人民币现金收付，新规来了！

Core Viewpoint - The People's Bank of China, in collaboration with the National Development and Reform Commission and the Financial Regulatory Bureau, has established regulations to uphold the legal status of the Renminbi, prevent the refusal of cash payments, and meet the diverse payment service needs of the public, thereby creating a conducive environment for cash circulation alongside various payment methods [1] Group 1: Regulations on Cash Payment Behavior - The regulations emphasize basic requirements for cash payments, including the necessity for face-to-face services to support cash payments and maintain reasonable change availability [2] - For self-service models and locations with unified management, operators must clearly indicate payment methods and cash acceptance policies [2] - In fully online transactions, operators are required to publicly disclose payment methods in advance, respecting the public's right to information and choice [2] - When entrusting other entities for cash collection, the principal must ensure that the agent accepts cash through written agreements [2] - Operators promoting digital governance must consider the public's need for cash and cannot discriminate against cash payments [2] Group 2: Requirements for Banking Institutions - Banking institutions must comply with cash management laws and improve cash service quality to meet the needs of the public and businesses [3] - Banks with physical locations must provide cash deposit and withdrawal services [3] - Financial institutions should ensure that the number and layout of cash service points and self-service machines meet the diverse needs of different customer groups [3] - Banks must manage the return of Renminbi properly to prevent the circulation of unfit currency and mitigate various business risks [3] Group 3: Handling Cash Payment Issues - In cases of cash payment difficulties, parties should negotiate amicably with the service provider to resolve disputes and protect their rights legally [5] - If cash is refused or discriminatory measures are taken against cash payments, individuals should retain evidence and report through various channels, with the People's Bank of China coordinating timely responses [5]