新华社权威快报 中国人民银行12月22日宣布 自2026年1月1日起 实施一次性信用修复政策 符合条件的逾期信息将不予展示 支持个人高效便捷重塑信用 记者：吴雨 海报制作：任军 新华社国内部出品 新华社国内部出品 为支持信用受损但积极还款的个人高效便捷重塑信用，12月22日中国人民银行对外发布一次性信用修复 政策有关安排。 根据相关安排，政策适用对象限定于个人在中国人民银行征信系统中展示的信贷逾期信息；适用时间区 间要求逾期信息产生于2020年1月1日至2025年12月31日期间；适用金额为单笔逾期金额不超过1万元； 适用前提是个人在2026年3月31日（含）前足额偿还逾期债务。符合上述条件的逾期信息，将不会在个 人信用报告中予以展示。 ...

Core Viewpoint - The People's Bank of China has begun issuing the 2026 New Year commemorative currency, including a banknote and various commemorative coins, which are all legal tender in the People's Republic of China [1]. Commemorative Banknote - The front of the banknote features a horse design, the national emblem, and the denomination in both numeric and Chinese characters, along with various security features [2][4]. - The back of the banknote depicts children celebrating with drums, along with floral and holographic designs, and includes the denomination in multiple languages [4]. - The banknote has a face value of 20 yuan, dimensions of 145mm by 70mm, is made of plastic, and has a total issuance of 100 million pieces, including 20,000 for historical archives [6]. Commemorative Coins - The front of the dual-color copper alloy commemorative coin displays the People's Bank of China and the denomination of 10 yuan, with a floral background [7]. - The back features a horse design inspired by traditional Chinese paper-cutting art, with additional decorative elements [7]. - The coin has a face value of 10 yuan, a diameter of 27mm, is made of dual-color copper alloy, and has a total issuance of 100 million pieces, including 10,000 for historical archives [10]. Issuance and Reservation Process - The reservation for the commemorative banknote and coins will take place on January 13 and 14, 2026, through designated banks [11][13]. - A list of participating banks across various regions has been provided for the public to make reservations [12]. Gold and Silver Commemorative Coins - The People's Bank of China has also issued a set of gold and silver commemorative coins, including a 1-gram round gold coin and an 8-gram diamond-shaped silver coin, both featuring traditional auspicious designs [14]. - The 1-gram gold coin has a face value of 10 yuan, a diameter of 10mm, and a maximum issuance of 150,000 pieces, with a purity of 99.9% [14]. - The 8-gram silver coin has a face value of 3 yuan, dimensions of 23mm on each side, and a maximum issuance of 1,000,000 pieces, also with a purity of 99.9% [18].

Group 1 - The People's Bank of China announced a one-time credit repair policy to support individuals with damaged credit who are actively repaying their debts [2] - The policy applies to individuals with credit overdue information displayed in the People's Bank of China credit reporting system, specifically for overdue information generated between January 1, 2020, and December 31, 2025 [2] - The overdue amount must not exceed 10,000 yuan for a single instance [2] Group 2 - Individuals must fully repay their overdue debts by March 31, 2026, for the relevant overdue information to be excluded from their credit reports [3]

Core Viewpoint - The People's Bank of China will issue the 2026 New Year commemorative coins and banknotes starting from December 22, 2025, as legal tender of the People's Republic of China [1] Group 1: Commemorative Banknotes - The commemorative banknote has a face value of 20 yuan and a total issuance of 100 million pieces [1] - The front design features a horse motif, while the back showcases children celebrating with drums [1] Group 2: Commemorative Coins - The commemorative coin is made of bimetallic copper alloy with a face value of 10 yuan, also with an issuance of 100 million pieces [1] - The front of the coin displays the "10 yuan" inscription, and the back features a horse image along with lantern designs [1] Group 3: Public Participation - From January 13 to 14, 2026, the public can make reservations through the official websites and branches of the participating banks, with a limit of one reservation per person [1] Group 4: Gold and Silver Commemorative Coins - The gold and silver commemorative coins are scheduled for release on December 22, 2025, featuring traditional Chinese auspicious patterns on the front [1]

