中国人民银行可以通过发布监管指引、指南、案例等方式，指导金融机构开展受益所有人识别核实工 作。金融机构对开展受益所有人识别核实工作过程中获取的有关信息，应当依法予以保密。 人民银行称，相关文字修订意见已充分吸收，另有大部分反馈内容属于条款理解、执行操作层面的咨 询，后续将通过发布相关指引指南对相关内容予以细化，也将通过宣传培训等方式对金融机构开展指 导。 （文章来源：新华财经） 新华财经北京12月19日电据中国人民银行19日消息，《金融机构客户受益所有人识别管理办法》已经 2025年12月12日中国人民银行2025年第18次行务会议审议通过，现予公布，自2026年1月20日起施行。 据人民银行官网，《金融机构客户受益所有人识别管理办法（征求意见稿）》（以下简称《办法》）于 2025年10月11日至2025年11月11日向社会公开征求意见。在征求意见期间收到有效反馈105条，其中大 部分内容属于条款理解、执行操作层面的咨询。 该办法第四条提出，金融机构应当按照以下原则开展受益所有人识别核实工作：（一）基于风险原则。 金融机构应当按照基于风险的原则，采取与风险程度相匹配的差异化措施识别核实客户的受益所有人。 （二 ...

Core Viewpoint - The People's Bank of China will issue the 2026 New Year commemorative coins and banknotes starting from December 22, 2025, including a dual-color copper alloy commemorative coin, a commemorative banknote, a gold commemorative coin, and a silver commemorative coin, all of which are legal tender in the People's Republic of China [1]. Group 1: Commemorative Coin and Banknote Details - The dual-color copper alloy commemorative coin has a face value of 10 yuan, a diameter of 27 mm, and a total issuance of 100 million pieces (including 10,000 pieces for historical currency archives) [11]. - The commemorative banknote has a face value of 20 yuan, dimensions of 145 mm in length and 70 mm in width, made of plastic, with a total issuance of 100 million pieces (including 20,000 pieces for historical currency archives) [11]. Group 2: Design Features - The front design of the dual-color copper alloy commemorative coin features the text "People's Bank of China," "10 yuan," the pinyin "SHIYUAN," and the year "2026," with a background pattern of floral designs [3]. - The front of the commemorative banknote showcases a horse design, with the national emblem of the People's Republic of China, the text "People's Bank of China," and a holographic feature displaying the denomination "20" [5]. - The back of the dual-color copper alloy commemorative coin incorporates traditional Chinese paper-cutting art and decorative elements, featuring a horse image with floral lanterns and daylily patterns [7]. - The back of the commemorative banknote depicts children celebrating with drums, complemented by Mongolian decorative patterns, and includes various textual elements in multiple ethnic languages [9]. Group 3: Gold and Silver Commemorative Coins - The 1-gram round gold commemorative coin features a design combining traditional auspicious patterns, with a face value of 10 yuan, a diameter of 10 mm, and a maximum issuance of 150,000 pieces [19]. - The 8-gram diamond-shaped silver commemorative coin also features auspicious designs, with a face value of 3 yuan, a side length of 23 mm, and a maximum issuance of 1 million pieces [19].

2025.12. 19 本文字数：1490，阅读时长大约3分钟 作者 | 第一财经 杜川 事关现金收付，又一重要规定出台。 12月19日，中国人民银行会同国家发展改革委、金融监管总局制定了《人民币现金收付及服务规 定》（下称《规定》），以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，满足社 会公众多样化支付服务需求，构建多元支付方式共同发展下的现金便利流通环境。 全场景规范现金收付行为 针对当前现金流通领域的突出问题，《规定》基于分类管理和普遍适用的原则，提出保障现金支付的 基本要求。 在收费单位和经营主体现金收付行为方面，《规定》明确：对于采取人工收款、面对面服务或线上预 约线下交付的场景，经营主体应支持现金支付并备足零钱；采用无人值守、机具自助服务模式，以 及"一卡通"结算的园区、厂区、景区、学校等场所，需在醒目位置标识支付方式、现金收取转换方 式及服务电话；全部交易通过网络完成的，应提前公示支付方式，保障公众知情权与选择权；委托第 三方收款的，委托方需通过书面形式要求受托方接受现金。同时，收费单位推广数字政务、经营主体 开展商业模式创新时，必须充分考虑公众现金使用需求和突发情况，不得排斥或歧 ...

Core Viewpoint - The People's Bank of China has announced new regulations to protect the legal status of the Renminbi and prevent the refusal of cash payments, effective from February 1, 2026, aiming to create a diverse payment environment that supports cash circulation [1]. Group 1: Regulations and Compliance - The new regulations clarify the cash service obligations of various entities, including charging units and financial institutions, to ensure the public's right to choose legal payment methods is respected [4]. - Charging units and businesses are prohibited from refusing cash payments, inducing others to refuse cash, or implementing discriminatory measures against cash payments [4][5]. Group 2: Cash Payment Requirements - The regulations outline five basic requirements for ensuring cash payments, including the necessity for face-to-face services to support cash payments and maintaining reasonable change availability [5]. - In self-service models, businesses must clearly indicate payment methods and provide contact information for cash services [5][6]. Group 3: Financial Institutions' Responsibilities - Financial institutions are required to enhance cash service quality and comply with relevant cash management laws to meet the needs of the public and businesses [9]. - Banks must ensure that cash deposit and withdrawal services are available at physical branches and that the number and layout of cash service points meet diverse customer needs [10][11]. Group 4: Public Engagement and Rights - The public is encouraged to maintain the integrity of the Renminbi and to resolve disputes amicably with charging units when facing cash payment issues [12]. - In cases of cash refusal or discrimination, the public should retain evidence and report through appropriate channels for timely resolution by the People's Bank of China [12].

