China will introduce a blacklist system to ensure implementation¹ of its policy on social insurance funds, according to a draft by the Ministry² of Human Resources and Social Security.

人力资源与社会保障部近日起草的意见稿显示，我国将引入黑名单制度以确保社保基金政策的实施。

China's social insurance system consists of five mandatory³ insurance plans -- pension fund, medical insurance, industrial injury insurance, unemployment insurance and maternity⁴ insurance, as well as a housing provident⁵ fund.

我国的社保制度由“五险一金”组成。“五险”指的是五种强制保险计划：养老保险、医疗保险、工伤保险、失业保险和生育保险，“一金”指的是住房公积金。

According to the draft regulation, authorities will blacklist individuals or companies found to have engaged in misconduct, such as failure to pay social insurance, social insurance fraud through forgery⁶ of certification materials, and illegally selling personal data related to social insurance.

根据意见稿的规定，个人或用人单位如被发现有未参加社会保险、伪造证明材料骗取社会保险待遇、非法出售社会保险相关个人数据等不端行为，将被有关部门列入黑名单。

Once placed on the social credit blacklist, individuals or companies will face restrictions⁷ on a broad range of activities, including transportation⁸, bidding, applications for production licenses⁹, financing loans, market access and tax incentives¹⁰.

被列入社会信用黑名单的个人和用人单位将面临交通出行、招投标、申请生产许可、融资贷款、市场许可和税收优惠等多个方面的限制。

The blacklist will be effective for less than five years and be updated regularly.

该黑名单惩戒期限不超过5年，并且会定期更新。

Zhang Yinghua, a social insurance researcher at the Chinese Academy of Social Sciences, said the blacklist mechanism¹¹ will help ensure fairness and justice.

中国社会科学院社会保险研究员张盈华表示，黑名单机制将有助于确保公平公正。

Employers must realize that paying in full and on time is essential for protecting the rights and interests of employees, and it is the social responsibility of enterprises, Zhang said.

张盈华称，用人单位必须认识到，按时参保足额缴费对职工权益的保障很重要，是企业应尽的社会责任。