破旧钱怎么换新人民币

在日常生活中，我们可能会遇到破旧钱的情况，那么如何将这些破旧钱换成新的人民币呢？这是一个值得关注的问题。

首先，需要明确的是，银行是兑换破旧钱的主要场所。如果您的换现金额比较大，尽量找个同伴一起前往。在银行柜台换新钱一般不会二次收费，但是需要您以等价的旧钱来进行兑换。

对于破旧钱的兑换标准，有着明确的规定。能识别面额，票面剩下四分之三（含四分之三）以上，其图案、文字能按原状连接的残缺、有污损的人民币，金融机构需向客户按照原面值全额兑换；能识别面额，票面剩下二分之一（含二分之一）至四分之三以下，其图案、文字能按原状连接的残缺不全、有污损人民币，金融机构需向客户按照原面值的一半兑换；钞票成正十字形缺乏四分之一的，按照原面值的一半兑换。

如果您的破旧钱存在以下情况，则可能无法兑换：票面残缺二分之一以上；票面污损、熏焦、水浸、油浸、变色，不能辨别真假者；故意挖补、涂改、剪贴拼凑、揭去一面者。

另外，如果您需要兑换的新钱金额比较大，最好提前和银行预约或者咨询银行是否有充足的新钱。一般临近年末时，银行也会多准备一些新钱用来兑换。

需要注意的是，对于不宜流通的人民币硬币也有相关标准。例如，直径、重量与标准值相差 5%，边部厚度与标准值相差 10%；人民币硬币在流通过程中因受到侵蚀，形成不可去除的污渍，单个污渍面积超过标准面积的 5%，多个污渍累计面积超过标准面积的 10%；遮盖文字、数字、图案之一，影响辨别面额或真伪；一处磨损深度 0.1mm，磨损面积超过标准面积的 5%，多处磨损深度 0.1mm，累计磨损面积超过标准面积的 10%；受损文字、数字、图案之一受损，影响辨别面额或真伪；人民币硬币在流通过程中因自然演化、火烧等原因，使币面色泽发生较大改变、图案模糊不清，或光泽度暗，影响辨别面额或真伪；人民币在流通过程中出现扭曲、弯折、凸起、凹坑或其他变形，最低面直径与最高面直径差值 1mm，整体厚度与标准边部厚度差值 1mm 等情况，都属于不宜流通的人民币硬币，可前往银行进行兑换。

总之，了解破旧钱兑换新人民币的相关规定和流程，可以帮助我们更好地处理手中的货币，保障自身的权益。

How to Exchange Old and Damaged Money for New RMB

In our daily lives, we may encounter situations where we have old and damaged money. So, how can we exchange this old and damaged money for new RMB? This is a question worth paying attention to.

Firstly, it should be made clear that banks are the main places for exchanging old and damaged money. If the amount of money you want to exchange is relatively large, it is advisable to go with a companion. Generally, there is no secondary charge for exchanging new money at the bank counter, but you need to exchange it with equivalent old money.

There are clear regulations for the exchange standards of old and damaged money. If the denomination can be identified, and more than three-quarters (including three-quarters) of the banknote remain, with the pattern and text intact and connected, the financial institution is required to exchange it for the full face value to the customer; if the denomination can be identified, and between one-half (including one-half) and less than three-quarters of the banknote remain, with the pattern and text intact and connected, the financial institution is required to exchange it for half of the face value; if the banknote is in a cross shape and lacks one-quarter, it is exchanged for half of the face value.

If your old and damaged money has the following situations, it may not be exchangeable: more than one-half of the banknote is missing; the banknote is soiled, charred, soaked in water, oil, or discolored, and the authenticity cannot be identified; it is deliberately patched, altered, cut and pasted, or a side is removed.

In addition, if the amount of new money you need to exchange is relatively large, it is best to make an appointment with the bank in advance or consult whether the bank has sufficient new money. Generally, near the end of the year, banks will prepare more new money for exchange.

It should be noted that there are also relevant standards for non-circulating RMB coins. For example, if the diameter and weight differ from the standard value by 5%, and the thickness of the edge differs from the standard value by 10%; if the RMB coin is eroded during circulation and forms an indelible stain, and the area of a single stain exceeds 5% of the standard area, and the cumulative area of multiple stains exceed 10% of the standard area; if one of the text, numbers, or patterns is covered, affecting the identification of the denomination or authenticity; if the depth of a single abrasion is 0.1mm, and the abrasion area exceeds 5% of the standard area, and for multiple abrasions, the cumulative abrasion area exceeds 10% of the standard area; if one of the damaged text, numbers, or patterns is damaged, affecting the identification of the denomination or authenticity; if the color of the coin surface changes significantly, the pattern becomes blurred, or the luster becomes dim due to natural evolution, fire, or other reasons during the circulation process of the RMB coin, affecting the identification of the denomination or authenticity; if the RMB coin is distorted, bent, protruded, pitted, or has other deformations during the circulation process, and the difference between the minimum and maximum diameters is 1mm, and the difference between the overall thickness and the standard edge thickness is 1mm, etc., all belong to non-circulating RMB coins and can be exchanged at the bank.

In conclusion, understanding the relevant regulations and processes for exchanging old and damaged money for new RMB can help us better handle the currency in our hands and protect our own rights and interests.