Say "no" to the illegal act of refusing to accept cash (financial outlook).
Non-cash payment is a development on the basis of cash, and the two should be compatible and symbiotic and harmonious
The exhibition hall refuses the public to use cash to purchase tickets, the real estate company refuses the public to use cash to pay for the purchase of parking spaces, and the school canteen refuses the public to use cash to pay ......for mealsRecently, the People's Bank of China announced the punishment of refusing to accept RMB cash (hereinafter referred to as "refusing cash") in the third quarter of this year, giving penalties ranging from 1,500 yuan to 200,000 yuan to three units that refused to accept cash in accordance with the law, and held a mobilization and deployment meeting to carry out a six-month special action to rectify the refusal of cash from October, further consolidate the consensus of the whole society on the illegal refusal of cash, and enhance the convenience of the public to use cash.
With the rise of card payment, online payment and mobile payment, many cash payment channels in residents' lives have been replaced by other payment methods. At present, China's mobile payment penetration rate has reached 86%, ranking first in the world, which is a good thing to facilitate residents' consumption and promote economic development. However, in reality, some merchants reject RMB cash payment for various reasons based on cost control and ease of management, and ...... "afraid of receiving counterfeit currency", "unable to find change" and "not accepting steel hammers".Behind the various phenomena is the small calculation of merchants who only want their own convenience and ignore the needs of consumers, and some merchants even explicitly refuse to accept cash from the public by posting announcements and standard contracts.
Refusing to accept cash may seem like a small thing, but it is a big deal. RMB cash is the national legal tender, is the most basic and fundamental payment tool, cash has irreplaceable advantages in ensuring the fairness of the public's right to pay, promoting cultural dissemination, etc., especially in response to emergencies and natural disasters. The Law of the People's Republic of China on the People's Bank of China clearly stipulates that no unit or individual may refuse to accept all public and private debts within the territory of the People's Republic of China to be paid in renminbi. The refusal to accept cash not only deprives consumers of their right to pay options, but also damages the legal tender status of the renminbi, and infringes on the legitimate rights and interests of some residents who do not use other payment methods.
Non-cash payment is a development on the basis of cash, and the two should be compatible and symbiotic and harmoniousAccording to a sample survey conducted by the People's Bank of China, about 13 percent of residents still pay mainly in cash. At present in our country about 9500 million people use smartphones, and some people do not have smartphones, and this group also needs to use cash. Most of the groups that have difficulty adapting to electronic payment quickly are the elderly, who need more care from society.
The new changes in consumption patterns and payment scenarios have posed new challenges to the rectification of cash refusal. For example, in recent years, new consumption patterns such as "contactless" have emerged, but many consumption scenarios do not consider the demand for cash receipt and payment, resulting in consumption and payment barriers for some groups, especially the elderly. At the same time, some basic public services such as medical care, travel, water, electricity and gas, as well as ordinary living and consumption fields, have gradually changed from the original "face-to-face" offline scene to online processing, and some have even canceled on-site services, resulting in inconvenience in cash payment. In addition, some merchant service staff are keen to guide customers to install apps and pay attention to mini programs, which is prone to the problem of rejecting cash payments.
The rectification of the refusal of cash is a concrete embodiment of finance for the people, which should not only encourage the development of diversified payment methods, but also give full play to the advantages of various payment means, and respect the public's right to choose to meet the public's multi-level payment needs. On the one hand, adhere to strict management and heavy penalties to increase the cost of violating the law. Illegal acts of refusing to accept cash often have a certain degree of concealment, and it is necessary to strengthen daily supervision, carry out thorough investigations through unannounced inspections and other methods, especially for those who involve public services, people's livelihood, and those with high public attention and a large scope of influence. On the other hand, we should adhere to classified management, and for the new problems and new phenomena of cash rejection, we should not only pay attention to the basic characteristics of cash rejection, but also accurately grasp its specific performance in different fields and scenarios, accurately position, classify and implement policies, and ensure actual results.
Consumers should also take action and resolutely say "no" to the illegal act of refusing to accept cash. When encountering the rejection of RMB cash payment, it is necessary to form a good social environment for jointly resisting the rejection of cash, and work together to create a good environment for the harmonious circulation of cash under diversified payment conditions.
Wu Qiuyu (People**).