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Sources: All of the information stated in this article is based on reliable sources, and is detailed at the end of the article
What is the purpose of such a notice in the field of people's livelihood and consumption?
On April 17, according to relevant media reports, the People's Bank of China, the Ministry of Commerce and the State Administration of Foreign Exchange jointly issued a notice on further optimizing payment services in the commercial sector and improving payment convenience.
This is a requirement for merchants to do a good job of "cash reserves", targeting supermarkets and other merchants that are closely related to people's lives. This news has attracted widespread attention in society, and some people have speculated whether it means that electronic payments will be abolished.
In my opinion, this initiative is not to abolish electronic payments, but to better improve the domestic payment system and provide more convenient and secure payment services for the general public.
First of all, electronic payment is faster and more convenient in China, and the younger generation has almost become accustomed to using electronic payment methods for shopping and transactions. Electronic payments are faster and more secure.
Therefore, the state is not trying to abolish electronic payments. On the contrary, the notice issued by the state this time is for the convenience of those who are not very good at using electronic payments, such as middle-aged and elderly people and foreigners.
For middle-aged and older people, they may not be good at using electronic payments due to their age and learning ability. However, in daily life, some merchants often refuse to accept banknotes in pursuit of the convenience of collecting money and settling accounts.
This makes it very difficult for some middle-aged and elderly people to shop for more. Therefore, the three departments require merchants to reserve cash, which is also to make it more convenient for middle-aged and elderly people to shop and protect their consumer rights.
Similarly, for foreigners, it is not possible to download the electronic payment tools in the country of registration because they do not have the relevant materials and documents.
As a result, they are unable to experience the fast experience brought by electronic payment when traveling in China. Therefore, the requirement for merchants to reserve cash is also to provide convenience for foreigners, so that they can spend in China more smoothly.
In addition, the three departments jointly issued this notice to regulate the collection behavior of merchants. From a legal and human point of view, merchants should not refuse to accept banknotes for various reasons.
On the contrary, this measure is more like a "reminder" to merchants that they must not refuse to accept paper yuan, so as to protect the payment rights of all consumers.
At the same time, we also need to realize that it is always more stable to walk on two legs. We must also recognize that the diversification of payment methods is the cornerstone of ensuring the stable operation of the payment system.
Diversified payment methods, may also be able to change in the currency, now the market often pay with cash mostly the elderly, children, or foreigners from afar, most of them are not large consumption, compared to the market to implement the circulation of small cash, for the country's cash reserves is a good way.
At present, although electronic payments dominate the country, this does not mean that we can ignore the existence of paper yuan. In fact, the paper renminbi, as the country's legal tender, has an unshakable status.
In the years since the beginning of electronic payment, I believe that we have rarely seen the "Biker Party", these people have a good ability to grab passers-by's bags with one hand and snatch them directly, and live a happy life of a few days of lavish spending.
However, over the years, some social moths have suffered, electronic payment to put an end to all corruption, imagine that the market is all cash payment, a person with cash consumption, it is difficult for people not to pay attention to it.
It is electronic payment that makes all consumption behaviors "traceable", and even the consumption records of a few years ago can be checked, and now not only the monitoring has been fully covered, it can be said that the mobile phone understands yourself better, the takeaway understands your stomach, and the short video understands your eyes.
In special circumstances, such as network failures, power outages, etc., the important role of paper RMB will be more obvious.
I believe that many people can see the "pig killing plate" and "northern Myanmar fraud", and there are often various requests for help on the Internet: "I was deceived by hundreds of thousands of people on the Internet 'tea seller', and I feel that I can't get out, what should I do?"
Electronic payment is indeed convenient for many people, not only for ordinary consumers, but also for some social "moths", deceptive means can be said to be endless, they are ambushed in the network, with a criminal eye to take advantage of the opportunity.
Therefore, it is an inevitable choice to improve the domestic payment system by making electronic money and paper money go hand in hand, realizing the actual convenience of payment, rather than making electronic payment stand out.
Finally, I would like to emphasize that the notice jointly issued by the three departments is not to abolish electronic payments, but to better serve the general public and improve the domestic payment system.
While we should actively embrace electronic payment, we should also pay attention to those who are not very good at using electronic payment to protect their consumer rights.
At the same time, we must also recognize the importance of the parallel of electronic money and paper money to achieve convenience in the true sense. Only in this way can we make convenient and secure payment services accessible to all.
In short, the state requires merchants to "reserve cash", aiming to improve the domestic payment system and better serve the general public. At the same time, we also call on the majority of merchants to comply with relevant regulations, not to refuse to accept paper RMB, and to provide more convenient and safe payment services for middle-aged and elderly people, foreigners and other groups.
reference
People's Daily Online issued a notice on the 18th on April 18 - the three departments issued a notice to further optimize payment services in the commercial field
Jiemian News 4 was released on the 17th - three departments: guide convenience stores, vegetable markets, breakfast restaurants and other business entities in the field of people's livelihood to make cash reserves
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