-commerce express delivery is inseparable from the payment link. Efficient and secure payment methods are the key to ensuring the smooth progress of e-commerce transactions. The implementation rules of the central bank have carried out stricter supervision and management of non-bank payment institutions and standardized payment business rules, which directly affects the efficiency and security of capital circulation in the field of e-commerce express delivery.

On the one hand, more standardized payment management can help reduce payment risks and reduce fraud in e-commerce express delivery transactions. Strict supervision mechanisms can ensure the compliance of payment institutions and protect the financial security of consumers and merchants. For e-commerce express delivery companies, reducing transaction disputes and losses caused by payment problems can improve the stability and credibility of their operations.

On the other hand, the payment business rules in the detailed rules may lead to certain adjustments and optimizations in the payment process. This may cause e-commerce express delivery companies to re-adapt to new payment interfaces and processes when cooperating with payment institutions. For some small e-commerce express delivery companies, they may need to invest more manpower and material resources for system docking and training, which increases operating costs.

At the same time, the supervision and management measures of the central bank will also help improve the service quality of payment institutions. Better payment services can enhance consumers' shopping experience in e-commerce express delivery and promote the further development of the e-commerce express delivery industry. For example, faster payment confirmation speed and more convenient refund process can make consumers feel more efficient service during the purchase and return process, thereby increasing satisfaction and loyalty to e-commerce express delivery.

However, from another perspective, strict supervision may lead to business adjustments or contractions of some payment institutions, thus affecting the payment options of e-commerce and express delivery companies. In the market competition, some payment institutions may withdraw or transform due to failure to meet the requirements of the rules, which may cause e-commerce and express delivery companies to face certain restrictions when choosing payment partners.

For the whole society, the payment rules of the central bank will help build a healthier and more stable financial payment environment. This is of great significance to the sustainable development of the e-commerce express delivery industry. A stable financial environment can attract more investment and innovation, and promote the e-commerce express delivery industry to continuously improve service quality and expand market space.

In short, the "Implementation Rules of the Regulations on the Supervision and Administration of Non-Bank Payment Institutions" issued by the central bank are closely related to the e-commerce and express delivery industry. E-commerce and express delivery companies should actively adapt to this policy change, strengthen cooperation and communication with payment institutions, optimize payment processes, and improve service levels to achieve their own sustainable development. At the same time, regulatory authorities should also take into full consideration the actual needs of industries such as e-commerce and express delivery while strengthening supervision, and promote the coordinated development of finance and the real economy.