5角纸币的拒收困局

Core Viewpoint - The increasing rejection of 50-cent banknotes by merchants highlights a significant issue regarding cash payment rights and consumer protection in the context of growing mobile payment adoption [1][3][4] Group 1: Merchant Behavior - A survey of 15 merchants revealed that only 5 were willing to accept 50-cent banknotes, while 10 either outright refused or provided excuses such as "not in circulation" or "no one wants it" [3][4] - Many merchants, particularly individual business owners, lack awareness of regulations prohibiting the refusal of cash payments, leading to widespread rejection of small denomination banknotes [4][5] - The perception that small denomination banknotes are no longer valuable or in circulation is prevalent among merchants, which conflicts with their legal obligation to accept them [4][5] Group 2: Consumer Impact - The refusal to accept 50-cent banknotes disproportionately affects vulnerable groups, such as the elderly and rural residents, who rely on cash for transactions [5][6] - Consumers report accumulating 50-cent banknotes but facing difficulties spending them, as many merchants claim they are not accepted [4][5] Group 3: Regulatory Response - The People's Bank of China, along with other regulatory bodies, has issued new regulations to ensure cash payment rights, which will take effect on February 1, 2026 [9][10] - The regulations mandate that businesses maintain adequate cash reserves and cannot refuse cash payments, emphasizing the legal status of cash as a medium of exchange [9][10] - Regulatory measures will include penalties for businesses that refuse cash and initiatives to improve public awareness of cash payment rights [9][10] Group 4: Recommendations for Improvement - Experts suggest that banks should enhance the supply and circulation of small denomination cash, while community organizations should educate merchants about the legal status of cash [8][10] - A multi-faceted approach involving regulatory oversight, banking services, and merchant compliance is necessary to resolve the cash rejection issue and ensure the smooth circulation of small denomination banknotes [10]