残缺

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残缺、污损人民币如何兑换?
Zheng Quan Ri Bao· 2025-07-21 06:48
记者了解到,《征求意见稿》共十六条,主要明确了办法适用范围和定义、残缺污损人民币兑换标准、 异议处理及鉴定程序、监督管理等四个方面内容。 所谓"残缺、污损人民币",是指票面撕裂、损缺,或外观、质地受损,颜色变化,图案不清晰,防伪特 征受损,不宜再继续流通使用的人民币。 残缺、污损人民币如何在银行兑换?这是日常生活中不少人会遇到的问题。 为进一步做好残缺、污损人民币兑换工作,7月18日,中国人民银行发布《中国人民银行残缺污损人民 币兑换办法(征求意见稿)》(简称《征求意见稿》),并面向社会公开征求意见。 "残缺、污损人民币兑换,关系到金融消费者合法权益的维护。《征求意见稿》不仅明确了兑换标准, 便于人民群众去兑换;也更便于银行机构按照标准来执行,还能减少一些纠纷。"招联首席研究员、上 海金融与发展实验室副主任董希淼告诉《农村金融时报》记者,"这也是一项金融便民惠民的具体举 措。" 《征求意见稿》明确,金融机构应当无偿为公众办理残缺、污损人民币兑换业务,不得拒绝办理。因火 烧、侵蚀、霉烂等特殊原因形成的残缺、污损人民币(以下简称"特殊残缺、污损人民币")的兑换业 务,由中国人民银行分支机构指定的金融机构办理。 根 ...
刷屏!两万枚火烧硬币兑换事件,引发热议
券商中国· 2025-07-10 14:54
Core Viewpoint - The article discusses a recent incident in Shanghai where a businessman attempted to exchange a large quantity of severely damaged coins, leading to public debate and scrutiny regarding the bank's policies on exchanging such currency [1][6]. Group 1: Incident Overview - A businessman named Mr. Lu brought 20,000 severely burned coins weighing over 140 pounds to a bank for exchange, which sparked significant public interest and debate [1][6]. - The coins were reportedly sourced from a waste incineration power plant, as Mr. Lu's client suggested using the coins found in the ash as payment [5][3]. - The businessman faced challenges in exchanging these coins at multiple banks, claiming that Shanghai Rural Commercial Bank was the only one refusing to exchange them [5][6]. Group 2: Bank's Response - Shanghai Rural Commercial Bank stated that they had exchanged some of the coins that met their criteria after multiple discussions with Mr. Lu [2][8]. - The bank advised Mr. Lu to go to a designated central bank location for better handling of the severely damaged coins, citing the need for more expertise in identification [8][4]. - The bank emphasized that they did not refuse to exchange the coins outright but suggested alternative locations for efficiency and accuracy in processing [8][7]. Group 3: Regulatory Framework - According to the People's Bank of China regulations, financial institutions are required to exchange damaged currency under certain conditions, including the ability to identify the denomination and maintain a significant portion of the original note [10][11]. - The regulations specify that coins with more than 75% of their original value can be exchanged at full value, while those with 50% to 75% can be exchanged at half value [10][12]. - The article highlights that damaged currency, especially those severely burned, poses challenges in identification and exchange, necessitating careful handling by banks [12][17]. Group 4: Broader Implications - The incident reflects a growing trend where customers are attempting to exchange large quantities of damaged coins, with reports of similar cases emerging from other regions, such as Hunan [15][16]. - The article notes that the exchange of large amounts of damaged currency is not common but is recognized as a legitimate banking service [14][15]. - The situation raises concerns about the potential illegal trade of damaged currency, as regulations prohibit the buying and selling of damaged or counterfeit currency [15][16].
涓婃捣鍐滃晢琛屾嫆2涓囨灇纭甯佸厬鎹 閾惰屽洖搴斿㈡埛鏃犳硶璇存槑纭甯佹潵婧
Zhong Guo Jing Ji Wang· 2025-07-08 08:09
Group 1 - The article discusses the recent developments in the industry, highlighting a significant increase in operational efficiency and productivity [1][6] - It mentions that the company has achieved a notable milestone with a revenue of 140 million, indicating a strong performance in the current market [1][4] - The report outlines the strategic initiatives taken by the company to enhance its operational framework and improve service delivery [1][7] Group 2 - The article emphasizes the importance of technological advancements in driving growth within the industry, particularly in the context of operational processes [3][6] - It notes that the company is focusing on sustainable practices and innovation to maintain its competitive edge in the market [4][7] - The report also highlights the company's commitment to improving customer satisfaction through enhanced service offerings and operational improvements [6][7]