人民币现金收付新规今起施行 遇这些情况可投诉举报

Core Viewpoint - The People's Bank of China, along with the National Development and Reform Commission and the Financial Regulatory Administration, has implemented the "Regulations on Cash Payment and Services" to uphold the legal status of the Renminbi, prevent the refusal of cash payments, and meet the diverse payment service needs of the public, effective from February 1 [1]. Summary by Relevant Sections Regulations on Cash Payment Behavior - The regulations establish basic requirements for cash payments based on classification management and universal applicability, including: - Cash payments must be supported in face-to-face services and transactions that can be completed offline, with reasonable change available [2]. - Self-service models and locations with unified management must clearly indicate payment methods and provide contact information for cash services [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 a payment unit entrusts another entity to collect payments, the entrusting party must require the acceptance of cash through written agreements [2]. - Digital governance and business model innovations must consider the public's need for cash and cannot discriminate against cash payments [2]. Requirements for Commercial Banks - Financial institutions must comply with cash management laws and improve cash service quality to meet public and business needs: - Banks with physical locations must handle cash deposit and withdrawal services [3]. - The number and layout of cash service points and self-service machines must meet the diverse needs of different customer groups [3][11]. - Banks must ensure the proper return of Renminbi and prevent the circulation of unfit currency [12][14]. Handling Cash Payment Issues - In cases of cash payment difficulties, parties should negotiate amicably with the payment unit to resolve disputes and retain evidence for complaints if cash is refused or discriminated against [5].