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| 背面描述 | Printed in green, the reverse presents a tall multi-tiered pagoda set within a landscape vignette at right, with a large numeral 20 in the centre within an ornamental guilloche underprint. The date 1946 is inscribed at the bottom centre, flanked by decorative corner medallions repeating the value 20 in each corner. |
| 背面铭文 | 20 1946 |
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The Bank of Central China (中央中国银行 in some references, more correctly 华中银行, Huazhong Yinhang) was a Communist-administered regional bank established in 1945 to consolidate currency control across the Jianghan, Jianghuai, and Jiangnan base areas. This 1946 issue came during a period of intensifying civil conflict, when the CCP and Nationalist government were nominally observing a ceasefire while both sides aggressively expanded their financial infrastructure in contested territory.
Regional Communist-issued notes from this period were typically declared invalid in Nationalist-controlled zones, and many were destroyed during KMT military advances into central China between 1946 and 1947, which accounts for the relative scarcity of surviving examples from this issuer.