人民币现金收付及服务迎新规——满足公众多层次支付需求

Core Viewpoint - The People's Bank of China, in collaboration with other regulatory bodies, has issued new regulations to ensure the acceptance of cash payments, aiming to protect the legal status of the Renminbi and improve the cash circulation environment in the country [1][2]. Group 1: Regulations and Principles - The new regulations will take effect on February 1, 2026, and are designed to clarify the cash service obligations of various charging units, business entities, and financial institutions [1][2]. - The regulations are based on five fundamental principles: serving the public, problem orientation, comprehensive measures, collaborative governance, and legal punishment [2]. Group 2: Cash Payment Scenarios - The regulations specify that cash payments must be supported in scenarios where face-to-face services are provided, and reasonable change must be available [3]. - For self-service models and locations with unified management, clear signage regarding payment methods and contact information must be displayed [3]. Group 3: Banking Sector Responsibilities - Banks are required to strictly adhere to cash management laws and improve cash service quality to meet the needs of the public and businesses [3][4]. - Banks must ensure that the number and layout of cash service points and self-service machines meet the diverse needs of different customer groups [4]. Group 4: Consumer Rights and Complaints - Consumers are encouraged to retain evidence if cash is refused and to report such incidents through various channels for timely resolution [4].