本文转自【央视新闻客户端】； 本月起，《人民币现金收付及服务规定》正式施行。 新规明确，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，同时为收费单位和经营主体的现金收付行为划下了明确"红线"。新规落地后，实际效果如何？来看记者的采访。 在浙江绍兴的一处农贸市场记者看到，前来采购的顾客中老年人身影随处可见。商户们表示市场周边多为老小区，常住居民以老年人为主，现金支付的需求 也相对集中。 记者在现场注意到，不少店主都提前备足了找零现金，10元、20元、50元面额的纸币与硬币分类摆放，便于快速找零。 除了浙江绍兴，安徽多地也积极落实新规要求。记者走访发现，当地大部分街区商户都张贴了"现金服务明白卡"，醒目标注"拒收现金违法"，主动引导公众 放心使用现金。 数据显示，目前现金使用以农村地区和老年人为主，特别是县域老年人对现金依赖较强。现金收付新规的施行，有利于进一步满足老年人等特殊群体的现金 使用需求。 浙商银行运营管理部副总经理 石雪：我们也就是提供多元化的服务，针对比如说老年人，残疾人或者一些境 ...

本月起，《人民币现金收付及服务规定》正式施行。 新规明确，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，同时为 收费单位和经营主体的现金收付行为划下了明确"红线"。新规落地后，实际效果如何？来看记者的采 访。 现金收付新规施行 金融机构保障用现顺畅 记者在采访中了解到，春节前夕公众现金使用需求迎来高峰期。各地金融机构积极响应现金收付新规要 求，加大现金投放、优化服务举措，全力保障群众春节期间用现需求，让新规红利更好惠及千家万户。 在浙江绍兴的一处农贸市场记者看到，前来采购的顾客中老年人身影随处可见。商户们表示市场周边多 为老小区，常住居民以老年人为主，现金支付的需求也相对集中。 记者在现场注意到，不少店主都提前备足了找零现金，10元、20元、50元面额的纸币与硬币分类摆放， 便于快速找零。 除了浙江绍兴，安徽多地也积极落实新规要求。记者走访发现，当地大部分街区商户都张贴了"现金服 务明白卡"，醒目标注"拒收现金违法"，主动引导公众放心使用现金。 数据显示，目前现金使用以农村地区和老年人为主， ...

Core Viewpoint - The new regulations issued by the People's Bank of China, the National Development and Reform Commission, and the Financial Regulatory Bureau aim to maintain the legal status of the Renminbi, prevent the refusal of cash payments, and meet the diverse payment service needs of the public, thereby creating a conducive environment for cash circulation alongside various payment methods [1]. Summary by Relevant Sections Regulations on Cash Payment - The core objective of the new regulations is to prevent cash from being marginalized. Specific provisions have been made for different charging entities and business operators regarding cash payment behaviors [1]. - Businesses that can provide face-to-face services, such as restaurants and convenience stores, must support cash payments and ensure sufficient change is available [1]. - For self-service machines or areas with "one card" payment systems, clear signage regarding payment methods and cash conversion processes must be displayed prominently [1]. - Online service providers must publicly disclose payment methods in advance, respecting the public's right to know and choose [1]. - If a business delegates cash collection to another entity, it must do so through written agreements, ensuring that cash acceptance is mandated [1]. Requirements for Commercial Banks - Commercial banks, as key providers of cash services, are required to handle cash deposit and withdrawal services, including the exchange of damaged or old currency [3]. - Bank branches must consider the needs of special groups, such as the elderly and disabled, ensuring accessibility to cash services [3]. - Banks are responsible for ensuring that the cash they collect is clean and suitable for circulation, preventing the distribution of damaged currency [3]. Importance of Cash Payment in the Digital Age - Despite the rise of digital payments, cash remains a fundamental payment tool and a public good, particularly for rural areas and the elderly, who show a strong reliance on cash [5]. - A survey indicated that over 75% of elderly individuals frequently use cash, with 80.4% of elderly individuals in rural areas relying on it [5]. - Issues such as payment discrimination against the elderly due to their unfamiliarity with digital payments have been noted, highlighting the ongoing relevance of cash [5]. Consumer Rights and Complaints - In cases of refusal to accept cash payments, consumers are encouraged to negotiate amicably with the service provider [6]. - If negotiations fail, consumers can retain evidence and report the issue through various channels, including hotlines, for further action by the People's Bank of China and relevant authorities [6].

Core Viewpoint - The new regulations on cash payments in China aim to uphold the legal status of the Renminbi, prevent the refusal of cash payments, and meet the diverse payment service needs of the public, fostering a conducive environment for cash circulation alongside various payment methods [1] Group 1: Regulatory Framework - The People's Bank of China, the National Development and Reform Commission, and the Financial Regulatory Bureau have jointly formulated the "Regulations on Cash Payment and Services," which will take effect on February 1 [1] - The regulations are designed to address and rectify the refusal to accept Renminbi cash, ensuring that cash payment rights are protected for consumers [1] Group 2: Impact on Businesses and Banks - The new rules will impose additional requirements on merchants and banks regarding cash acceptance and payment services [1] - The regulations aim to create a balanced development of multiple payment methods while ensuring the convenience of cash transactions [1]

Core Viewpoint - The new regulations on cash payment and services aim to maintain the legal status of the Renminbi, prevent the marginalization of cash, and ensure diverse payment options for the public, effective from February 1 [1] Group 1: Regulations on Cash Payment - The new regulations require businesses that can accept cash payments in person to support cash transactions and maintain sufficient change [1] - Self-service machines and areas must clearly display payment methods and cash conversion processes [1] - Online service providers must publicly disclose payment methods in advance to respect consumer rights [1] - Entities that delegate cash collection must ensure that the appointed party accepts cash through written agreements [1] Group 2: Requirements for Commercial Banks - Commercial banks must provide cash deposit and withdrawal services, including the exchange of damaged or old currency [3] - Bank branches must consider the needs of special groups, such as the elderly and disabled, ensuring accessibility [3] - Banks are responsible for ensuring that returned cash is clean and suitable for circulation, preventing the distribution of damaged currency [3] Group 3: Importance of Cash in the Digital Age - Cash remains a fundamental payment tool, especially for rural areas and the elderly, with over 75% of seniors frequently using cash [5] - The reliance on cash is particularly high among elderly individuals in county areas, with 80.4% using cash regularly [5] - The regulations address the issue of cash discrimination, ensuring that vulnerable groups are not excluded from payment options [5] Group 4: Consumer Rights and Complaints - Consumers facing cash payment refusals should first attempt to negotiate with the service provider [6] - If negotiations fail, consumers can gather evidence and report the issue through various channels, including consumer protection hotlines [6]