人民币现金收付新规施行 遇这些情况可投诉举报

Core Viewpoint - The People's Bank of China, in collaboration 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, effective from February 1 [1]. Group 1: Cash Payment Regulations - The regulations require that cash payments must be supported in face-to-face transactions where conditions allow, and reasonable change must be available [1]. - In self-service models, businesses must clearly indicate payment methods and provide contact information for cash-related services [1][2]. - For fully online transactions, businesses must publicly disclose payment methods in advance, respecting the public's right to know and choose [1]. - When a business delegates cash collection to another entity, the delegating party must ensure through written agreements that cash payments are accepted [1][2]. Group 2: Banking Sector Requirements - Banks must comply with cash management laws and improve cash service quality to meet public and business needs [3]. - Banks with physical locations must provide cash deposit and withdrawal services [5][10]. - Banks should ensure that the number and layout of cash service points and self-service machines meet the needs of different customer groups [5][13]. - Banks must manage the return of Renminbi properly to prevent the circulation of unfit currency and mitigate various business risks [5][18]. - As cash collection agents, banks must support cash payments in person [5][16]. Group 3: Handling Cash Payment Issues - In cases of cash payment difficulties, businesses should negotiate amicably with the charging units to resolve disputes and protect their rights legally [3][17]. - If cash is refused or discriminatory practices against cash payments occur, evidence should be retained for complaints through various channels [3][17].