Core Points - The People's Bank of China is issuing the 2026 New Year commemorative banknotes and coins starting from December 22, 2023, which includes one banknote and three types of coins, all recognized as legal tender in the People's Republic of China [1][7]. Commemorative Banknote - The commemorative banknote features a horse design on the front, along with the national emblem, the name of the bank, and various security features such as a holographic pattern and a transparent window. The denomination is 20 yuan [1][3]. - The back of the banknote showcases a festive scene with children celebrating, accompanied by Mongolian decorative patterns, and includes the denomination in multiple languages [3]. - The banknote has a face value of 20 yuan, dimensions of 145mm by 70mm, is made of plastic, and has a total issuance of 100 million pieces, including 20,000 for historical archives [5]. Commemorative Coins - The commemorative coins include a 10 yuan dual-color copper alloy coin, which features traditional Chinese paper-cut art and a horse image on the back, with a total issuance of 100 million pieces, including 10,000 for historical archives [6]. - The dual-color copper alloy coin has a diameter of 27mm and will be available for reservation from January 13 to 14, 2026, through designated banks [6]. - Additionally, a set of gold and silver commemorative coins is being issued, which includes a 1-gram round gold coin and an 8-gram diamond-shaped silver coin, both featuring traditional auspicious designs [7][9]. - The 1-gram gold coin has a face value of 10 yuan, a diameter of 10mm, and a maximum issuance of 150,000 pieces, while the 8-gram silver coin has a face value of 3 yuan, a side length of 23mm, and a maximum issuance of 1 million pieces [8][9]. Sales Channels - The sales channels for these commemorative coins and banknotes will be detailed on the China Gold Coin website and the "China Gold Coin" WeChat official account [10].

Core Viewpoint - The People's Bank of China, along with the National Development and Reform Commission and the Financial Regulatory Bureau, has established new regulations regarding cash payments, which will take effect on February 1, 2026, to ensure the acceptance of cash as a legitimate payment method and to prevent discrimination against cash transactions [1][6]. Group 1: Regulations on Cash Payments - The new regulations mandate that payment units and business entities must respect the public's right to choose legal payment methods and cannot refuse cash payments or induce others to do so [5][6]. - Payment units and business entities are required to support cash payments in specific scenarios, including face-to-face services and online transactions that are completed offline [3][7][9]. - Cash payment-supporting entities must maintain adequate change and necessary conditions to ensure smooth cash transactions [3][12]. Group 2: Responsibilities of Payment Units and Financial Institutions - Payment units and business entities must clearly indicate accepted payment methods and provide contact information for cash payment services [10]. - Financial institutions are required to enhance cash service quality, including accepting cash deposits and providing face-to-face cash services [13][14]. - Institutions must also establish emergency cash service mechanisms to address sudden cash demands and ensure the availability of cash [14]. Group 3: Enforcement and Compliance - The People's Bank of China and its branches have the authority to supervise and inspect compliance with cash acceptance regulations, and violators will face penalties [15][16]. - The public is encouraged to report instances of cash refusal or discrimination against cash payments to local branches of the People's Bank of China [5][15].

Core Viewpoint - The People's Bank of China, in collaboration with the National Development and Reform Commission and the Financial Regulatory Bureau, has issued the "Regulations on Cash Payment and Services" to uphold the legal status of the Renminbi, prevent cash rejection behaviors, and meet the diverse payment service needs of the public. The regulations will take effect on February 1, 2026 [1]. Group 1 - The regulations consist of nineteen articles and apply to various entities, including government agencies, public service units, businesses, and the general public regarding cash transactions, as well as cash services provided by banking institutions. The core principle is that cash must not be refused, induced to be refused, or subjected to discriminatory measures, except in legally defined non-cash payment scenarios [1]. - Charging units and businesses must respect the public's right to choose legal payment methods. If all transactions are conducted online, they must publicly announce payment methods in advance and inform users during the service process [1]. - If cash payments are accepted, charging units and businesses must maintain reasonable change availability and ensure necessary conditions for cash transactions to proceed smoothly [1]. Group 2 - For self-service models, such as unattended machines, charging units must adequately meet the public's cash payment needs in special circumstances, such as mobile payment failures or equipment malfunctions [2]. - In locations like parks, factories, and schools that use unified management for payments, convenient cash recharge and card refund services must be provided [2]. - Banking institutions must handle cash deposit and withdrawal services for personal customers and ensure that cash self-service machines meet customer needs for cash transactions [2]. Group 3 - Banks should provide appointment or batch processing for customers exchanging large amounts of coins or small denomination notes, considering the needs of elderly, disabled, and foreign individuals in cash services [3]. - A cash service emergency response mechanism should be established to ensure cash supply and optimize service during unexpected situations [3]. - The regulations allow the public to protect their rights if they encounter cash rejection or discriminatory practices, enabling them to gather evidence and report to local branches of the People's Bank of China [3].

