人民币现金收付新规来了

Core Viewpoint - The new regulations on cash payments in China, effective from February 1, 2026, aim to uphold the status of the Renminbi as legal tender, prevent refusal of cash payments, and cater to diverse payment service needs in society [1]. Group 1: Regulations on Cash Payments - The regulations establish basic requirements to ensure cash payment acceptance, including the obligation for service providers to support cash payments when face-to-face services are provided [4]. - Self-service models and locations with unified management must clearly indicate payment methods and provide contact information for cash services [5]. - For fully online transactions, service providers must publicly disclose payment methods in advance, respecting the public's right to know and choose [5]. - When cash collection is delegated to another entity, the principal must require acceptance of cash through written agreements [5]. - Businesses promoting digital services must consider the public's need for cash and cannot discriminate against cash payments [6]. Group 2: Requirements for Financial Institutions - Banking institutions must comply with cash management laws and improve cash service quality to meet the needs of the public and service providers [7]. - Banks with physical locations must offer cash deposit and withdrawal services [7]. - As payment agents, banks must support cash collection through manual methods [8]. - Banks should ensure that the number and layout of cash service points and ATMs meet the diverse needs of different customer groups [10]. - Financial institutions must manage the circulation of Renminbi properly to prevent risks associated with non-circulating currency [10]. Group 3: Handling Cash Payment Issues - In cases of cash payment difficulties, parties should negotiate amicably to resolve disputes and can retain evidence for complaints if cash is refused or discriminated against [9]. - Complaints can be made through various channels, including consumer protection hotlines, and the People's Bank of China will address these issues promptly [9].