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Notice by the People's Bank of China of Conducting the Pilot Program on Large-Sum Cash Management [Effective]
中国人民银行关于开展大额现金管理试点的通知 [现行有效]
【法宝引证码】

Notice by the People's Bank of China of Conducting the Pilot Program on Large-Sum Cash Management 

中国人民银行关于开展大额现金管理试点的通知

(No. 105 [2020] of the People's Bank of China) (银发[2020]105号)

The Shijiazhuang Central Sub-branch, Hangzhou Central Sub-branch and Shenzhen Central Sub-branch of the People's Bank of China (“PBC”); all state-owned commercial banks and joint-stock commercial banks, and Postal Savings Bank of China: 中国人民银行石家庄中心支行、杭州中心支行、深圳市中心支行;各国有商业银行、股份制商业银行,中国邮政储蓄银行:
For the purposes of thoroughly implementing the decisions and arrangements of the CPC Central Committee and the State Council and promoting large-sum cash management, in accordance with the Law of the People's Republic of China on the People's Bank of China, the Interim Regulation on Cash Management and other laws and regulations, the PBC has decided to conduct the pilot program on large-sum cash management in Hebei Province, Zhejiang Province and Shenzhen City. You are hereby notified of the relevant matters as follows: 为深入贯彻落实党中央、国务院决策部署,推进大额现金管理工作,依据《中华人民共和国中国人民银行法》《现金管理暂行条例》等法律法规,人民银行决定在河北省、浙江省、深圳市开展大额现金管理试点。现将有关事项通知如下:
I. Significance of the pilot program   一、试点意义
Diversified payment systems have been developing rapidly in recent years. For the purposes of building a harmonious circulation environment, reducing the total cash circulation cost of the society and preventing and controlling risks, it is necessary to strengthen large-sum cash management, improve cash services, and strengthen the guidance of large-sum cash use by the public. In light of different economic and financial situations in different regions, conducting the pilot program in some regions is an effective way to promote large-sum cash management under the current situation, is conducive to verifying the best operation plan under the premise of risk control, gradually promoting the concept of reasonable cash use, and laying the foundation for the establishment of a long-term mechanism for large-sum cash management. 近年来,多元化支付体系快速发展。为构建和谐流通环境,降低社会现金流通总成本并防控风险,有必要强化大额现金管理,提高现金服务水平,加强公众大额用现引导。鉴于各地经济金融情况各异,部分地区先行先试是当前形势下推进大额现金管理的有效路径,有助于在控制风险的前提下验证最佳的操作方案,逐步推广合理用现理念,为建立大额现金管理长效机制奠定基础。
II. Overall arrangements   二、总体安排
The pilot program shall be conducted for a period of two years, from Hebei Province to Zhejiang Province and Shenzhen City. 试点为期2年,先在河北省开展,再推广至浙江省、深圳市。
1. Implementation period (before the end of June in 2021). The Shijiazhuang Central Sub-branch, Hangzhou Central Sub-branch and Shenzhen Central Sub-branch of the PBC (hereinafter collectively referred to as “pilot banks”) and banking financial institutions shall carry out all kinds of pilot work in a coordinated way in accordance with the Plan for the Pilot Program on Large-Sum Cash Management (see the Annex). Before the end of June in 2020, pilot banks and banking financial institutions shall make business preparations, the Shijiazhuang Central Sub-branch of the PBC and banking financial institutions in Hebei Province shall make good preparations for the interface of the large-sum cash management information system (interface specifications will be sent separately). From July in 2020, Hebei Province shall conduct the pilot program. Before the end of September in 2020, the Hangzhou Central Sub-branch and Shenzhen Central Sub-branch of the PBC, as well as banking financial institutions in Zhejiang Province and Shenzhen City shall make good preparations for the interface of the large-sum cash management information system (interface specifications will be sent separately). From October in 2020, Zhejiang Province and Shenzhen City shall conduct the pilot program. (一)落地实施阶段(2021年6月底前)。人民银行石家庄中心支行、杭州中心支行、深圳市中心支行(以下统称试点行)、银行业金融机构按照《大额现金管理先行先试方案》(见附件)统筹推进试点各项工作。其中:2020年6月底前,试点行、银行业金融机构进行业务准备,人民银行石家庄中心支行、河北省银行业金融机构做好大额现金管理信息系统接口准备(接口规范另行发送);自2020年7月起,河北省开展试点;2020年9月底前,人民银行杭州中心支行、深圳市中心支行和浙江省、深圳市银行业金融机构做好大额现金管理信息系统接口准备(接口规范另行发送);自2020年10月起,浙江省、深圳市开展试点。
2. Assessment and summary period (from July in 2021 to the beginning of 2022). Pilot banks shall assess and report the information on the implementation of the pilot program in local areas. The PBC Head Office shall organize third-party assessment. (二)评估总结阶段(2021年7月至2022年初)。试点行评估上报本地试点情况。人民银行总行组织开展第三方评估。
III. Work Requirements   三、工作要求
1. Strengthening organization and leadership. (一)加强组织领导。
