A total of 4.9 million people in China have been forbidden to take airplanes for their poor credit record, a move experts say is aimed at improving the country's social credit system and the corresponding punishment system.

我国共有490万人因不良信用记录被禁止乘坐飞机。专家表示，此举旨在完善我国的社会信用体系和失信联合惩戒机制。

Lian Weiliang, deputy head of the National Development and Reform Commission, said last Tuesday that 1.65 million cannot take trains due to their credit defaults.

国家发改委副主任连维良上周二表示，165万人因信用违约而不能乘坐火车。

Lian said that China has improved its social credit system recently by assigning unified¹ social credit code to every citizen and corporation.

连维良称，通过为每位公民和企业分配统一的社会信用代码，我国社会信用体系近来已得到改善。

A nation-wide information sharing platform was set up to connect 37 government departments and it has collected more than 640 million pieces of information on credit.

我国建立了全国信息共享平台用于联通37个政府部门，该平台已归集信用信息逾6.4亿条。

The Industrial and Commercial Bank of China has rejected 2,822 loan applications and declined 210,000 credit cards applications from discredited² applicants³, according to Lian.

连维良称，中国工商银行已拒绝了失信申请人的2822笔贷款申请和21万笔信用卡申请。

Moreover, Zhima Credit, a credit service owned by China's largest online commerce company Alibaba, has restricted 511,000 discredited consumers' overdrawing⁴ behavior.

此外，中国最大的电子商务公司阿里巴巴旗下的信用服务芝麻信用，也已经限制了51万1千名失信消费者的透支行为。

Lian said that with such strict punishment, more than 400,000 discredited people have fulfilled their debt obligations voluntarily.

在如此严厉的处罚下，超过40万的失信人已自动履行了还款义务。