央行等三部门发布新规！

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has established the "Regulations on Cash Payment and Service" to enhance the cash circulation environment amidst the growing trend of digital payments, ensuring that cash remains a viable payment option for all demographics [1][2]. Group 1: Regulations Overview - The new regulations aim to clarify the cash service obligations of various charging units, business entities, and banking institutions, promoting a collaborative effort to maintain a cash-friendly environment [1][2]. - The regulations emphasize the importance of cash as a fundamental payment tool that supports the real economy and financial stability [1]. Group 2: Principles of the Regulations - The regulations are based on five fundamental principles: financial service for the public, problem-oriented approach, comprehensive measures, collaborative governance, and legal accountability [2]. - The principle of financial service for the public focuses on respecting consumer payment choices and meeting diverse payment needs while encouraging the development of various payment methods [2]. Group 3: Payment Scenarios - The regulations specify that cash payments must be supported in scenarios involving face-to-face services and transactions that can be completed in person, ensuring reasonable cash availability [3]. - For automated services and locations with unified management, businesses must clearly indicate accepted payment methods and provide contact information for cash-related inquiries [3]. Group 4: Banking Sector Requirements - Banking institutions are required to facilitate cash deposit and withdrawal services, ensuring that their network and self-service machines cater to the needs of different customer groups [5]. - Banks must also manage cash collection effectively to prevent the circulation of unfit currency and mitigate various business risks [5].