明年施行！关于人民币现金收付及服务，央行等三部门发文

Core Viewpoint - The People's Bank of China has announced new regulations to protect the legal status of the Renminbi and prevent the refusal of cash payments, effective from February 1, 2026, aiming to create a diverse payment environment that supports cash circulation [1]. Group 1: Regulations and Compliance - The new regulations clarify the cash service obligations of various entities, including charging units and financial institutions, to ensure the public's right to choose legal payment methods is respected [4]. - Charging units and businesses are prohibited from refusing cash payments, inducing others to refuse cash, or implementing discriminatory measures against cash payments [4][5]. Group 2: Cash Payment Requirements - The regulations outline five basic requirements for ensuring cash payments, including the necessity for face-to-face services to support cash payments and maintaining reasonable change availability [5]. - In self-service models, businesses must clearly indicate payment methods and provide contact information for cash services [5][6]. Group 3: Financial Institutions' Responsibilities - Financial institutions are required to enhance cash service quality and comply with relevant cash management laws to meet the needs of the public and businesses [9]. - Banks must ensure that cash deposit and withdrawal services are available at physical branches and that the number and layout of cash service points meet diverse customer needs [10][11]. Group 4: Public Engagement and Rights - The public is encouraged to maintain the integrity of the Renminbi and to resolve disputes amicably with charging units when facing cash payment issues [12]. - In cases of cash refusal or discrimination, the public should retain evidence and report through appropriate channels for timely resolution by the People's Bank of China [12].