自2024年7月1日起，中国人民银行将正式实施《人民币现金收付管理新规》，旨在进一步规范现金流通秩序、提升支付便利性并维护人民币法定地位。新规明确要求各类经营主体不得拒收现金，尤其在民生、公共服务及交通出行等领域，必须保留现金支付渠道。同时，对大额现金交易加强管理，个人单笔存取超过5万元人民币需进行身份登记和用途说明，以防范洗钱、逃税等非法活动。此外，新规鼓励金融机构优化现金服务，包括增设零钞兑换窗口、改善残损币回收机制等，保障公众合理使用现金的权利。值得注意的是，新规并非限制现金使用，而是强调‘现金+电子支付’并行的多元化支付体系，确保老年人、农村居民等群体不因数字化进程而被边缘化。总体来看，此次新规体现了国家对金融安全与消费者权益的双重重视，有助于构建更加公平、包容的支付环境。
Starting July 1, 2024, the People’s Bank of China will officially implement the ‘New Regulations on RMB Cash Receipts and Payments,’ aimed at further standardizing cash circulation, enhancing payment convenience, and upholding the legal status of the renminbi (RMB). The regulations explicitly prohibit businesses from refusing cash payments, particularly in essential sectors such as public services, transportation, and daily necessities, mandating that cash payment options remain available. Additionally, stricter oversight is introduced for large cash transactions: individuals making single deposits or withdrawals exceeding RMB 50,000 must provide identification and state the purpose of the transaction to help prevent money laundering, tax evasion, and other illicit activities. The new rules also encourage financial institutions to improve cash-related services—such as offering more small-denomination exchange counters and streamlining damaged banknote redemption—to safeguard the public’s legitimate right to use cash. Importantly, these regulations do not restrict cash usage; instead, they promote a dual-track payment system that integrates both cash and digital methods, ensuring inclusivity for vulnerable groups like the elderly and rural residents who may face barriers in a fully digitized economy. Overall, the new policy reflects China’s dual commitment to financial security and consumer protection, fostering a fairer and more inclusive payment environment.
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