川观新闻记者 罗韬 文/图 便利店作为贴近民生的"城市毛细血管"，无论年轻人还是老年人都有购买需求。记者走访红旗连锁、舞东风等便利店，虽然这些便利店已经实现微信、支付 宝、抖音等支付方式，但当记者提出现金支付后依旧可以完成交易。"其实用线上支付比较划算，有些支付还有立减。"一位舞东风工作人员"温馨提示"。 2月1日起，中国人民银行联合国家发展改革委、金融监管总局制定的《人民币现金收付及服务规定》正式实施。其中规定：人工收款、面对面服务及线上线 下结合的交易必须支持现金支付，并备足零钱；无人设备需公示现金转换方式，保障公众支付。这意味着，超市收银台拒绝老人现金结账、快餐店诱导顾客 使用扫码点餐等行为将被视为违规。 成都个体零售店探访。 成都IFS楼下Ole精品超市。 2月2日下午，记者来到成都IFS楼下Ole精品超市，琳琅满目的商品吸引着来这里购物的消费者，工作人员也会引导，建议大家通过微信、支付宝等方式自助 结算。不过，这个超市依旧设置有人工柜台。下午时分，自助结算屏并无客户，但人工柜台则安排有人工值班。"买点礼物送亲朋好友。"一位女士说，她拿 出3张100元人民币，递给了超市工作人员，超市工作人员也很快找给 ...

一、采取人工方式收款、提供面对面服务以及线上预约、交易，线下完成服务或货物交付，具备当面收款条件的，应支持现金支付，保持 合理的零钱备付。 此前，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》，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。 规定于今日（2月1 日）起施行。 《规定》对收费单位和经营主体的 现金收付行为作了哪些规定？ 《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。主要包括以下几方面： 二、采取无人值守、机具设备等自助服务模式，以及采用"一卡通"结算、进行统一管理的园区、厂区、景区、学校等场所，经营主体应在 醒目位置标识支付方式，现金收取转换方式及服务联系电话。 三、全部交易、支付、服务均通过网络完成的，收费单位、经营主体应提前公示支付方式，充分尊重公众的知情权和选择权。 四、收费单位、经营主体委托其他单位代为收款的，委托方应当通过协议、通知、声明等书面形式，要求受托方接受现金。 五、收费单位推广数字政务，经营主体开展商业模式创新，应充分考虑公众使用 ...

Core Insights - The use of cash among university students is increasing, with approximately 42% of students reporting frequent cash usage, up from 26.4% in 2022 [1][2] - Cash payments are particularly prevalent in specific settings, such as campus canteens and convenience stores, where the cash payment rate can reach 57% [1] Group 1: Reasons for Increased Cash Usage - Cash helps students control their spending, as they can physically see the amount of cash they have left, which encourages them to manage their expenses better [4][6] - In certain situations, cash is necessary due to limitations of mobile payment methods, such as poor network signals or device malfunctions, making cash a reliable backup [7][9] - Privacy concerns drive students to prefer cash payments, as mobile payment platforms can track personal spending habits and potentially expose sensitive information [10][12] - Cash payments are seen as a safeguard against various forms of financial fraud, with students opting for cash to avoid the risks associated with sharing bank details online [13][15] Group 2: Future Outlook - The trend indicates that while cash usage is rising among university students, mobile payments will not disappear but will coexist with cash payments in daily transactions [15]

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has established the "Regulations on Cash Payment and Service of Renminbi" to enhance the cash payment environment amidst the growing trend of digital payments, ensuring that cash remains a viable payment option for all demographics [1][2]. Group 1: Principles of the Regulations - The regulations adhere to five fundamental principles: prioritizing financial services for the public, addressing emerging issues in cash transactions, implementing comprehensive measures, promoting collaborative governance, and enforcing legal penalties against entities that refuse cash payments [2]. Group 2: Requirements for Payment Scenarios - The regulations specify that cash payments must be supported in scenarios involving face-to-face services and transactions that can be completed in person, while also mandating clear signage regarding payment methods in self-service environments [3][4]. - Entities that conduct all transactions online must publicly disclose their payment methods in advance, respecting the public's right to know and choose [3]. Group 3: Banking Sector Obligations - Banks are required to facilitate cash deposit and withdrawal services, ensuring that their branches and ATMs are accessible to meet diverse customer needs, while also managing cash flow to prevent the circulation of unfit currency [5]. - In cases of cash payment refusal, the public is encouraged to negotiate with the service provider and report any discriminatory practices through official channels, with the central bank and relevant authorities committed to addressing such complaints [5].

