illuviumopenworld|拒收现金理由五花八门，央行出手维护人民币法定地位

Transferred from: Xinhua News Agency

With the electronic payment in our countryIlluviumopenworldDevelopment ofIlluviumopenworldMajor changes have taken place in the cash receipt and payment environment, and the refusal to accept RMB cash occurs from time to time. On May 6, the people's Bank of China made public a number of typical cases of rejecting RMB cash. The reporter combed and found that the main body of the operator refused to accept RMB cash for a variety of reasons, but these can not be excused for rejecting behavior.

"there is no cash channel" is not a reason.

In April 2024, the Huaian Branch of the people's Bank of China imposed administrative penalties on the Huaiyin Branch of the people's property Insurance Co., Ltd. The company's business premises did not set up manual cash receipt and payment channels, and the staff replied to the customers that they did not accept cash.

Also punished was Baotou Furun Real Estate Development Co., Ltd., which did not accept cash and posted notices for deposit, area compensation and other business, and consumers were refused to pay 204 yuan in cash for housing price difference.

People related to the people's Bank of China said that all kinds of business entities should enhance their staff's awareness of abiding by the law, make it clear that "refusing to accept cash is illegal" and its legal consequences, and shall not set a threshold for cash payment or refuse cash on the grounds of "too many business links". Operators providing "face-to-face" services shall set up cash receipt and payment channels to meet cash payment needs, and shall not refuse cash by means of format terms, notices, statements, notices, etc., except where non-cash payment instruments should be used in accordance with the law.

"unfamiliar with business processes" is not a reason.

In the typical cases exposed this time, the staff of Zhangzhou Central Branch of China Ping an property Insurance Co., Ltd and Beijing Huairou Branch of China Life property Insurance Co., Ltd., all refused to pay car insurance fees in cash because they were not familiar with the business process of collecting cash. There are also individual restaurant clerks who refuse to accept cash on the grounds that they are busy preparing meals during the rush hour and have no time to collect cash.

People related to the people's Bank of China have suggested that all kinds of business entities shall not set a threshold for cash payment and should do a good job in staff training. During the normal period of business, the business entity shall smooth the channels for the use of cash and shall not take discriminatory or restrictive measures against cash.

"easy to lose" is not a reason.

In February 2024, Chifeng Branch of the people's Bank of China imposed administrative penalties on Chifeng Songshan District Branch of China Post Group Co., Ltd. The company's financial system clearly accepts cash payment, consumers send documents online, and door-to-door collection staff do not accept cash.

Relevant personages of the people's Bank of China suggest that operators who make online appointments and transactions, complete offline delivery of services or goods, and support face-to-face payment should support cash payment, and shall not refuse to accept cash on the grounds that it is easy to lose on the way.

"Business model innovation" is not a reason.

In April 2024, Wuxi Branch of the people's Bank of China imposed administrative penalties on Wuxi KFC Co., Ltd. The company is equipped with cashier equipment for the check-out breakfast car, but it cannot be used properly due to software reasons, and there is no solution for consumers to pay in cash, so they cannot receive cash.

A relevant person from the people's Bank of China said that when operators carry out business model innovation, they should fully consider the needs of the public to use cash and possible emergencies, strengthen the planning of new business type's cash receipt and payment scene, and improve internal control management and business processes to meet the needs of the public for cash payment.

"do not accept split payment" is not a reason.

In November 2023, consumers planned to pay 248 yuan in the form of "200 yuan cash plus code", but they were rejected by an administrative collection unit because they did not accept split payment.

A relevant person of the people's Bank of China said that for units that handle administrative fees by entrustment and collection, the trustee should support the manual collection of cash to meet the immediate needs of the public. When receiving cash, the combined payment method shall be supported, and the cash shall not be rejected because of split payment.

"No change" is not a reason.

In January 2024, in a parking lot, consumers paid the parking fee with 10 yuan in cash, and the attendants refused to accept cash because they could not get change.

A relevant person of the people's Bank of China said that the operator should provide sufficient change according to the business situation and should not refuse to accept cash on the grounds that it could not be changed. Cash payment should be supported for unattended parking lots, and payment methods and service contact numbers should be marked in conspicuous locations to meet the needs of consumers to pay in cash under special circumstances.

"No coins" is not an excuse.

In the case exposed by the people's Bank of China, some consumers were rejected by staff for using one-yuan coins when paying at a gas station, while consumers were rejected by staff for using dime notes when paying at a supermarket.

People related to the people's Bank of China suggest that cash includes banknotes and coins. The business entity shall support consumers to pay in cash of small denomination and shall not refuse to accept cash.

In order to strengthen the basic guarantee role of cash services, since October 2023, the people's Bank of China has carried out a special rectification work on rejecting RMB cash, and those verified as rejected RMB cash will be punished and exposed in accordance with the law. By the end of April 2024, the people's Bank of China had imposed administrative penalties on eight legal persons who refused cash, and did not punish 124 cases of cash refusal that the circumstances were minor and corrected in a timely manner, and the initial violation of the law did not cause harmful consequences. (reporter Wu Yu)