人民币现金收付新规，下月起施行！

Core Viewpoint - The People's Bank of China, in collaboration with the National Development and Reform Commission and the Financial Regulatory Bureau, has established the "Regulations on Cash Payment and Service of Renminbi," effective from February 1, 2026, to enhance the status of Renminbi as legal tender and address the issue of refusal to accept cash payments [1][3]. Group 1: Regulations and Implementation - The regulations aim to maintain a cash-friendly environment by ensuring that businesses support cash payments and keep reasonable change available [1][3]. - The regulations will elevate the requirements for addressing cash refusal and optimizing the cash usage environment to a normative document, ensuring the sustainability and effectiveness of these efforts [3]. - The regulations emphasize a multi-faceted approach to address new issues and phenomena related to cash payments, considering specific scenarios and fields [5][6]. Group 2: Service Standards and Public Rights - The regulations are guided by the principles of serving consumption and safeguarding livelihoods, supporting payment diversity while respecting public choice in payment methods [4]. - Businesses must clearly display payment methods and cash acceptance policies in prominent locations, ensuring the public's right to information and choice [10]. - All payment and service transactions conducted online must be publicly announced in advance, respecting the public's right to know [1][10]. Group 3: Cash Service Optimization - Financial institutions are required to provide cash deposit and withdrawal services at all physical locations that accept personal customer deposits [14]. - The layout of cash service points and self-service machines must be designed to meet the needs of different customer groups based on the scale and characteristics of cash business [17]. - Businesses acting as payment recipients must support cash payments and cannot discriminate against cash transactions [20].