Core Viewpoint - The People's Bank of China, in collaboration with other regulatory bodies, has introduced new regulations to ensure the acceptance of cash payments and to enhance the cash circulation environment in the country, effective from February 1, 2026 [1][2]. Group 1: Regulatory Framework - The new regulations aim to clarify the cash service obligations of various charging units, business entities, and financial institutions, promoting a collaborative effort to maintain a cash-friendly environment [2][3]. - The regulations are based on five fundamental principles: serving the public, problem orientation, comprehensive measures, collaborative governance, and legal punishment [2]. Group 2: Cash Payment Requirements - Specific requirements are set for cash payment behaviors of charging units and business entities, emphasizing the need for cash acceptance in face-to-face service scenarios and maintaining reasonable change availability [3][4]. - Business entities using self-service models or operating in managed areas must clearly indicate payment methods and provide contact information for cash service inquiries [3]. Group 3: Banking Sector Responsibilities - Financial institutions are mandated to strictly adhere to cash management laws, improve cash service quality, and ensure that cash deposit and withdrawal services are available at physical branches [3][4]. - Banks should consider the needs of elderly individuals, disabled persons, and foreign visitors when setting up cash service facilities [4].

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 legal status of the Renminbi, prevent the refusal of cash payments, and meet the diverse payment service needs of the public, thereby creating a conducive environment for cash circulation alongside various payment methods [1] Group 1: Regulations on Cash Payment Behavior - The regulations emphasize basic requirements for cash payments, including the necessity for face-to-face services to support cash payments and maintain reasonable change availability [2] - For self-service models and locations with unified management, operators must clearly indicate payment methods and cash acceptance policies [2] - In fully online transactions, operators are required to publicly disclose payment methods in advance, respecting the public's right to information and choice [2] - When entrusting other entities for cash collection, the principal must ensure that the agent accepts cash through written agreements [2] - Operators promoting digital governance must consider the public's need for cash and cannot discriminate against cash payments [2] Group 2: Requirements for Banking Institutions - Banking institutions must comply with cash management laws and improve cash service quality to meet the needs of the public and businesses [3] - Banks with physical locations must provide cash deposit and withdrawal services [3] - Financial institutions should ensure that the number and layout of cash service points and self-service machines meet the diverse needs of different customer groups [3] - Banks must manage the return of Renminbi properly to prevent the circulation of unfit currency and mitigate various business risks [3] Group 3: Handling Cash Payment Issues - In cases of cash payment difficulties, parties should negotiate amicably with the service provider to resolve disputes and protect their rights legally [5] - If cash is refused or discriminatory measures are taken against cash payments, individuals should retain evidence and report through various channels, with the People's Bank of China coordinating timely responses [5]

不允许学生家长使用现金缴纳学费、拒绝客户以现金缴纳车险费用、以无法找零为由不让消费者支付现 金……这些困扰老百姓使用现金的情形该如何根治？为切实维护人民币法定货币地位，防范和整治拒收 人民币现金行为，构建多元支付方式共同发展下的现金便利流通环境，中国人民银行会同国家发展和改 革委员会、国家金融监督管理总局制定了《人民币现金收付及服务规定》，于近日对外发布，并自2026 年2月1日起施行。 "在新规引导下，银行业金融机构应结合现金业务规模、类型、特点，确保现金网点、自助机具的数 量、布局能满足不同客户群体的现金服务需求。同时，依法依规做好回笼人民币的整点，防止将不宜流 通人民币对外支付，防范各类业务风险。"南开大学金融学教授田利辉说，还应充分考虑老年人、残障 人士、境外人士办理现金业务的需求与习惯，合理布设现金自助机具。 如何应对现金支付不畅的现象？中国人民银行相关负责人表示，应与收费单位、经营主体友好协商解决 争议，依法正确维权。确遇拒收现金，或者采取歧视性措施排斥现金的，应妥善保留相应的证据或线 索，通过城市政务热线、消费者权益保护、金融消费权益保护等各种渠道进行投诉、举报，中国人民银 行将会同相关部门及时 ...