I have a broken RMB entrusted to a friend to exchange, what should I do if my friend does not give i

You can file a complaint with your local People's Bank of China.

However, if the renminbi can no longer meet the conditions for replacement, the bank can refuse to convert it.

Article 3 Any financial institution that handles RMB deposit and withdrawal business (hereinafter referred to as "financial institution") shall exchange RMB for the public free of charge, and shall not refuse to do so.

Article 4 There are two cases: "full amount" and "half amount" of RMB exchange points that are mutilated or defaced.

1) If the denomination can be distinguished, the remaining three-quarters (including three-quarters) of the face value, and the design and text can be connected as it is, or if the renminbi is mutilated or defaced, the financial institution shall exchange the full amount of the original denomination to the holder.

2) If the denomination can be distinguished, the remaining one-half (including one-half) to less than three-quarters of the face value, and the design and words can be connected as it is, or if the renminbi is defaced, the financial institution shall exchange it with the holder at half of the original denomination. If a quarter of the banknote is missing in the shape of a cross, it shall be exchanged at half of the original denomination.

Article 8 Where the holder of a mutilated or defaced renminbi has any objection to the exchange result identified by the financial institution, the financial institution shall, upon the request of the holder, issue a certificate of identification and return the mutilated or defaced renminbi.

The holder may apply for appraisal at a branch of the People's Bank of China with the certification certificate, and the People's Bank of China shall make an appraisal and issue an appraisal certificate within 5 working days from the date of application. The holder can bring the certificate of appraisal from the People's Bank of China and the mutilated or defaced renminbi that can be exchanged at a financial institution.

Extended Materials. According to the Measures of the People's Bank of China for the Exchange of RMB with Defective Defacement

Article 6 When a financial institution handles the exchange of mutilated or defaced renminbi, it shall explain the results of the exchange to the holder of the mutilated or defaced renminbi. The mutilated or defaced renminbi that is not convertible shall be returned to the original holder.

Article 7 If the holder of the mutilated or defaced renminbi agrees with the results of the financial institution's identification, the financial institution shall affix the "full" or "half" stamp with the name of the Bank on the face of the exchanged mutilated or defaced renminbi banknotes; For the mutilated or defaced renminbi coins, the financial institution shall use a special bag to seal and keep them, and affix the "exchange" stamp on the seal on the outside of the bag.

Redemption status.

1. Full redemption:

1.The damage is very small, and the rest is more than 3 4;

2.Although it is broken, the pieces can be matched;

3.Defaced and scorched, but the signature, number, text pattern, etc. are recognizable.

2. Half redemption: The remaining part of the damaged coupon is more than 1 2, but not enough 3 4.

3. No exchange:

1.Fire-smoked, water-soaked, oil-stained, and dyed coupons, which cannot be distinguished from the fake;

2.The remaining part is less than 1 2;

3.Patchwork together pieces that don't fit;

4.Damaged banknotes that are not commonly used, such as sample coupons, invalid coupons, etc.

RMB is missing 1 4 convertible in full.

Go to the local People's Bank of China, the Bank of China is in charge of currency issuance.

The bank will exchange the residual currency for free.

Forget it, five yuan, it's rare to run.

Defective and defaced RMB exchange points are "full" and "half". If the denomination can be distinguished, the remaining three-quarters of the face value, and the design and text can be connected as it is, the financial institution shall exchange the full amount of the original denomination; If the denomination can be distinguished, the remaining one-half to three-quarters of the face value, and the design and text can be connected as it is, the financial institution shall exchange half of the original denomination. In addition, if the banknote is in the shape of a cross and lacks a quarter, it will be exchanged at half of the original denomination.

When a financial institution handles the exchange business of defective or defaced RMB, it shall explain the confirmed exchange result to the holder of the defective or defaced RMB; The mutilated or defaced renminbi that is not convertible shall be returned to the original holder.

Why didn't they give it up? Did you give a reason? The above can be referred to.

Try changing banks. The neighborhood committee proves that I haven't heard of it, and the general bank gives it to exchange.

If the RMB is damaged and the rejection is mainly determined by the staff of the financial institution. In particular, the residual currency that the bank does not exchange must be returned to the holder in the end.

This is because according to Article 4 of the Measures for the Exchange of Defective RMB, the exchange of mutilated and defaced RMB is divided into two situations: "full amount" and "half amount".

The first case: the denomination of the banknote can be identified, but the remaining three-quarters (including three-quarters) of the face value, and the design and text on the banknote can be connected according to the original banknote, the bank or financial institution should be exchanged in accordance with the regulations, and the value of the banknote denomination is exchanged.

