人民币现金收付及服务迎新规—— 记者了解到，《规定》在制定时遵循了五大基本原则，即坚持金融为民、坚持问题导向、坚持综合 施策、坚持协同治理、坚持依法惩戒。中国人民银行相关负责人表示，现金流通环境建设相关工作是人 民银行践行金融为民的基础工程，既鼓励支持支付方式的多元化发展，又注意充分发挥各种支付手段的 优势，满足公众多层次的支付需求。 针对收费单位和经营主体的现金收付行为，《规定》基于分类管理和普遍适用的原则，提出明确要 求。从支付场景看，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。 作为平时与现金打交道最密切的机构，银行业金融机构更应严格执行人民币现金管理相关法律法 规，采取措施提高现金服务质量，满足社会公众、收费单位和经营主体的需要。《规定》明确要求，吸 收个人客户人 ...

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。 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重要兜底作用。近年来，中国人民银行积极推进现金流通环境建设。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。 "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 ...

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 ...

新华财经北京12月19日电（记者翟卓）作为最基础的支付工具，人民币现金在服务实体经济、维护金融 稳定等方面具有重要的兜底作用。但随着支付方式愈发多元，部分经营主体收现意愿有所下降，致使拒 收现金的行为时有发生。 为了切实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，中国人民银行会同国家 发展改革委、金融监管总局于近日发布了《人民币现金收付及服务规定》（下称《规定》）。 业内专家表示，《规定》进一步明确了各类收费单位、经营主体及银行业金融机构的现金服务义务，有 助于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。 其实为了保障公众支付方式的选择权，中国人民银行早在2018年、2020年就发布公告，相继明确拒收现 金违法，引导各类经营主体保持现金收付服务渠道通畅；后又于2024年坚持现金兜底定位，统筹推进整 治拒收现金与优化现金使用环境工作。 "目前全国拒收现金的有关投诉已显著减少，'拒收现金违法'观念深入人心。但经营主体收现意愿的下 降也具有一定普遍性和趋势性，发挥现金兜底作用仍需要各方共识和法律保障，而这也是《规定》出台 的重要 ...

Core Viewpoint - The article discusses the efforts of China CITIC Bank's Nanchang Hongcheng Branch to uphold the legal status of the Renminbi and ensure the public's right to use cash, by conducting a campaign against the refusal of cash payments and promoting cash circulation [1][2]. Group 1: Campaign Activities - The bank has launched a comprehensive campaign in cash management areas to address the refusal of cash and promote awareness of relevant laws [1]. - Staff engaged with local communities, merchants, and residents to educate them about the legal implications of refusing cash payments and the importance of respecting cash payment rights [1][2]. - A multi-faceted promotional approach was adopted, combining online and offline methods, including setting up consultation desks, distributing brochures, and using social media platforms to disseminate information [1]. Group 2: Merchant Engagement and Compliance - Bank staff conducted thorough inspections of merchants in cash management areas to identify instances of cash refusal and provided guidance for rectification [2]. - The initiative included understanding the cash usage needs of merchants and residents, offering services such as small change and damaged currency exchanges [2]. - The campaign received positive feedback from merchants and residents, enhancing public awareness of the Renminbi's legal status and reinforcing the importance of cash payment rights [2]. Group 3: Future Plans - The bank plans to continue its efforts in combating cash refusal, improving cash management mechanisms, and increasing the frequency of promotional activities and inspections [2]. - The goal is to maintain the legal status of the Renminbi and provide high-quality, convenient cash services to the public, fostering a safe and efficient cash circulation environment [2].

Group 1 - The core viewpoint of the article emphasizes the importance of cash services and the need to rectify the refusal of cash payments, highlighting the role of CITIC Bank Nanchang Branch in promoting cash acceptance and consumer rights [1][2] - CITIC Bank Nanchang Branch has established a "cash service consultation desk" in community service centers to enhance cash service management and promote the importance of cash as legal tender [1] - The bank actively engages with merchants and the community to raise awareness about the illegality of refusing cash payments, encouraging merchants to sign commitments to accept cash and display support for cash payment signage [1][2] Group 2 - The bank has initiated a "small change exchange service" by distributing "change bags" and setting up convenient exchange points for small denominations, improving customer experience in cash transactions [1] - The ongoing campaign aims to educate the public about the legal status of the Renminbi and the consequences of refusing cash, reinforcing the bank's commitment to social responsibility and economic security [2]

Core Viewpoint - The article emphasizes the efforts of China CITIC Bank's Nanchang Hongjiao Zhou Branch to combat the refusal of cash payments, reinforcing the legal status of the Renminbi and protecting consumer rights [1][2] Group 1: Actions Taken - The Nanchang Hongjiao Zhou Branch has actively promoted a special campaign to address cash refusal, utilizing various resources for public awareness [1] - The branch has implemented face-to-face outreach with local merchants, distributing educational materials about the legal status of the Renminbi and the illegality of refusing cash [1][2] - A "change wallet" service has been introduced to assist merchants facing difficulties with cash transactions, addressing the common issue of "difficulty in making change" [1] Group 2: Customer Engagement and Training - A customer feedback mechanism has been established to collect opinions and complaints regarding cash refusal, ensuring timely investigation and response [2] - The bank has enhanced employee training and assessment, focusing on legal regulations and business knowledge to improve service quality and policy promotion [2] - The campaign has successfully increased awareness among local merchants and residents about the legal status of the Renminbi [2] Group 3: Future Plans - The Nanchang Hongjiao Zhou Branch plans to continuously innovate its promotional methods and improve cash service mechanisms to maintain the legal status of the Renminbi and consumer rights [2]

Core Viewpoint - The article discusses the efforts of Postal Savings Bank of China in Ziyang City to combat the phenomenon of cash refusal, ensuring the legal status of the Renminbi and promoting a harmonious cash circulation environment during the "May Day" holiday [1][2][3][4]. Group 1: Multi-faceted Promotion - The bank organized a series of promotional activities around the theme "Cash service for the people, refusal of cash is illegal," utilizing 181 branches to distribute promotional materials and set up consultation desks [1]. - A cash service promotion team was formed to distribute leaflets in high-frequency cash usage areas, reminding merchants to accept cash payments legally [2]. - The bank emphasized the importance of cash payments by setting up promotional points in public service centers, highlighting relevant laws and regulations [2]. Group 2: Precise Engagement - The bank established communication channels with community merchants through liaison groups, enhancing their understanding of the legal status of the Renminbi [3]. - Merchants were informed about the bank's provision of "small denomination cash reserve" services to meet their reasonable cash needs [3]. - Regular follow-ups with merchants were conducted to track cash payment situations and address issues promptly [3]. Group 3: Long-term Supervision - The bank publicly announced contact information for reporting cash refusal incidents, committing to investigate and provide feedback on such reports on the same day [4]. - A cash service archive for merchants was created, with regular checks and follow-ups to ensure compliance [4]. - The promotional activities reached over 1,000 merchants and more than 30 public service windows, distributing over 3,000 promotional materials [4].