提醒：家里有这两种现金的，尽快去银行兑换，避免后续麻烦

Core Insights - The proportion of non-cash payments in China reached 87.3% in 2024, an increase of 16.5 percentage points since 2020, indicating a significant shift towards digital payment methods [1] - Despite the rise in non-cash payments, cash remains a vital payment method among rural areas and the elderly, with 67.2% of individuals aged 60 and above still using cash as their primary payment tool [1] Group 1: Cash Usage and Trends - The cash usage rate in rural areas remains high at 52.8%, highlighting the ongoing reliance on cash in these regions [1] - In 2024, approximately 3% of circulating banknotes, or 3.7 billion notes, were returned due to damage, indicating a notable issue with paper currency maintenance [3] Group 2: Damaged Currency Handling - Banks received an average of 286,000 taped banknotes daily in 2024, accounting for 15.7% of total exchange transactions, reflecting a common practice among the public to repair damaged notes [5] - Starting June 1, 2025, banks will implement stricter standards for accepting taped banknotes, rejecting those with tape covering more than 30% of the note's surface area [5] - The use of tape on banknotes compromises their anti-counterfeiting features, increasing the risk of counterfeit currency circulation [5] Group 3: Severe Damage to Banknotes - Banknotes with over 25% damage or those that are illegible or severely deteriorated must be exchanged at banks, as they are no longer suitable for circulation [8] - In 2024, banks received 820 million severely damaged banknotes, totaling approximately 32.7 billion yuan, with holders facing a loss of 1.58 billion yuan due to unidentifiable notes [8] - From July 2025, banks will exchange severely damaged notes based on the percentage of damage, meaning a 100 yuan note with 45% damage will only be exchanged for 55 yuan [8] Group 4: Preventive Measures for Currency Maintenance - To prevent damage to banknotes, it is advised to avoid folding them, keep them clean, store them in dry environments, and refrain from writing or attaching foreign objects to them [10] - Individuals should refuse to accept taped or damaged banknotes to avoid complications in future transactions [10]