近日，中国人民银行通报了两起拒收人民币现金的典型案例，并依法对相关单位作出行政处罚。此举旨在维护人民币的法定地位，保障消费者合法权益，促进支付方式多元化发展。根据通报，两家被处罚单位在经营过程中明确拒绝接受现金支付，强制要求消费者使用电子支付方式。这种行为违反了《中华人民共和国人民币管理条例》中关于‘任何单位和个人不得拒收人民币’的规定。人民币作为我国的法定货币，具有不可拒收的法律效力。即使在移动支付高度普及的今天，现金仍是重要的支付手段，尤其对老年人、残障人士等群体而言，现金支付是其基本生活保障的重要组成部分。央行强调，鼓励非现金支付的同时，必须尊重公众的支付选择权。各类经营主体应提供包括现金在内的多种支付方式，不得以任何理由排斥或歧视现金支付。此次处罚不仅是对违法行为的惩戒，更是向社会传递‘现金与非现金支付并行不悖’的政策导向。未来，监管部门将持续加强整治拒收现金行为，优化现金流通环境，确保金融包容性与社会公平。
Recently, the People’s Bank of China (PBOC) announced two typical cases involving businesses refusing to accept cash payments in Renminbi (RMB) and imposed administrative penalties accordingly. This action aims to uphold the legal status of RMB, protect consumers’ rights, and promote a diversified payment ecosystem.According to the PBOC, the two penalized entities explicitly refused cash payments during their operations and forced customers to use digital payment methods only. Such conduct violates the ‘Regulations of the People’s Republic of China on the Administration of the Renminbi,’ which stipulates that no individual or organization may refuse to accept RMB as legal tender. Despite the widespread adoption of mobile payments, cash remains a vital payment method—especially for vulnerable groups such as the elderly and people with disabilities—who rely on it for daily necessities.The central bank emphasized that while non-cash payments are encouraged, the public’s right to choose their preferred payment method must be respected. Businesses should offer multiple payment options, including cash, and must not discriminate against or exclude cash transactions for any reason. These penalties serve not only as enforcement against violations but also as a clear policy signal that cash and digital payments should coexist harmoniously.Going forward, regulators will continue strengthening oversight to curb cash refusal practices, improve the cash circulation environment, and ensure financial inclusion and social equity.
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