人民币现金收付及服务迎新规 满足多层次支付需求

Core Viewpoint - The People's Bank of China, in collaboration with other regulatory bodies, has introduced new regulations to ensure the acceptance of cash payments and to enhance the cash circulation environment in the country, effective from February 1, 2026 [1][2]. Group 1: Regulatory Framework - The new regulations aim to clarify the cash service obligations of various charging units, business entities, and financial institutions, promoting a collaborative effort to maintain a cash-friendly environment [2][3]. - 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 Requirements - Specific requirements are set for cash payment behaviors of charging units and business entities, emphasizing the need for cash acceptance in face-to-face service scenarios and maintaining reasonable change availability [3][4]. - Business entities using self-service models or operating in managed areas must clearly indicate payment methods and provide contact information for cash service inquiries [3]. Group 3: Banking Sector Responsibilities - Financial institutions are mandated to strictly adhere to cash management laws, improve cash service quality, and ensure that cash deposit and withdrawal services are available at physical branches [3][4]. - Banks should consider the needs of elderly individuals, disabled persons, and foreign visitors when setting up cash service facilities [4].