在数字支付快速普及的今天，移动支付、扫码支付等无现金方式极大提升了交易效率与生活便利。然而，保障现金收付的便利性依然具有不可替代的重要意义。首先，我国仍有相当一部分老年人、残障人士及偏远地区居民不熟悉或无法使用智能设备，现金是他们日常消费的主要甚至唯一手段。其次，现金作为法定货币，具有匿名性、即时性和普遍接受性，在应急救灾、网络中断或系统故障等特殊情况下，是保障社会基本运转的‘安全网’。此外，强制拒收现金不仅侵犯消费者选择权，也违反《中华人民共和国人民币管理条例》。因此，推动数字支付发展的同时，必须坚持现金与非现金支付并行共存，尊重公众支付选择权，维护金融包容性与社会公平。中国人民银行等监管部门已多次强调整治拒收现金行为，确保现金流通渠道畅通，让技术进步真正惠及全体人民。
While digital payments—such as mobile and QR code-based transactions—have greatly enhanced transaction efficiency and convenience, ensuring easy access to cash remains critically important. First, a significant portion of the population, including older adults, people with disabilities, and residents in remote areas, still rely on cash as their primary or only means of payment due to limited access to or familiarity with digital devices. Second, cash—as legal tender—offers anonymity, immediacy, and universal acceptance, serving as a vital ‘safety net’ during emergencies, natural disasters, or system outages when digital networks fail. Moreover, refusing to accept cash not only infringes on consumers’ right to choose their payment method but also violates China’s Renminbi Management Regulations. Therefore, while advancing digital payment adoption, it is essential to maintain coexistence between cash and non-cash payment systems, respect public choice, and uphold financial inclusion and social equity. The People’s Bank of China and other regulators have repeatedly emphasized cracking down on cash refusal to ensure smooth cash circulation and ensure that technological progress benefits everyone.
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