人民币现金收付新规，今起施行！

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" to maintain the legal status of the Renminbi, prevent and rectify the refusal to accept cash, and meet the diverse payment service needs of the public. These regulations will take effect on February 1, 2026 [2][7]. Summary by Relevant Sections Regulations on Cash Payment Behavior - The regulations require that entities providing face-to-face services must support cash payments and maintain reasonable change availability [3]. - For self-service models and locations with unified management, entities must clearly indicate payment methods and provide contact information for cash service [3]. - Entities conducting all transactions online must publicly announce payment methods in advance, respecting the public's right to know and choose [3]. - When delegating cash collection, the principal must require the agent to accept cash through written agreements [3]. - Entities promoting digital governance must consider the public's need for cash and cannot discriminate against cash payments [3]. Requirements for Commercial Banks - Banks must comply with cash management laws and improve cash service quality to meet public and business needs [4]. - Banks with physical locations must handle cash deposits and withdrawals [4]. - Banks should ensure the number and layout of cash service points and self-service machines meet the needs of different customer groups [4]. - Banks must manage the return of Renminbi properly to prevent the circulation of unfit currency and mitigate business risks [4]. Handling Cash Payment Issues - In cases of cash payment difficulties, parties should negotiate amicably to resolve disputes and retain evidence for complaints if cash is refused [5]. - Complaints can be made through various channels, and the People's Bank of China will coordinate with relevant departments to address issues promptly [5]. Principles of the Regulations - The regulations are guided by the principle of serving consumer needs and ensuring public welfare while supporting diverse payment methods and respecting public choice [8]. - A problem-oriented approach is adopted to address new issues in cash payments, with tailored strategies for different sectors and scenarios [9]. - A comprehensive strategy is implemented to regulate cash payment behaviors and encourage banks to enhance cash services simultaneously [10]. Enforcement and Public Engagement - The regulations emphasize the importance of a multi-departmental approach to address cash refusal and ensure smooth cash payment channels [12]. - There will be strict penalties for entities that refuse cash payments, with a focus on high-profile cases to raise public awareness [13].