Group 1 - The People's Bank of China will issue the 2026 New Year commemorative coins and banknotes starting from December 22, 2025 [1] - The issuance includes one bimetallic commemorative coin, one commemorative banknote, one gold commemorative coin, and one silver commemorative coin, all of which are legal tender in the People's Republic of China [1]

本次《规定》明确要求，除因履行法律、法规、规章规定的义务或法定职责而应使用非现金支付工具情形外，不得拒收现金，不得要求或诱导他人拒收现金，不得 对现金支付采取歧视性措施，损害现金支付便利。 在多元支付方式并存的条件下，发挥现金兜底作用，需要相关各方的共识和法律保障。权威人士指出，《规定》旨在进一步明确各类收费单位、经营主体以及银行 业金融机构的现金服务义务，引导规范各相关主体共同建设和维护人民币现金流通使用环境，保障整治拒收现金与优化现金使用环境工作的持续性和有效性。 为防范和整治拒收人民币现金行为，满足社会公众多样化支付服务需求， 中国人民银行、国家发展改革委、金融监管总局 12月19日发布《人民币现金收付 及服务规定》（下称《规定》），规范收费单位和经营主体的现金收付行为，督促指导银行业金融机构优化现金服务并提升现金获取便利度。《规定》将自 2026年2月1日起施行。 人民币是我国的法定货币，是法定的商品交换媒介。近年来，央行积极推进现金流通环境建设，持续整治拒收现金。从当前情况看，全国拒收现金有关投诉显著减 少，人民群众的支付方式选择权得到有效保护，"拒收现金违法"的观念深入人心。但是，经营主体收现意愿 ...

Core Viewpoint - The People's Bank of China will issue the 2026 New Year commemorative coins and banknotes starting from December 22, 2025, which includes a copper alloy commemorative coin, a commemorative banknote, a gold commemorative coin, and a silver commemorative coin, all recognized as legal tender in the People's Republic of China [1] Group 1 - The issuance will include one copper alloy commemorative coin, one commemorative banknote, one gold commemorative coin, and one silver commemorative coin [1] - The copper alloy commemorative coin and commemorative banknote will be distributed through a reservation system [1] - Local distribution quantities and other information will be announced by the People's Bank of China branches before January 12, 2026 [1] Group 2 - The reservation process for the commemorative coin and banknote will take place from January 13 to January 14, 2026 [1] - Public can register for reservations through the official websites of the designated banks or at specified reservation points during business hours [1] - Each individual is allowed to make one reservation for the commemorative coin and one for the banknote [1]

Core Viewpoint - The People's Bank of China and two other departments have issued new regulations to prevent and address the refusal of cash payments, aiming to create a more convenient cash circulation environment alongside diverse payment methods. The regulations will take effect on February 1, 2026 [1]. Group 1: Regulations and Compliance - The new regulations clarify the cash service obligations of various entities, including businesses and financial institutions, emphasizing that cash cannot be refused except in specific legal circumstances [1]. - Businesses are prohibited from requiring or inducing others to refuse cash payments and must not implement discriminatory measures against cash transactions [1]. Group 2: Implementation and Support - The regulations categorize measures based on different fields and scenarios, requiring businesses using self-service models or unified management systems to clearly display payment methods and cash service contact information [1]. - Consideration is given to the needs of elderly individuals, disabled persons, and foreign visitors in cash transactions, with banks required to establish emergency cash service mechanisms to ensure supply and optimize service for these groups [2]. Group 3: Complaint Mechanism - In cases of cash payment refusal or discriminatory practices, the public is encouraged to retain evidence and report through various channels, including consumer protection hotlines, with the People's Bank of China and relevant departments committed to timely handling complaints [2].

Core Viewpoint - The People's Bank of China, in collaboration with the National Development and Reform Commission and the Financial Regulatory Administration, has issued regulations to uphold the legal status of the Renminbi and prevent the refusal of cash payments, ensuring a conducive environment for cash circulation alongside diverse payment methods [1][2]. Group 1: Regulations Overview - The newly released regulations aim to maintain the legal status of the Renminbi and address the issue of cash refusal, particularly by administrative bodies, public service units, and businesses [1]. - The regulations require that entities supporting cash payments must maintain adequate change reserves and ensure smooth cash transactions [1]. - Public service units and businesses are encouraged to consider the public's need for cash and potential emergencies when promoting digital services and innovating business models [1]. Group 2: Cash Payment Handling - If a public entity or business encounters a situation where a customer presents a large number of coins or small denomination notes that exceed their counting capacity, they must negotiate a solution or direct the customer to a bank for appropriate denomination exchange, and cannot refuse cash payment on this basis [2]. - Financial institutions acting as payment recipients must support the acceptance of cash payments [2]. - Individuals who experience cash refusal or discriminatory practices in cash payments can gather evidence and report to local branches of the People's Bank of China for legal recourse [2]. Group 3: Supervision and Compliance - The People's Bank of China and its branches have the authority to supervise and inspect cash refusal behaviors, and involved parties must provide accurate information and not obstruct or evade inspections [2].

Group 1 - The People's Bank of China announced the issuance of the 10th Central Bank Bill through the Hong Kong Monetary Authority's debt instrument central settlement system to enhance the RMB yield curve in Hong Kong [1] - The issuance date is set for December 22, 2025, with a maturity period of 6 months (182 days) [5] - The total issuance amount is RMB 40 billion, with a face value of RMB 100 per bill, and it will be issued via a Dutch auction method [5] Group 2 - The interest payment will be made at maturity, which is scheduled for June 24, 2026, with the maturity date adjusted for public holidays [5]