[社会] 谢绝现金？只接受手机支付系违法（双语）

　　北师大珠海分校一家面馆只接受手机支付而 " 谢绝现金 " 的事件被媒体报道后，人民银行珠海市中心支行迅速派人赴现场调查并督促涉事面馆整改，目前该面馆撤下了 " 谢绝现金 " 的告示并已经接受现金付款。人行珠海市中心支行相关人士表示，" 谢绝现金 " 的做法属于拒收人民币情形，是一种违法行为。

　　A restaurant in Zhuhai which only accepted mobile payment has been asked to change. Why did the restaurant make such decisions? What’s wrong with that decision?

　　首先，我们先来了解一下事情的起因

　　1.E-payment only restaurant

　　位于北师大珠海分校的这家面馆从今年开业以来就只接受电子支付，谢绝现金以及刷卡结账。

　　The noodle restaurant is located near the branch school of Beijing Normal University in Zhuhai, south China’s Guangdong Province. Since it opened in the beginning of this year, the restaurant only accept e-payment, and refused to accept cash and bank card payment.

　　这家餐厅没有正规的菜单，没有收银员，更没有款台。如果要在面馆吃饭，就必须有智能手机。虽然没有菜单，但是顾客可以从墙上看到菜品和面条的介绍以及价格，并附有二维码。在二维码旁边明确标注“不接收现金支付”。

　　There was no menu, cashier or cashier desk in the restaurant. If you want to dine here, you must have a smartphone. But customers can find introduction and price tag of different kinds of noodles on the wall, with a QR code. And there’s a notice besides the QR code saying “No cash in the restaurant”.

　　客人在选好食物之后，需用微信“扫一扫”来扫描二维码。随后在微信上会显示出点单页面，顾客需在手机上完成支付。

　　After you choose the food, you need to scan the QR code on your wechat. Then the ordering page of the restaurant will appear on the phone, just choose the food, and pay on your mobile phone.

　　虽然这样的支付方式似乎更加便捷，来面馆吃饭的师生只需带上手机即可。然而，就是披着这种更加便捷的“新外衣”，餐厅似乎已经涉嫌违法。

　　那么，究竟为什么餐厅要拒绝现金，推崇电子支付呢？

　　2.Why is that?

　　首先，电子支付越来越普及。餐厅员工表示，面馆老板认为电子支付方式的普及度越来越高，尤其是在大学校园里。超过90%的大学生都持有智能手机，并十分乐意使用移动网络和电子支付。所以，他们才决定开设一间“谢绝现金”的餐厅。

　　More people use e-payment: Employees of the restaurant said the owner thought young people have got used to e-payment, especially in university. And over 90% of young university students have smartphone, and are willing to use mobile internet and e-payment, so the boss decided to open the “No cash” restaurant.

　　其次，谢绝现金，就是出于对餐厅的资产安全考虑。餐厅所有的交易都通过电子支付完成，这样一来，没有员工有机会做手脚，老板也不用担心员工偷拿餐厅收入。

　　Safe money: Since all the money is collected through e-payment, no employees can get in touch with the money. Therefore, the boss doesn’t need to worry about whether the employees may steal the money or not.

　　电子支付还可以节省人工成本。首先省去了收银员这一职位。不光如此，餐厅服务员也不用协助顾客点单。餐厅员工只需要接单，制作食物，并端给顾客即可。如此一来，餐厅可以节省一大笔人工成本。

　　Lower personnel cost: There’s no cashier in the restaurant, and no waiter serving the customers while ordering the dish. The employee of the restaurants only need to receive the order, make the dish, and take the dish to customers. This can save a lot of personnel cost.

　　最后，餐厅表示只接受电子支付可以使餐厅就餐环境更加干净卫生。无论纸币还是硬币，其实都携带了大量细菌。如果在就餐前触摸现金，并且忘记洗手，则会危害顾客健康。

　　Clean environment: Both paper money and coins are not clean. They carry a lot of bacteria. If you touch the money before eating, and forget to wash your hands, it will not be good to your health.

　　即使餐厅方面可以列举出一大堆合理原因，但银行方面表示“谢绝现金”这一做法已经涉及违法，并需要彻底改进。

　　3.The Restaurant is asked to change

　　6 月 17 日媒体报道了该事件后，中国人民银行相关领导看到报道，并给予高度关注；人民银行珠海市中心支行迅速派员赴现场进行调查并督促涉事面馆整改。目前该面馆已撤下 " 谢绝现金 " 的温馨提示，并接受用餐者现金付款的方式。

　　After Guangzhou Daily reported the e-payment only restaurant on June 17, 2016, the Zhuhai branch bank of People’s Bank of China sent staff to investigate that and urged the involved restaurant to correct that. Now the restaurant has taken the “No cash” notice off, and started to accept cash payment.

