人民币现金收付新规将实施

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 and protect the public's rights to use cash [2][3]. Group 1: Regulations Overview - The regulations, jointly formulated by the People's Bank of China, the National Development and Reform Commission, and the Financial Regulatory Bureau, establish basic requirements for cash payments, including the necessity for face-to-face service and support for cash payments in various settings [2]. - Cash payments must be supported in scenarios where face-to-face transactions occur, and reasonable change must be available [2]. - In self-service models, such as unattended machines, businesses must clearly indicate payment methods and provide contact information for cash-related services [2]. Group 2: Consumer Rights and Complaints - Consumers have the right to report instances of cash payment refusal or discrimination, with the option to escalate issues through consumer protection channels if initial negotiations fail [3]. - Evidence should be retained for any disputes regarding cash payment refusals, and relevant authorities will address complaints promptly [3]. Group 3: Banking Sector Responsibilities - Banks are required to facilitate cash deposit and withdrawal services, ensuring compliance in cash handling and supporting cash collection through manual processes [3]. - Financial institutions acting as payment recipients must also support cash transactions, reinforcing the importance of cash in the payment ecosystem [3].