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has established the "Regulations on Cash Payment and Service" to enhance the cash circulation environment amidst the rise of digital payment methods, ensuring that cash remains a viable payment option for all demographics [1][2]. Group 1: Regulations Overview - The regulations aim to clarify the cash service obligations of various charging units, operating entities, and banking institutions, promoting a collaborative effort to maintain a cash-friendly environment [1][2]. - The regulations are based on five fundamental principles: serving the public, problem orientation, comprehensive measures, collaborative governance, and legal accountability [2]. Group 2: Payment Scenarios - The regulations specify that cash payments must be supported in scenarios involving face-to-face services and transactions that can be completed in person, ensuring reasonable cash availability [3]. - For self-service models and areas with unified management, operators must clearly indicate accepted payment methods and cash conversion options [3][4]. Group 3: Banking Sector Requirements - Banking institutions are required to provide cash deposit and withdrawal services, ensuring that their network and self-service machines meet the needs of various customer groups [5]. - In cases of cash payment difficulties, the public is encouraged to negotiate with the service provider and report any refusal or discriminatory practices through appropriate channels [5].

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].

来源：中国人民银行 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》，现予发布。 规定提出，收费单位、经营主体应尊重社会公众对合法支付方式的自主选择权。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。 人民币现金收付及服务规定 第一条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（指人民币纸币、硬币，以下统称 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，根据《中华人民共和国中国人民银行 法》《中华人民共和国商业银行法》《中华人民共和国人民币管理条例》等法律法规，制定本规定。 第二条行政机关、事业单位、公共服务收费单位（以下统称收费单位）和经营主体、社会公众的现金收 付行为，银行业金融机构提供现金服务，适用本规定。 第三条收费单位、经营主体应尊重社会公众对合法支付方式的自主选择权。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 ...

中国人民银行12月19日消息，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，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，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》，自2026年2 月1日起施行。 图片来源：中国人民银行网站 尊重社会公众 对合法支付方式的自主选择权 基于分类管理和普遍适用的原则，规定提出了保障现金支付的基本要求，主要包括五方面： 采取人工方式收款、提供面对面服务以及线上预约、交易，线下完成服务或货物交付，具备当面收款条件的，应支持现金支付，保持合理的零钱 备付。 采取无人值守、机具设备等自助服务模式，以及采用"一卡通"结算、进行统一管理的园区、厂区、景区、学校等场所，经营主体应在醒目位置标 识支付方式，现金收取转换方式及服务联系电话。 全部交易、支付、服务均通过网络完成的，收费单位、经营主体应提前公示支付方式，充分尊重公众的知情权和选择权。 收费单位、经营主体委托其他单位代为收款的，委托方应当通过协议、通知、声明等书面形式，要求受托方接受现金。 收费单位推广数字政务，经营主体开展商业模式创新，应充分考虑公众使 ...

随着我国移动支付的普及，使用现金的比例在逐年下降。据央行数据显示，2024年中国非现金支付比例已达到87.3%，比2020年提高了16.5个百分点。然 而，在农村地区和老年人群体中，现金仍然是重要的支付方式。2025年第一季度的调查显示，60岁以上人群中有67.2%仍然将现金作为日常主要支付工具， 农村地区现金使用率也维持在52.8%的较高水平。 不过，在现金正常的使用过程中，纸币难免会出现不同程度的损毁情况。据央行清分中心2024年统计数据，每年约有37亿张纸币因损毁而被回收，占流通纸 币总量的近3%。而有业内人士提醒：如果家里有这两种受损纸币的，要尽快去银行兑换，避免后续有麻烦。让我们一起来了解一下： 第一，用透明胶带粘起来的纸币 在现实生活中，有些纸币在破损之后，很多人会习惯性地用透明胶带将其粘合，这样就可以继续使用。数据显示：2024年全国银行网点每天平均接收粘贴修 补纸币约28.6万张，占到兑换业务总量的15.7%。不过，现在央行对回收破损纸币的要求也在不断提高。从2025年6月1日起，多家银行已开始执行更严格的 粘贴纸币受理标准，粘贴面积超过纸币面积30%的纸币将直接被拒收。 所以，如果你手里有用 ...

当2025年你依旧使用现金支付. 当2025年你依旧使用现金支付. 当2025年你依旧使用现金支付. 特别声明：以上文章内容仅代表作者本人观点，不代表新浪网观点或立场。如有关于作品内容、版权或其它问 题请于作品发表后的30日内与新浪网联系。 ...