　　银行相关人员表示“谢绝现金”就代表着拒收“人民币”，这就已经违反了《中国人民银行法》、《人民币管理条例》的相关规定 " 中华人民共和国的法定货币是人民币。以人民币支付中华人民共和国境内的一切公共的和私人的债务，任何单位和个人不得拒收 "

　　拒收人民币同样也侵害了消费者权益。

　　People working in the bank explained that refusing to accept cash also means they’re refusing the Renminbi, which was against the law. And refusing to accept cash also infringe consumers' right.

　　到底整改“谢绝现金”这种行为是好是坏？

　　4.Good or not?

　　支持电子支付的一方表示，单从“更便捷”这一角度考虑，许多网民表示无法理解有关部门的整改举动。他们认为如今电子支付越来越先进，许多人早已选择不带现金出门了。

　　所以从消费者角度来看，智能手机的电子支付是更加便捷的。顾客无需收集琐碎的零钱，更减少了交易中发生错误的可能。

　　而从餐厅角度来看，电子支付可以大大节约成本，更方便结算，所以也是利大于弊的。

　　For—convenient: Many netizens said they cannot understand. They argued that as e-payment becomes more and more popular, many young people don’t take cash with them when they go out. For customers, it’s convenient to pay by mobile phone. They don’t need to receive small changes, and there’s a smaller possibility to make mistakes. It’s also very convenient for the restaurant, since it can save cost, and calculate the money easily.

　　从权力角度来看，银行表示顾客有权选择以何种方式支付，那餐厅何尝不是有自己的经营策略和特定目标的消费群体呢？他们完全有权力决定如何进行结算。既然餐厅已经明确表示顾客可以自由决定，那么又何来侵犯消费者权力一说呢？

　　For—restaurant has the right: Consumers have the right to choose the way to pay, but the restaurant also has its target customers and way of operation. It has the right to decide how to receive the payment. And the restaurant has informed the customers its decision since it opened, so why should it be regarded as infringing consumers’ rights?

　　而对于银行早前给出的说法，所谓“拒绝现金=拒绝人民币”，广大网友更是无法认同了。难道电子支付是花美元吗？电子支付也是人民币交易，那何来的违法呢？

　　广东的一名律师表示，电子支付，无论是通过微信或是云支付，都只是借助第三方支付平台。虽然是另一种方式，但它仍是人民币之间的交易与结算。举例来说，公司之间的金钱交易是通过银行而非现金完成的。网民更表示，网上购物和校园食堂其实都只接受电子支付，但这些都是合法的。只要餐厅有事先告知顾客，就不涉及违法行为。

　　For—E-payment also uses Renminbi: Netizens don’t agree that refusing cash equals to refusing RMB. E-payment also uses RMB, it’s not illegal. Sun Cheng, a lawyer in Guangdong said e-payment by using wechat or Alipay only means it’s using the third party to transferthe money. But it’s still paying by RMB, just in another way of collecting the money. For example, the money transfer between companiesdoesn’t involve cash, instead the two sides use the bank to transfer. And netizens argued that online shopping or payment in campus canteenmay also use e-payment only, which are not illegal, either. As long as the restaurant informs that in advance, and customers accept that, it’s not illegal.

　　但是反对纯电子支付的一方表示：这一行为本身限制了消费者的选择，无论是现金还是刷卡或是电子支付结账，都是消费者的自由。

　　Against—restaurant cannot limit consumer: While some netizens said a seller cannot restrict consumers’ way of payment. It’s consumers’ freedom and right, which cannot be restricted by sellers.

　　另外，就像之前提到的，这一行为也违反了相关法律。

　　Against the law: According to China’s Regulation on the Administration of RenminbiArticle 3: 以人民币支付我国境内的一切公共的和私人的债务，任何单位和个人不得拒收。

　　最后，有人建议，既然商家提倡电子支付， 他们可以对主动使用电子支付的顾客提供一定的优惠和奖励。比如，使用电子支付可以获得一枚图章，而当图章数量达到一定数值是，可以兑换菜品。

　　Suggestions: Since the owner wants to promote e-payment, he could give some incentive to those who use it. For example, you can get a stamp if you use e-payment. And you can use the stamps to trade for some dishes after you collect a certain number of stamps.

　　这一问题如今还是众说纷纭，不知道你站在哪一方呢？

　　Which side would you choose in this argument?

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