人民币现金收付新规来了！最新答疑→

Core Viewpoint - The People's Bank of China, in collaboration with the National Development and Reform Commission and the Financial Regulatory Administration, has implemented regulations to uphold the legal status of the Renminbi and prevent the refusal of cash payments, effective from February 1 [1]. Group 1: Cash Payment Regulations - The regulations establish basic requirements for cash payments, emphasizing that entities providing face-to-face services must support cash payments and maintain reasonable change availability [2]. - For self-service models and locations like parks and schools, operators must clearly indicate payment methods and provide contact information for cash-related services [2][3]. - Entities promoting digital governance and innovative business models must consider public cash usage needs and cannot discriminate against cash payments [3]. Group 2: Banking Sector Requirements - Financial institutions must comply with cash management laws and enhance cash service quality to meet public and business needs [4]. - In cases of cash payment difficulties, institutions should amicably resolve disputes with service providers and retain evidence for complaints if cash is refused [4][21]. - Banks must ensure that branches accepting personal deposits provide cash deposit and withdrawal services [10]. Group 3: Cash Service Optimization - Banks are required to ensure that the number and layout of cash service points and self-service machines meet the diverse needs of different customer groups [13]. - Institutions must manage the return of Renminbi properly to prevent the circulation of unfit currency and mitigate various business risks [16]. - When acting as payment agents, entities must support cash collection through manual methods [19].