持续整治拒收现金 三部门携手保障公众支付方式选择权

Core Viewpoint - The People's Bank of China, in collaboration with the National Development and Reform Commission and the Financial Regulatory Administration, has issued the "Regulations on Cash Payment and Service" to prevent and address the refusal to accept cash, ensuring diverse payment options for the public [1][2]. Group 1: Regulations Overview - The "Regulations" consist of 19 articles and will take effect on February 1, 2026 [3]. - It establishes basic requirements for cash payments based on classification management and universal applicability, including the obligation to support cash payments in various service scenarios [3]. - Specific provisions include maintaining cash payment options in face-to-face services, ensuring clear signage of payment methods in self-service environments, and requiring advance notice of payment methods in fully online transactions [3]. Group 2: Banking Sector Responsibilities - Banks with physical locations must provide cash deposit and withdrawal services and ensure adequate cash service quality to meet public and business needs [4]. - Financial institutions are required to manage cash circulation properly and prevent the circulation of unfit currency [4]. - Banks acting as payment agents must support cash collection and ensure compliance with cash service obligations [4]. Group 3: Public Awareness and Complaint Mechanism - The public is encouraged to maintain the integrity of the Renminbi and its status as legal tender, and to resolve payment issues amicably with service providers [5]. - In cases of cash refusal or discriminatory practices, individuals should retain evidence and report through various channels, with the People's Bank of China and relevant departments committed to addressing complaints promptly [6].