Large-sum cash management involves a wide range and complicated circumstances. The PBC Head Office shall establish a leading group led by the leader of the PBC, the members of which shall include the persons in charge of currency, gold and silver, anti-money laundering, legal affairs, news publicity, science and technology, payment and settlement, and other departments, to coordinate the promotion of the pilot program. Pilot banks shall establish corresponding work mechanisms to strengthen organization and leadership. 大额现金管理点多面广,情况复杂。人民银行总行成立以行领导为组长的领导小组,成员包括货币金银、反洗钱、法律、新闻宣传、科技、支付结算等部门负责人,统筹推进试点工作。试点行要建立相应工作机制,加强组织领导。
2. Specifying plans and strengthening the implementation. (二)细化方案,加强落实。
Pilot banks shall, in accordance with the Plan for the Pilot Program on Large-Sum Cash Management, develop detailed rules for the pilot program in local areas, which shall be submitted to the Head Office for examination and determination before implementation. They shall strengthen communication and coordination with the relevant local departments to jointly promote the pilot work. 试点行要根据《大额现金管理先行先试方案》制定本地试点细则,报总行审定后实施。加强与当地相关部门的沟通协调,共同推动试点工作。
All banking financial institutions shall diligently understand the requirements of the pilot program, and urge their affiliated institutions in pilot regions to carry out the pilot work according to the arrangements of pilot banks. 各银行业金融机构要认真理解试点要求,督促试点地区所属机构按照试点行部署开展试点工作。
3. Strengthening publicity and improving services. (三)加强宣传,提升服务。
Pilot banks shall, in light of the actual circumstances of the pilot program in local areas and by reference to the Interpretation of Policies on the Pilot Program of Large-Sum Cash Management (see the official website of the PBC), develop local publicity and interpretation materials and release them to the public. 试点行要结合本地试点实际情况,参考《大额现金管理先行先试政策解读》(见人民银行官方网站)制定本地宣传解读材料,向社会公布。
All banking financial institutions shall urge their affiliated institutions in pilot regions to effectively conduct the publicity work under the guidance of pilot banks, proactively direct clients to handle the business, and improve large-sum cash services. 各银行业金融机构要督促试点地区所属机构在试点行指导下做好宣传工作,积极引导客户办理业务,提升大额现金服务水平。
4. Effectively conducting information submission and management. (四)做好信息报送和管理工作。
All banking financial institutions shall cooperate in system construction, integrate and collect the data in large-sum cash business, and report information to the large-sum cash management information system of pilot banks. At the same time, they shall strengthen the entry of relevant fields of large-sum cash in the anti-money laundering report (the reporting requirements will be sent separately), and cooperate in effectively conducting large-sum cash management and anti-money laundering work. Pilot banks and banking financial institutions shall strictly manage data in large-sum cash business and strengthen the protection of personal information so as to ensure information security. 各银行业金融机构要配合开展系统建设工作,整合、归集大额现金业务数据,向试点行大额现金管理信息系统报送信息。同时强化反洗钱报送中大额现金相关字段填报(填报要求另行发送),协同做好大额现金管理与反洗钱工作。试点行、银行业金融机构要严格管理大额现金业务数据信息,加强个人信息保护,确保信息安全。
5. Effectively preventing and controlling risks. (五)切实防控风险。
Pilot banks shall make local emergency response plans, strengthen monitoring and coordination as well as cash analysis and supply so as to ensure that the pilot work is conducted in a steady and orderly manner. 试点行要制定本地应急处置预案,加强监测与统筹协调,做好现金分析与现金供应工作,确保试点工作平稳有序进行。
Pilot banks shall forward this Notice to local financial institutions handling RMB cash deposits and withdrawals within their respective jurisdictions. 请试点行将本通知转发至辖区内办理人民币现金存取款业务的地方性金融机构。
Annex: Plan for the Pilot Program on Large-Sum Cash Management 附件:大额现金管理先行先试方案
The People's Bank of China 中国人民银行
May 13, 2020 2020年5月13日
Annex 附件
Plan for the Pilot Program on Large-Sum Cash Management 大额现金管理先行先试方案
For the purposes of thoroughly implementing the decisions and arrangements of the CPC Central Committee and the State Council, promoting large-sum cash management, mastering the rules of large-sum cash circulation and use, exploring the channels for large-sum cash management, and summarizing the experience in large-sum cash management, this Plan is developed in accordance with the Law of the People's Republic of China on the People's Bank of China, the Interim Regulation on Cash Management and other laws and regulations to conduct the pilot program on large-sum cash management in Hebei Province, Zhejiang Province and Shenzhen City.
......
 为深入贯彻落实党中央、国务院决策部署,推进大额现金管理工作,把握大额现金流通使用规律,探索大额现金管理实现路径,总结大额现金管理经验,依据《中华人民共和国中国人民银行法》《现金管理暂行条例》等法律法规,在河北省、浙江省、深圳市开展大额现金管理先行先试,制定本方案。
......

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