What should I do if I am refused cash? Domineering reply, legal rights protection!

　　Xinhua News Agency, Beijing, February 23.

　　Xinhua News Agency reporter Wu Yu

　　RMB is my country's legal tender, and RMB cash is the most basic means of payment.

Despite repeated orders from the financial management department, the phenomenon of refusing cash in society still occurs from time to time.

What should I do if I am refused cash?

Don't worry, the relevant departments will support you, support you domineeringly and defend your rights according to law!

　　The People's Bank of China recently announced the penalties for refusing to accept RMB cash. In 2021, a total of 212 cases of refusing cash will be verified nationwide, including parking lots, living payment, and insurance companies.

Taking the fourth quarter of last year as an example, 10 of the 32 units that were fined and exposed for refusing cash were for refusing the public to use RMB cash to pay for parking fees.

　　These merchants and institutions have misunderstandings about cash receipt and payment. Some of them are unwilling to accept cash based on considerations such as cost control, banknote anti-counterfeiting, safety and hygiene, etc.; notice.

　　In this regard, the People's Bank of China has intensified its rectification efforts and conducted serious investigations on the refusal to accept RMB. Last year, it imposed administrative penalties on 87 cases that had a greater impact, and focused on the punishments on the official website every quarter as a warning. deterrent effect.

Many people have doubts: 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, and mobile terminals.

In the event of unforeseen events such as system failures, power outages, and natural disasters, the importance of cash becomes apparent.

　　In fact, despite the rapid development of the diversification of payment methods, the demand for cash is still strong.

The net cash investment in 2021 will be 651 billion yuan. At the end of 2021, my country's cash in circulation (M0) will exceed the 9 trillion yuan mark for the first time, maintaining a stable growth momentum. Many individuals and small and micro enterprises still have relatively solid cash needs.

　　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 renminbi.

At the same time, in some relatively remote or poor areas, it is difficult to achieve full coverage of electronic payment equipment.

The use of cash is almost not limited by environment, scene, and material conditions, and does not require application foundations such as bank accounts and mobile terminals. It is crucial for certain groups such as the elderly, farmers, and low-income groups.

　　Traditional customs such as "sending red envelopes" and "paying for money" require the use of cash. Anonymous payment and instant settlement are inseparable from cash... The use of cash is low, anonymity is strong, and payment is fast. These unique advantages have gained a lot of financial consumer preferences.

On the surface, the merchant's refusal to accept cash has added trouble to consumers, but they do not know that this behavior has violated the law and violated the consumer's right to choose.

　　So, how do you respond aggressively if you encounter cash rejection?

　　"Renminbi is the legal currency of our country, and no unit or individual may refuse to accept it!"

　　The People's Bank of China Law stipulates that the legal tender of the People's Republic of China is the Renminbi.

All public and private debts within the territory of the People's Republic of China shall be paid in RMB, and no unit or individual shall refuse to accept it.

　　Fan Yifei, deputy governor of the People's Bank of China, made it clear at the symposium on the work of RMB cash services in banking financial institutions jointly held by the People's Bank of China and the China Banking and Insurance Regulatory Commission. .

In the next step, the People's Bank of China will carry out activities such as knowledge publicity, unannounced visits and investigations, and combine the rectification of rejecting RMB cash with the construction of civilized cities, optimization of the business environment, and social governance.

　　In addition to domineering responses, consumers must protect their rights in accordance with the law.

　　According to the announcement issued by the People's Bank of China in December 2020, any unit or individual who refuses to accept cash or adopts discriminatory measures to exclude cash payment and other violations of laws and regulations shall be investigated and punished by the branch of the People's Bank of China together with the relevant local departments.

　　At present, the People's Bank of China has clarified the policy standards, and formulated and issued guidelines for the receipt and payment of cash in RMB to improve the penalty standards for violations in response to problems such as complex scenarios, numerous subjects, and large differences in the public's understanding of cash rejections.

The People's Bank of China will punish and expose those who are verified as rejecting RMB cash in accordance with the law, so as to effectively protect the legitimate rights and interests of consumers and maintain the legal status of RMB.

　　Experts suggest that when consumers refuse to accept cash or take discriminatory measures to exclude cash, consumers can properly retain relevant evidence or clues, and make complaints and reports through urban government hotlines, consumer rights protection, financial consumer rights protection and other channels.

　　Protect your rights and let us say "no" to cash rejection!