在青藏高原东缘的红原大草原上，清晨的薄雾还裹着草原的凉意，牧民扎西已赶着膘肥体壮的牦牛赶往 活畜交易市场。不远处，一辆印着"流动银行服务车"的白色厢式车缓缓驶来，车顶的太阳能板在晨光下 格外醒目。这可不是普通的移动网点，而是中国人民银行阿坝州分行立足高原牧区实情，量身打造的特 色现金服务生态载体。 作为阿坝州唯一纯畜牧业县，2025年红原牦牛年交易量达19万头，旺季单日现金交易峰值直冲2000万 元，现金支付在高原牧区现代金融服务体系里仍有着不可替代的独特价值。 红原是川西北牧业大县，牦牛交易旺季现金需求量陡增，以往现金长距离、多频次调运，不仅耗时费 力，还存在安全风险。2023年5月，在中国人民银行四川省分行指导下，中国人民银行阿坝州分行精准 布局，在农行红原县支行设立发行基金托管库，服务范围辐射周边若尔盖、阿坝、黑水等县，更覆盖川 甘青交界地区的广大牧民，让现金供应有了"就近保障"。 立足这份牧区实情，红原县银行机构把现金服务做到牧民心坎上。每年牦牛交易旺季到来前两个月，全 县银行机构便提前启动"现金保障计划"，精准调配各面额钞票：百元大钞备足管好，保障牦牛大宗交易 当场结清；零钞小票按需配齐，满足牧民采 ...

Group 1 - The core focus of the news is on the initiatives taken by the People's Bank of China in Luoyang to enhance cash services, particularly for the food industry and rural areas, ensuring efficient cash flow and accessibility for small vendors and farmers [1][2][3] Group 2 - The food industry is identified as the economic lifeline of Luoyang, with significant daily transaction volumes and a high demand for small change, prompting the establishment of a rapid cash exchange mechanism by local banks [1] - A total of 25,000 small denomination exchange services have been provided to key market vendors, addressing over 30,000 cash exchange requests through a green channel [1] Group 3 - To tackle cash service accessibility in rural areas, six banking institutions have deployed mobile service vehicles and portable devices to provide on-site cash withdrawal and deposit services, reaching over 50,000 farmers and rural merchants [2] - The establishment of a "warm-hearted special window" for the exchange of damaged currency has led to the handling of over 50 cases, recovering more than 50,000 yuan in economic losses for citizens [2] Group 4 - Anti-counterfeiting education has been integrated into community activities, with over 10,000 residents and villagers reached through six promotional events, resulting in a noticeable decrease in counterfeit currency cases among the elderly [3] - The People's Bank of China in Luoyang aims to provide cash services that are not only efficient but also warm and recognizable, supporting local economic characteristics and enhancing the livelihood of citizens [3]

Core Viewpoint - The People's Bank of China, along with the National Development and Reform Commission and the Financial Regulatory Bureau, has issued regulations to prevent and rectify the refusal to accept cash payments, ensuring diverse payment services for the public. The regulations will take effect on February 1, 2026 [1]. Group 1: Regulations Overview - The new regulations aim to clarify the cash service obligations of various charging units, operating entities, and banking institutions, guiding them to collaboratively maintain a conducive environment for cash circulation [2]. - The regulations categorize measures based on the specific behaviors of charging units, operating entities, and commercial banks regarding cash transactions [2]. Group 2: Obligations of Charging Units and Operating Entities - Charging units and operating entities must support cash payments when they provide face-to-face services or complete transactions offline, and they should maintain reasonable change availability [3]. - For self-service models or unified management areas, clear signage regarding payment methods and cash acceptance must be displayed, and prior notice of payment methods should be provided for fully online transactions [3]. - Entities that delegate cash collection must ensure that the delegate accepts cash through written agreements, and they must consider public cash usage needs in their digital initiatives [3]. Group 3: Banking Institutions' Cash Services - Banking institutions with physical locations must handle cash deposit and withdrawal services and support cash collection for charging units [4]. - Banks are required to ensure that the number and layout of cash service points and self-service machines meet the needs of different customer groups [4]. Group 4: Enforcement and Public Rights - The regulations emphasize the public's right to report instances of cash refusal or discriminatory practices, allowing them to seek legal recourse through local branches of the People's Bank of China [4]. - The central bank will publicly disclose penalties for entities refusing cash and will enforce strict penalties for high-profile offenders [4].

