Legal basis: Article 11 of the Guiding Opinions on Establishing and Perfecting the System of Joint Encouragement and Joint Punishment for Trustworthiness to Accelerate the Construction of Social Integrity strengthens the market restraint and punishment for dishonesty. For serious untrustworthy subjects, relevant departments and institutions should use the unified social credit code as the index to disclose relevant information in time, so as to facilitate the market to identify untrustworthy behaviors and prevent credit risks. Supervise relevant enterprises and individuals to fulfill their legal obligations, and implement measures such as restricting the exit of serious untrustworthy subjects who have the ability to perform but refuse to perform, restricting the purchase of real estate, taking airplanes, taking high-level trains and seats, traveling and vacationing, and staying in hotels with stars or above. Support credit reporting agencies to collect serious untrustworthy information and include it in credit records and credit reports. Guide commercial banks, securities and futures institutions, insurance companies and other financial institutions to increase loan interest rates and property insurance rates for serious untrustworthy subjects in accordance with the principle of risk pricing, or restrict the provision of loans, sponsorship, underwriting, insurance and other services to them.