新华社北京12月19日电（记者任军、吴雨）尽管"拒收现金违法"观念已深入人心，但拒收现金行为 仍难以杜绝。12月19日，中国人民银行等三部门对外发布《人民币现金收付及服务规定》，进一步防范 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。规定将自2026年2月1 日起施行。 记者从中国人民银行了解到，当前，全国拒收现金有关投诉显著减少，但经营主体收现意愿下降具 有一定普遍性、趋势性，拒收现金行为难以杜绝。为防范和整治拒收人民币现金行为，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》，进一步明确了各类收费单 位、经营主体以及银行业金融机构的现金服务义务。 此外，充分考虑老年人、残障人士、境外人士办理现金业务的需求和习惯。规定还指出，银行需建 立现金服务应急保障机制，针对突发情况及特殊群体的现金需求，保障现金供应、优化窗口服务、维护 营业网点秩序。 如果遇到现金支付不畅问题如何处置？中国人民银行有关负责人表示，遭遇拒收现金，或者采取歧 视性措施排斥现金时，公众可妥善保留相应的证据或线索，通过城市政务热线、消费者权益保护、金融 消费权益保护等各种渠道进行投诉 ...

Group 1 - The core viewpoint of the articles highlights the efforts of Industrial Bank in Harbin to enhance cash services for foreign clients and local merchants, particularly through the introduction of the "零钱包" service and improved cash management practices [1][2] - The bank has strengthened cash supply management by ensuring sufficient small denomination currency is available at branches, addressing the cash needs of both foreign visitors and local businesses [1] - Innovative service models have been introduced, such as a dedicated "零钱包" for taxi drivers to solve the "change difficulty" issue, enhancing customer experience and operational efficiency [1] Group 2 - To address language barriers for foreign clients, the bank has implemented dual support measures, including the provision of foreign language service specialists and translation devices at branches [2] - The bank has simplified account opening processes and provided bilingual materials to help foreign clients better understand policies and services, aiming to reduce their waiting time and improve overall satisfaction [2]

Core Viewpoint - The importance of cash services remains significant in the financial system despite the rise of digital payments, with initiatives like the "零钱包" service enhancing cash circulation and community engagement [1][2] Group 1: Service Promotion - Minsheng Bank's Jinan Shanda Road Micro Community Branch has launched a "零钱包" exchange service to optimize the cash circulation environment [1] - The branch conducted specialized training and prepared promotional materials for the "零钱包" service [1] - Community micro-salon activities were organized to educate residents, particularly the elderly, about the "零钱包" service, receiving positive feedback for its practicality [1] Group 2: Community Engagement - The promotional team visited local supermarkets, convenience stores, and markets to provide on-site "零钱包" exchange services [2] - Alongside the exchange service, the team educated merchants on cash payment practices, including the importance of accepting cash and recognizing counterfeit currency [2] - The initiative strengthened the relationship between customers and Minsheng Bank, receiving recognition and approval from the community [2]