Core Viewpoint - The article emphasizes the importance of the Renminbi as a legal currency in ensuring fair consumption and maintaining convenience for the public, particularly for vulnerable groups like the elderly. It highlights a campaign by CITIC Bank to promote cash acceptance and protect payment rights in the Nanchang area [1][2]. Group 1: Campaign Overview - CITIC Bank's Tongluowan branch launched a campaign titled "Rectifying Cash Refusal, Protecting Payment Rights" in the Nanchang Tongluowan business district and the Dongfang Heidelberg community [1]. - The campaign involved face-to-face interactions with local merchants to explain legal responsibilities regarding cash acceptance and encourage them to sign a "No Cash Refusal Commitment" [1][2]. - The bank provided small denomination bills and coin exchange services on-site to address the common issue of making change for merchants [1]. Group 2: Community Impact - In the Dongfang Heidelberg community, the campaign fostered a sense of community welfare, enhancing the warmth of local shops [2]. - Bank staff educated shop owners on diverse payment regulations and assisted elderly residents in recognizing counterfeit money and understanding their rights [2]. - The initiative has made cash payment channels more accessible in community shops, improving the overall consumer experience [2]. Group 3: Future Plans - CITIC Bank's Tongluowan branch plans to incorporate cash acceptance promotion into its regular operations, aiming to provide better cash services and more detailed compliance guidance [3].

Core Viewpoint - The Minsheng Bank Jinan West City Branch is implementing a "Cash Payment Channel Smooth Action" initiative to enhance cash service experiences for the public, aiming to improve accessibility and convenience in cash transactions [1][2] Group 1: Service Optimization - The branch has established a "Cash Service Publicity Area" to display regulations and standards related to cash management, ensuring transparency for customers [1] - A "Green Channel for Coin Exchange" has been set up to cater to small businesses and individual needs, providing standardized "zero wallets" and sufficient small denomination banknotes for immediate exchanges [1] - The branch has actively assisted elderly customers with damaged currency exchanges, providing personalized services and exchanging over 200 damaged banknotes [1] Group 2: Community Engagement - The bank organized a team to visit high-frequency cash flow locations such as supermarkets and markets to provide on-site coin exchange services and distribute educational materials on cash acceptance [2] - The initiative has reached over 80 merchants, facilitating nearly 10,000 yuan in coin exchanges and addressing cash change issues for local businesses [2] - A special campaign was launched to educate the community about cash usage, including a "Renminbi Knowledge Micro Classroom" to teach anti-counterfeiting techniques and the process for exchanging damaged currency [2] Group 3: Commitment to Public Welfare - The bank emphasizes the importance of cash services for public welfare and is committed to continuously optimizing service processes and enhancing educational outreach [2] - The goal is to ensure that cash services remain uninterrupted and accessible, contributing positively to the development of the real economy [2]

Core Viewpoint - The People's Bank of China Chifeng Branch is enhancing cash service quality through a "grid + mutual visits + mutual assistance" management model, aiming to meet diverse cash service needs and improve cash service precision [1][2][3] Group 1: Improvement of Cash Service Quality - The Chifeng Branch is implementing a mutual visit evaluation mechanism to enhance cash service levels, involving over 130 merchants and providing feedback to two banking institutions for service improvement by May 2025 [1] - The branch is actively organizing financial institutions to understand cash service needs in key areas, focusing on cash service demand, small denomination currency needs, and knowledge dissemination on counterfeit currency [1] Group 2: Expansion of Cash Service Coverage - The Chifeng Branch is coordinating with financial institutions to enhance the breadth of cash services through joint discussions, promotions, and resource sharing, resulting in the exchange of over 37 million yuan in small denomination currency and 17 million yuan in damaged currency from January to May 2025 [2] - The branch is strengthening cash management at bank counters to improve public satisfaction with cash usage [2] Group 3: Strengthening Cash Service Foundation - The Chifeng Branch is utilizing grid management to provide targeted cash services, including damaged currency exchange and small denomination currency exchange, through direct engagement with key merchants in the community [3] - From January to May 2025, the financial department has identified over 19,000 merchants, signed 12,800 cash acceptance commitment letters, and posted 13,000 cash payment support signs [3]

