人民币是我国的法定货币，人民币现金作为最基础的支付工具，在服务实体经济、实现普惠金融、维护金融稳定等方面发挥着重要兜底作用。近年来，尽 管"拒收现金违法"的观念已逐渐深入人心，相关投诉显著减少，但是经营主体收现意愿下降具有一定普遍性、趋势性，拒收现金行为仍难完全杜绝。为 此，中国已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》（以下简称《规定》），构建多元支付方式共同发展下的现金便利 流通环境。该规定于12月公布，并将于2月1日起正式施行。 针对不同支付场景，《规定》提出明确要求：对于采取人工方式收款、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；同时，值得强调的是，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。此外，如果全部交易、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 ...

Core Viewpoint - The People's Bank of China and other departments have issued new regulations to prevent and address the refusal of cash payments, aiming to create a conducive environment for cash circulation 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 must not be refused unless legally mandated to use non-cash payment methods [1]. - It is prohibited to induce or require others to refuse cash payments or to 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 [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 coordinating timely responses [2].

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][2]. Group 1: Regulations Overview - The new regulations clarify the cash service obligations of various charging units, operating entities, and banking financial institutions [1]. - It is prohibited to refuse cash payments, induce others to refuse cash, or implement discriminatory measures against cash payments, except in cases mandated by laws or regulations [1]. Group 2: Implementation and Considerations - The regulations categorize measures based on different fields and scenarios, requiring clear signage of payment methods and cash service contact information in self-service modes and managed areas like parks and schools [2]. - Special consideration is given to the needs of elderly individuals, disabled persons, and foreign visitors regarding cash transactions [2]. - Banks are required to establish emergency cash service mechanisms to ensure cash supply and optimize service for special groups during unexpected situations [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 rights protection and financial consumer rights protection [2].