人民币现金收付新规今起施行

Core Viewpoint - The People's Bank of China, along with the National Development and Reform Commission and the Financial Regulatory Bureau, has implemented the "Regulations on Cash Payment and Services in Renminbi" to uphold the legal status of the Renminbi, prevent and rectify the refusal to accept cash, and meet the diverse payment service needs of the public, effective from February 1 [1] Summary by 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 like parks and schools must clearly indicate payment methods and provide contact information for cash services [2][3] - For fully online transactions, payment methods must be publicly disclosed in advance to respect the public's right to know and choose [3] - If a payment unit entrusts another entity for cash collection, the entrusting party must require acceptance of cash through written agreements [4] - Digital governance and business model innovations must consider public cash usage needs and cannot discriminate against cash payments [4] Requirements for Commercial Banks - Financial institutions must adhere to 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 for individual clients [5][12] - Banks should ensure the number and layout of cash service points and self-service machines meet the diverse needs of different customer groups [8][15] - Banks must manage the return of Renminbi properly to prevent the circulation of unsuitable currency and mitigate various business risks [8][18] - As entrusted cash collection agents, banks must support cash acceptance [8][21] Handling Cash Payment Issues - In cases of cash payment difficulties, parties should negotiate amicably to resolve disputes and protect their rights legally: - Evidence of refusal to accept cash should be preserved, and complaints can be made through various channels, including consumer protection hotlines [6][22] - The People's Bank of China will coordinate with relevant departments to address complaints promptly [6][22]