Core Viewpoint - Qingdao Bank has initiated a series of community activities to address residents' cash-related issues, enhancing financial services and optimizing cash service ecosystems [1][4][12] Group 1: Community Engagement - The "Mobile Cash Service Workstation" initiative has conducted 9 events, serving over 1,000 residents and facilitating the exchange of more than 280,000 coins and 10,000 damaged banknotes [1][4] - The activities have received widespread praise from community residents, showcasing the bank's commitment to providing accessible financial services [1][4] Group 2: Cash Exchange Services - The focus of the activities is on coin exchange services, effectively addressing the challenges faced by small merchants and residents with excess coins [4] - The initiative has successfully activated dormant coins, improving the circulation of cash within the community [4] Group 3: Damaged Currency Exchange - The bank staff provided professional identification and exchange services for damaged banknotes, ensuring compliance with the People's Bank of China's regulations [8] - Residents expressed gratitude for the service, highlighting the importance of such initiatives in preventing financial loss [8] Group 4: Financial Literacy and Awareness - The activities included educational components, distributing materials on counterfeit currency detection and legal cash handling practices [8] - Bank employees engaged with residents, particularly the elderly, to enhance their understanding of currency security and financial risk prevention [8] Group 5: Future Plans - Qingdao Bank plans to continue its community service efforts, aiming to improve customer experience and the quality of financial services [12]

Core Viewpoint - The China Bank Chongqing Branch is actively enhancing cash service levels and optimizing the cash usage environment to ensure public cash usage rights, in response to the People's Bank of China's "Yuyue Payment, Assistance for the Elderly and Farmers" campaign [1][2] Group 1: Cash Service Enhancement - The bank has prioritized the "small change bag" service, establishing a green channel for small change exchange, ensuring immediate exchange and compliance with cash circulation standards [1] - Over 90 million yuan in small denomination currency has been issued this year, with more than 90,000 "small change bags" exchanged [1] Group 2: Grid Management and Demand Matching - The bank has identified 45 cash service grid responsibility outlets, with 6 serving as lead banks for streets and towns, enhancing cash service efficiency and convenience [1] - These outlets have established direct cash service mechanisms with key units, improving merchant connections and small change services [1] Group 3: Internal Management and Public Awareness - The bank is focusing on internal management and public awareness through specialized meetings and training to ensure staff proficiency in cash service operations [2] - Various channels, including posters and online platforms, are being utilized to guide the public in understanding and using cash correctly [2]

Core Viewpoint - The article emphasizes the efforts of China Construction Bank's Changzhou branch to promote the acceptance of cash and enhance public awareness of cash payment rights, in line with the People's Bank of China's directives to maintain the legal status of the Renminbi and ensure unobstructed cash circulation [1][3]. Group 1: Cash Acceptance Promotion Activities - The bank has implemented a series of promotional activities at its branches, including the use of LED screens and informational brochures to educate customers about cash payment regulations and their rights [1]. - Targeting high-frequency cash usage scenarios such as small businesses, supermarkets, and restaurants, the bank has organized outreach efforts to provide cash handling services and promote compliance with cash payment laws [1]. Group 2: Community Engagement and Education - The bank has engaged with communities, schools, and local organizations to educate the elderly and children about cash payment knowledge through interactive and scenario-based methods [2]. - Activities such as the "Little Banker" event have been organized to teach children about the history and handling of Renminbi, fostering financial literacy from a young age [2]. Group 3: Ongoing Commitment and Future Plans - The Changzhou branch plans to continue its multi-channel and comprehensive promotional activities to enhance cash service levels and ensure the supply of various denominations, fulfilling its social responsibility in public financial education [3].

Group 1 - The core viewpoint of the articles emphasizes the importance of optimizing cash service environments to enhance customer convenience and safety in cash transactions [1][2] - The company implements innovative measures focusing on cash distribution, service management, circulation channels, and risk prevention to build an efficient, convenient, and secure cash service system [1] - The bank monitors cash demand dynamically and adjusts inventory levels accordingly to ensure sufficient daily cash supply, particularly for high-frequency cash usage sectors like dining and retail [1] Group 2 - The bank adheres to the People's Bank of China cash management standards, ensuring transparency and standardization in cash services by publicly displaying exchange standards for damaged currency and small denomination cash reserves [2] - A cash service supervision mechanism is established to maintain cash cleanliness and proper denomination pairing, ensuring that cash in circulation is clean and usable [2] - The bank has set up green service windows for elderly customers and those needing small change, providing one-on-one guidance to address the cash usage challenges faced by these groups [2] Group 3 - The bank prioritizes counterfeit prevention as a key focus, conducting training for all staff to ensure they are qualified and capable of identifying counterfeit currency [2] - A strict process for counterfeit detection is enforced, including visual inspection and tactile examination, to create a "counterfeit firewall" at service counters [2] - Community outreach activities are conducted to educate the public on counterfeit prevention, enhancing the community's ability to identify fake currency [2]