In the second case, if the banknote can be denominational, but the remaining one-half to three-quarters of the face value of the banknote, if the design and text can be linked according to the original, the bank or financial institution needs to exchange half of the banknote denomination. However, if the banknote is missing a quarter in the shape of a cross, it will be exchanged for half of the original denomination.

There are also the following situations that need to be noted: if the redemption amount is less than one cent, there is no need to redeem it. If it is five cents, two cents will be given according to the exchange amount.

In particular, when a financial institution handles a mutilated or defaced renminbi, it should explain the recognized exchange result to the exchanger. If it cannot be exchanged, it is necessary to explain the reason and return the residual currency to the holder.

I see that there is such a provision in the "Regulations of the People's Republic of China on the Administration of Renminbi": [Article 3 The legal tender of the People's Republic of China is the Renminbi. No unit or individual may refuse to accept all public and private debts within the territory of the People's Republic of China in renminbi payment. Is there a contradiction with what was said upstairs?

I hope that a friend from the legal profession will explain it.

It's okay if you don't get to the word. rmb。It's just burned. You can also exchange the whole ash for half the money,. Half of 100 can be exchanged for 50

I don't think it has much to do with it, right?

Because the last time I went to the bank to change a banknote that had been trampled on, it was so badly damaged that it was missing a piece

It shouldn't matter.

As long as it's not counterfeit, it's illegal for you to refuse to accept it.

Upstairs is wrong.

As long as there are traces of fire, the bank will be very cautious and may also report it to the public security organ (because it may be obtained by looting in the fire).

If you are a private person, you can't refer to the bank's regulations, and the bank can't refuse to accept it.

This is the bank's regulation on the exchange of broken RMB:

As for the individual, the only thing that can be referred to is the "picky criteria for not suitable for circulating RMB".

1. The missing area of the banknote is more than 20 square millimeters.

2. There are more than 2 tears on the face of the banknote, the length of each place exceeds 5 mm, and the length of the tear exceeds 10 mm.

3. The face of the banknote has one of the circumstances in which the paper is soft, the ultra-wrinkle is more obvious, the decolorization, discoloration, deformation, and the anti-counterfeiting function of the ticket cannot be maintained.

4. The area of stains and scribbles on the banknote is more than 2 square centimeters; No more than 2 square centimeters, but one of the anti-counterfeiting features is obscured.

5. The coin has one of the circumstances of perforation, tearing, deformation, wear, oxidation, blurring of words, denomination numbers and patterns.

In fact, there are some banknotes in circulation that meet the criteria for obsolescence, but both parties to the transaction agree to use them, and they will continue to be in circulation.

Finally, it is advisable to explain patiently to the customer and hope that they understand.

The People's Bank of China's "Mutilation.

The Measures for the Exchange of Renminbi stipulate that if the mutilated renminbi falls under the following two circumstances, the full amount of the renminbi shall be exchanged with the bank's business department. First, the mutilated part of the ticket does not exceed one-fifth.

First, the pattern of the rest of the part

Words that can be connected as they are; The second is that the face of the ticket is defaced, scorched, wet, soaked in oil, and discolored, but it can distinguish the true from the fake, and the complete or incomplete part of the ticket does not exceed one-fifth, and the rest can be connected as it is.

If the mutilated RMB falls under the following circumstances, it can be exchanged for half amount. If the face of the ticket is more than one-fifth to one-half, and the rest of the design and text can be connected as it is, the currency can be exchanged for half of the amount to the bank's business department, but it shall not be circulated for use.

Incomplete renminbi cannot be converted under any of the following circumstances: First, more than half of the face of the ticket is mutilated;

Second, the face of the ticket is defaced, scorched, wet, and discolored, and the authenticity cannot be distinguished; The third is deliberately digging up, altering, cutting and pasting, piecing together, and peeling off one side. The incomplete renminbi that cannot be exchanged shall be recovered and destroyed by the People's Bank of China and shall not be circulated for use.

Timely damage and mutilation of RMB in market circulation, keeping RMB clean and tidy, and maintaining the country's credibility require the cooperation of all aspects of society. Whether it is an individual or an entity, if there is any damage or mutilation of RMB that is not suitable for circulation, it should not be used again or paid externally, but should be picked, glued and sorted out, and sent back to the bank or exchanged at any time.

You can exchange it at the bank, and you can exchange it back for the money you originally used to exchange

To the bank, the bank will exchange according to the degree of defect.

If the banknote is damaged and needs to be exchanged, you can go to the bank's business office and exchange it in accordance with the relevant national regulations on the exchange of damaged RMB

1. Any person who damages the renminbi under any of the following circumstances shall exchange the currency with the bank in full.

