遇拒收现金可维权 人民币现金收付新规下月起施行

Core Viewpoint - The People's Bank of China, along with the National Development and Reform Commission and the Financial Regulatory Bureau, has established regulations to uphold the status of the Renminbi as legal tender, prevent the refusal of cash payments, and meet the diverse payment service needs of the public. These regulations will take effect on February 1, 2026 [1]. Group 1: Regulations on Cash Payment Behavior - The regulations emphasize basic requirements for cash payments based on classification management and universal applicability. Key aspects include: - Cash payments must be supported in face-to-face services and transactions that can be completed offline, with reasonable change availability [2]. - Self-service models and locations with unified management must clearly indicate payment methods and cash acceptance [2]. - For fully online transactions, payment methods must be publicly disclosed in advance to respect the public's right to know and choose [2]. - When entrusting other units for cash collection, the principal must require the agent to accept cash through written agreements [2]. - Digital governance promotion and business model innovation must consider public cash usage needs and avoid discrimination against cash payments [2]. Group 2: Requirements for Commercial Banks - Financial institutions are required to enhance cash service quality and meet the needs of the public and businesses by: - Accepting personal customer deposits and providing cash services at physical bank branches [3]. - Ensuring the number and layout of cash service points and self-service machines meet the diverse needs of different customer groups [3]. - Properly managing the return of Renminbi to prevent the circulation of unfit currency and mitigate various business risks [3]. Group 3: Handling Cash Payment Issues - In cases of cash payment difficulties, parties should negotiate amicably with the service provider. If cash is refused or discriminatory measures are taken, evidence should be preserved for complaints through various channels, with the People's Bank of China and relevant departments addressing the issues promptly [5].