不得拒收现金！2026年2月起新规施行

Core Viewpoint - The new regulation issued by the People's Bank of China, along with the National Development and Reform Commission and the Financial Regulatory Bureau, aims to protect the legal status of the Renminbi and prevent the refusal of cash payments, effective from February 1, 2026 [1][4]. Summary by Sections Regulation Overview - The regulation consists of 19 articles focusing on prominent issues in cash payment services, establishing targeted norms [2]. Payment Choice Protection - A key highlight is the guarantee of payment choice, mandating that all service providers must accept cash payments unless in legally defined special circumstances. This includes high-frequency consumption scenarios such as supermarkets, restaurants, and schools, which can no longer refuse cash under the pretext of only accepting mobile payments [3]. Special Circumstances and Financial Services - For special scenarios like unattended services and card management, the regulation requires self-service devices to accommodate cash payments in cases of mobile payment failures. Additionally, locations using card systems must provide convenient cash recharge and refund services without charging conversion fees [3]. Consumer Rights and Complaints Mechanism - The regulation enhances consumer rights by allowing the public to file complaints with local branches of the People's Bank of China if they encounter cash refusal or discriminatory practices. Relevant authorities will investigate and publicly disclose penalties [4]. Response to Current Issues - The regulation addresses the growing issue of cash refusal, particularly as mobile payments become more prevalent. Instances of cash refusal have caused significant inconvenience for specific groups, such as the elderly, who may not be familiar with digital payment methods [4]. Public Feedback in Regulation Development - During the drafting process, the regulatory bodies received 25 valid feedback submissions, most of which were incorporated into the final regulation. Key public concerns included clarifying terms like "without justifiable reason" and detailing requirements for cash acceptance in essential sectors like dining and transportation [5].