The picture shows a bank worker counting banknotes. Photo by Xinhua News Agency reporter Li Xin
The renminbi is the legal tender of the mainland, and the renminbi cash is the most basic means of payment. Despite repeated orders from the financial management department, the phenomenon of refusing to accept cash in the society still occurs from time to time. What should I do if I refuse to accept cash? Don't worry, the relevant departments will support you, support you to be domineering and defend your rights according to law!
Chinese Min min bank recently announced the penalty for refusing to accept RMB cash, and in 2021, a total of 212 cases of refusal to accept cash were verified nationwide, of which parking lots, living expenses, and insurance companies were the mainstays. In the fourth quarter of last year, for example, 10 of the 32 units that were penalized and exposed refused to accept cash were because they refused to allow the public to use RMB cash to pay parking fees.
These merchants and institutions have a misunderstanding of cash receipt and payment, and some are unwilling to collect cash based on cost control, banknote anti-counterfeiting, safety and health considerations; some have weak legal awareness and weak sense of service, and openly post "refuse to accept cash" notices.
In this regard, the People's Bank of China has intensified its rectification efforts, seriously investigated and dealt with the refusal to accept RMB, and last year gave administrative penalties to 87 cases with greater impact, and concentrated on exposing the punishment on the official website every quarter, playing a warning and deterrent role.
1
Mobile payments are so convenient
Why also guarantee cash payments?
Many people wonder: mobile payment is so convenient, why should cash payment be guaranteed?
It is true that mobile payment is convenient and efficient, but it is also limited by electronic systems, network environments, mobile terminals and so on. In the event of a system failure, power outage, and natural disasters, the important role of cash is highlighted.
In fact, although the diversification of payment methods has developed rapidly, cash demand is still strong. In 2021, the net cash investment will be 651 billion yuan, and at the end of 2021, the cash (M0) in circulation in the mainland will exceed the 9 trillion yuan mark for the first time, maintaining a stable growth momentum, and many individuals and small and micro enterprises still have a relatively solid cash demand.
At present, a considerable number of elderly people are not proficient in mobile payment, and it is difficult to enjoy the efficiency and convenience of digital yuan. At the same time, in some relatively remote or poor areas, the layout of electronic payment machines is also difficult to achieve full coverage. The use of cash is almost unlimited by the environment, scenarios, and material conditions, and does not require the application base of bank accounts and mobile phone terminals, which is crucial for specific groups such as the elderly, farmers and low-income people.
Traditional customs such as "sending red envelopes" and "paying dividends" require the use of cash, anonymous payment, instant settlement can not be separated from cash... The unique advantages of low barriers to use of cash, strong anonymity and fast payment have won the preferences of many financial consumers. On the surface, the refusal of merchants to accept cash has added trouble to consumers, but they do not know that this behavior has violated laws and regulations and violated consumers' right to choose independently.
The picture shows a farmer counting cash after delivering potatoes at the Wanli Starch Factory in Malian Township, Xiji County, Guyuan City, Ningxia. Photo by Xinhua News Agency reporter Wang Peng
2
If you encounter a cash decline
How to be domineering?
So, if you encounter cash refusal, how to be domineering?
"The renminbi is the legal tender of the mainland, and no unit or individual may refuse to accept it!" You can say this sentence with confidence, there are laws and regulations to support you.
Chinese Law on the People's Republic of China stipulates that the legal tender of the People's Republic of China is the Renminbi. No unit or individual may refuse to pay all public and private debts within the territory of the People's Republic of China in renminbi.
Fan Yifei, vice president of the Chinese People's Bank of China, clearly pointed out at a forum on RMB cash services for banking financial institutions jointly held by the People's Bank of China and the Banking and Insurance Regulatory Commission a few days ago that all relevant parties should work together to form a sustained and efficient long-term mechanism for rectifying the refusal to accept RMB cash. In the next step, the People's Bank of China will carry out activities such as knowledge publicity, secret visits and investigations, and combine the rectification of refusal to accept RMB cash with the construction of civilized cities, the optimization of the business environment, and social governance.
3
In addition to the domineering back
Consumers should protect their rights in accordance with the law
Chinese Min Bank issued a notice in December 2020 that any unit or individual who refuses to accept cash or takes discriminatory measures to exclude cash payment and other violations of laws and regulations will be investigated and dealt with by the branches of Chinese Min Bank in conjunction with relevant local departments in accordance with law.
At present, the People's Bank of China has clarified its policy standards, formulated and issued guidelines for the receipt and payment of RMB cash in view of the complexity of the scenario, the large number of subjects, and the large difference in the public's understanding of cash refusal, and improved the penalty standards for violations. The People's Bank of China will punish and expose those who refuse to accept RMB cash in accordance with the law, effectively protect the legitimate rights and interests of consumers, and safeguard the legal status of RMB.
Experts suggest that when refusing to accept or taking discriminatory measures to exclude cash, consumers can properly retain the corresponding evidence or clues, and complain and report through the urban government affairs hotline, consumer rights protection, financial consumer rights protection and other channels.
Protect your own rights and interests, let's say "no" to the refusal to accept cash!
Source: Daily Gansu / If there is infringement contact author delete