Is the state going to abolish electronic payments by allowing merchants to reserve cash?

author:The old farmer talks about the three farmers

Physical currency, since the emergence of money in human society, has always accompanied every aspect of human society, supporting human life, making people's social affairs and daily life transactions simpler, more convenient and faster, and is an inseparable part of society and economy.

Currency is commonly known as "money", that is, cash, can be seen and touched in kind, in ancient times it was originally used as the currency of circulation with "shells", and later there were bronze cast "knife coins" and "shovel coins", with the progress of society, coins appeared round square hole bronze or brass cast coins, followed for thousands of years, until the Qing Dynasty.

In the Qing Dynasty, there was also a large amount of "official silver", including silver ingots, gold ingots, paper silver tickets, and in the late Qing Dynasty and early Republic of China, there were "copper plates", "silver dollars", paper money and other forms of currency.

After the founding of the People's Republic of China, five versions of the paper "renminbi" were printed in succession, and the "one cent", "two cents", and "five cents" were minted, as well as some commemorative coins and other metal coins.

Is the state going to abolish electronic payments by allowing merchants to reserve cash?

With the rapid development and progress of science and technology, in recent years, the comprehensive popularization and development of the Internet and artificial intelligence, society and life have undergone earth-shaking changes With the network virtual data, to replace the physical cash that can be seen and touched in real life, people have a mobile phone, they can settle, which greatly facilitates social affairs and the daily life of the public.

Now because the vast majority of people like to use mobile phones for economic settlement, this electronic settlement method completely replaces physical cash to settle, therefore, these people who use mobile phone settlement, whether they travel and run errands, or in daily life in terms of economic settlement, only use mobile phones to pay money, and no longer use cash.

However, some elderly people and poor people in rural areas do not have smartphones or do not know how to use smartphones, so they cannot make electronic settlements and can only use cash to settle payments.

In addition, there are many returned overseas Chinese and foreigners who come to the mainland without a domestic mobile phone number, and cannot open an account for "electronic settlement", so there is no way to make electronic settlement and payment, and can only use cash to settle and pay.

Is the state going to abolish electronic payments by allowing merchants to reserve cash?

Due to the electronic settlement and payment method, it is very convenient and fast, which can save a lot of manpower and time costs, resulting in some merchants refusing to accept cash payment in order to save operating costs.

As a result, there are some elderly people and people who carry cash, and when they pay for social affairs and daily life, there is a lot of trouble and inconvenience.

Therefore, the official bank has repeatedly issued notices and notices that no unit or individual shall refuse to receive or disburse cash in any way and for any reason in the process of settlement and payment.

On April 17, the People's Bank of China, the Ministry of Commerce, and the State Administration of Foreign Exchange jointly issued the "Notice on Further Optimizing Payment Services in the Commercial Sector and Improving the Convenience of Payment", requiring units, social groups and individuals closely related to people's livelihood to "reserve cash", which surprised many people.

Many people are asking, what is going on? Is the state about to abolish electronic payments by allowing everyone to reserve cash, especially for businesses involved in the field of people's livelihood? What does it mean to require merchants to "reserve cash"?

Is the state going to abolish electronic payments by allowing merchants to reserve cash?

In fact, there is no need to panic and anxiety at all, there is no need to worry, it is nothing more than two meanings, everyone will know it in depth.

(1) It is to strengthen the status of RMB as legal tender. Now the whole process of payment can be fully realized by using mobile phones for electronic payment, which brings tangible benefits to both parties to the payment and checkout, and simplifies the payment process.

Therefore, the society has formed a habit of mobile phone payment, and has produced a fixed trend, that is, the model, which is gradually far away from the use of cash payment, therefore, once a small number of people pay in cash, they will be rejected, unwilling to do this trouble, and refuse to use cash payment.

Although this kind of refusal to pay in cash is an isolated phenomenon, it has a very bad impact, infringing on the legitimate rights and interests of those who use cash to pay, and damaging the status of the renminbi as legal tender.

Is the state going to abolish electronic payments by allowing merchants to reserve cash?

(2) Take care of the people who use cash settlement and protect their legitimate rights and interests. Those who use RMB settlement, either do not use smart phones, or have special circumstances, or foreign friends and overseas Chinese, in the process of payment and settlement, if they refuse to settle in cash, it will seriously affect their work and life, is a manifestation of social injustice, therefore, in order to take care of these people, the official strictly prohibits the wrong behavior of refusing cash payment.

At present, especially those supermarkets, shopping malls, vegetable markets and other ordinary retail stores that are closely related to daily life and closely related, as well as individual industrial and commercial households, must reserve cash to protect the legitimate rights and interests of people who carry cash to pay, and must not refuse to accept cash.

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