让现金支付不再“碰壁” 央行等三部门发布新规为你“撑腰”

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has established the "Regulations on Cash Payment and Service of Renminbi" to enhance the cash payment environment amidst the growing trend of digital payments, ensuring that cash remains a viable payment option for all demographics [1][2]. Group 1: Principles of the Regulations - The regulations adhere to five fundamental principles: prioritizing financial services for the public, addressing emerging issues in cash transactions, implementing comprehensive measures, promoting collaborative governance, and enforcing legal penalties against entities that refuse cash payments [2]. Group 2: Requirements for Payment Scenarios - The regulations specify that cash payments must be supported in scenarios involving face-to-face services and transactions that can be completed in person, while also mandating clear signage regarding payment methods in self-service environments [3][4]. - Entities that conduct all transactions online must publicly disclose their payment methods in advance, respecting the public's right to know and choose [3]. Group 3: Banking Sector Obligations - Banks are required to facilitate cash deposit and withdrawal services, ensuring that their branches and ATMs are accessible to meet diverse customer needs, while also managing cash flow to prevent the circulation of unfit currency [5]. - In cases of cash payment refusal, the public is encouraged to negotiate with the service provider and report any discriminatory practices through official channels, with the central bank and relevant authorities committed to addressing such complaints [5].