不得对现金支付采取歧视性措施

Core Viewpoint - The People's Bank of China, along with the National Development and Reform Commission and the Financial Regulatory Bureau, has issued regulations to prevent and rectify the refusal to accept cash payments, ensuring diverse payment services for the public. The regulations will take effect on February 1, 2026 [1]. Group 1: Regulations Overview - The new regulations aim to clarify the cash service obligations of various charging units, operating entities, and banking institutions, guiding them to collaboratively maintain a conducive environment for cash circulation [2]. - The regulations categorize measures based on the specific behaviors of charging units, operating entities, and commercial banks regarding cash transactions [2]. Group 2: Obligations of Charging Units and Operating Entities - Charging units and operating entities must support cash payments when they provide face-to-face services or complete transactions offline, and they should maintain reasonable change availability [3]. - For self-service models or unified management areas, clear signage regarding payment methods and cash acceptance must be displayed, and prior notice of payment methods should be provided for fully online transactions [3]. - Entities that delegate cash collection must ensure that the delegate accepts cash through written agreements, and they must consider public cash usage needs in their digital initiatives [3]. Group 3: Banking Institutions' Cash Services - Banking institutions with physical locations must handle cash deposit and withdrawal services and support cash collection for charging units [4]. - Banks are required to ensure that the number and layout of cash service points and self-service machines meet the needs of different customer groups [4]. Group 4: Enforcement and Public Rights - The regulations emphasize the public's right to report instances of cash refusal or discriminatory practices, allowing them to seek legal recourse through local branches of the People's Bank of China [4]. - The central bank will publicly disclose penalties for entities refusing cash and will enforce strict penalties for high-profile offenders [4].