The damage to the face of the ticket does not exceed 1 4, and the rest of the pattern and text can be connected as it is;

The face of the ticket is defaced, scorched, wet, soaked in oil, and discolored, but the authenticity can be distinguished, and the integrity or damage of the ticket does not exceed 1 4, and the rest of the pattern and text can be connected as it is;

2. The face of the ticket is damaged from 1 4 to 1 2, and the rest of the pattern and text can be connected as it is; The currency shall be exchanged with the bank at half of the original denomination, and shall not be circulated for use.

3. Any damage to RMB that falls under one of the following circumstances will not be exchanged;

The face of the ticket is damaged 1 2 or more;

The face of the ticket is defaced, scorched, wet, soaked in oil, discolored, and cannot distinguish between the real and the fake;

Those who deliberately dig up, alter, cut and paste, or remove one side of the damaged renminbi that are not exchanged shall be destroyed by the People's Bank of China and shall not be circulated for use.

Generally, the missing area of the banknote is more than 20 square millimeters or more than two tears on the face of the banknote, and the length is more than 5 millimeters; One tear, the length of more than 10 mm, the wrinkle of the ticket is obvious, the bearing function of the ticket cannot be maintained, the stain on the ticket, and the scribbled area exceeds 2 square centimeters; If it does not exceed 2 square centimeters, but covers the anti-counterfeiting features, the banknotes in these four cases are not suitable for circulation, and should be exchanged at the bank outlets as soon as possible, and the bank is also obliged to exchange for the public in accordance with the regulations.

Redeem in full.

1. The damage is very small, and the remaining part is more than 3 4;

2 Although it is broken, the plate is all right.

anastomosis; 3. Fouled and scorched, but the signature, number, text, pattern, etc. are recognizable.

Half redemption. 1. The remaining part of the damaged coupon is more than 1 2, but less than 3 4.

No redemption. 1. Smoked water, oil-stained, or smeared coupons, which cannot be distinguished from the fake after identification;

2 The remaining part is not enough 1 2;

3 Patchwork together that does not match;

4. Damaged banknotes that are not commonly used, such as sample coupons, invalid coupons, etc.

The damage of the damaged banknote is suitable for the first section.

1. The second stipulates that if the suspect is deliberately damaged, the bank will not exchange it.

1. Full redemption:

1 Broken and damaged

Extremely small, the rest of the remaining part is above 3 4; dao2 is broken, back.

But the pieces can all match;

3 fouled and scorched, but signed.

Chapter numbers, text patterns, etc. are all recognizable.

2. Half Redemption:

The remaining part of the damaged coupon is more than 1 2, but not enough 3 4.

3. No exchange:

1. Smoked water, oil-stained, or smeared coupons, which cannot be distinguished from the fake after identification;

2 The remaining part is not enough 1 2;

3 Patchwork together that does not match;

4. Damaged banknotes that are not commonly used, such as sample coupons, invalid coupons, etc.

The damage of the damaged banknote is suitable for the first section.

1. The second stipulates that if the suspect is deliberately damaged, the bank will not exchange it.

Generally, it is required that at least half of the face of the bill is complete, and it can be taken to the bank to exchange the complete banknote, and each bank has a special window for RMB exchange.

No more than half of the damaged area can be exchanged at the bank, and if it is broken, it can be pasted with glue, but do not use transparent glue.

The Measures for the Exchange of Defective and Defaced RMB stipulate two basic conditions for the conversion of mutilated RMB:

First, if the denomination can be distinguished, and the remaining three-quarters (including three-quarters) of the face value, and the design and text can be connected as it is, or if the renminbi is defaced, the financial institution shall exchange the full amount of the original denomination to the holder.

Second, if the denomination can be distinguished, the remaining half (including one-half) to less than three-quarters of the face value, and the design and text can be connected as it is, the financial institution shall exchange half of the original denomination to the holder.

If the RMB is torn, it can be exchanged at the bank, and it can be exchanged in full, half or not at all, depending on the torn situation.

1. Full redemption:

1.The damage is very small, and the rest is more than 3 4;

2.Although it is broken, the pieces can be matched;

3.Defaced and scorched, but the signature, number, text pattern, etc. are recognizable.

2. Half-amount exchange:

The remaining part of the damaged coupon is more than 1 2, but not enough 3 4.

3. Non-exchangeable circumstances:

1.Fire-smoked, water-soaked, oil-stained, and dyed coupons, which cannot be distinguished from the fake;

2.The remaining part is less than 1 2;

3.Patchwork together pieces that don't fit;

4.Damaged banknotes that are not commonly used, such as sample coupons, invalid coupons, etc.

The damage of the damaged banknote is suitable for the first section.

1. The second stipulates that if the suspect is deliberately damaged, the bank will not exchange it.