中国人民银行、国家发展改革委、金融监管总局发布《人民币现金收付及服务规定》

Core Viewpoint - The People's Bank of China, in collaboration with the National Development and Reform Commission and the Financial Regulatory Bureau, has established the "Regulations on Cash Payment and Services" to uphold the legal status of the Renminbi, prevent and rectify the refusal to accept cash, and meet the diverse payment service needs of the public [1][15]. Group 1: Regulations Overview - The regulations aim to maintain the legal status of the Renminbi and prevent the refusal of cash payments, which includes both paper currency and coins [2][16]. - The regulations apply to administrative agencies, public service units, and business entities, as well as the cash payment behaviors of the public and banking institutions [2][16]. - Payment units and business entities must respect the public's right to choose legal payment methods and cannot refuse cash unless legally mandated [3][16]. Group 2: Cash Payment Support - Payment units and business entities must support cash payments in various scenarios, including manual collection, face-to-face services, and online transactions that require in-person payment [4][17][18]. - Clear signage regarding payment methods and cash collection procedures must be displayed prominently [5][18]. - Self-service models must accommodate cash payments in special circumstances, such as network failures or equipment malfunctions [5][18]. Group 3: Banking Institution Responsibilities - Banking institutions must enhance cash service quality by providing cash deposit and withdrawal services, ensuring adequate cash availability, and optimizing the layout of cash self-service machines [12][20]. - Institutions should facilitate the exchange of large amounts of coins or small denominations and provide services tailored to the needs of elderly, disabled, and foreign individuals [20][22]. - A cash service emergency mechanism must be established to address sudden cash demands and maintain service order [20][22]. Group 4: Enforcement and Compliance - The relevant authorities must supervise compliance with cash acceptance regulations and can impose penalties for violations [24][26]. - The public can report instances of cash refusal or discriminatory practices, and the People's Bank of China will handle these complaints [24][26]. - The regulations will take effect on February 1, 2026, and will be interpreted by the People's Bank of China, the National Development and Reform Commission, and the Financial Regulatory Bureau [26][25].