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日前，山東省濟南市住房和城鄉建設局就《濟南市建筑農民工工資保證金管理辦法》（以下簡稱《辦法》）向社會公開征求意見建議。《辦法》提出，推行農民工工資支付保函和保證保險，采用具有見索即付性質的獨立保函（保單），且生效后不可撤銷。

　　根據《辦法》，建設單(dan)位(wei)在(zai)申請領(ling)取工程施(shi)工許可證前，項目繳(jiao)(jiao)存(cun)單(dan)位(wei)須將工資保證金(jin)一次性全部劃轉(zhuan)到監管(guan)銀(yin)行專用(yong)賬戶(hu)，并由監管(guan)銀(yin)行向(xiang)住(zhu)房城鄉(xiang)建設主管(guan)部門提交繳(jiao)(jiao)存(cun)憑證，證明(ming)工資保證金(jin)已繳(jiao)(jiao)存(cun)。

　　工(gong)(gong)資(zi)保(bao)證金(jin)實行差(cha)異化繳(jiao)存和(he)動(dong)態管理。2年內未發(fa)生農民(min)(min)工(gong)(gong)工(gong)(gong)資(zi)拖(tuo)(tuo)欠(qian)問題(ti)的(de)(de)繳(jiao)存單位，其(qi)新項目按工(gong)(gong)程合同(tong)總(zong)(zong)造價(jia)0.5%的(de)(de)比(bi)例繳(jiao)存工(gong)(gong)資(zi)保(bao)證金(jin)。落實農民(min)(min)工(gong)(gong)實名制管理、通過工(gong)(gong)資(zi)專用(yong)賬戶以銀行代發(fa)形式直接向農民(min)(min)工(gong)(gong)支付工(gong)(gong)資(zi)等制度，且2年內未發(fa)生農民(min)(min)工(gong)(gong)工(gong)(gong)資(zi)拖(tuo)(tuo)欠(qian)問題(ti)，根(gen)據全市建(jian)筑(zhu)(zhu)市場(chang)信用(yong)評(ping)價(jia)結果，被評(ping)為(wei)AAA級(ji)(ji)的(de)(de)可申請免繳(jiao)工(gong)(gong)資(zi)保(bao)證金(jin)，被評(ping)為(wei)B級(ji)(ji)以及被列入建(jian)筑(zhu)(zhu)市場(chang)主體“黑名單”的(de)(de)按工(gong)(gong)程合同(tong)總(zong)(zong)造價(jia)2%的(de)(de)比(bi)例繳(jiao)存。

　　《辦(ban)法》提(ti)出，繳存單(dan)位(wei)可在監(jian)管銀行開立相應金(jin)額的(de)銀行保(bao)(bao)(bao)(bao)函作為(wei)擔保(bao)(bao)(bao)(bao)，也可選擇在銀保(bao)(bao)(bao)(bao)監(jian)會批準(zhun)或備案的(de)、具有承(cheng)(cheng)接建筑工人工資支付保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險業務專用條款的(de)保(bao)(bao)(bao)(bao)險公司進行承(cheng)(cheng)保(bao)(bao)(bao)(bao)，以銀行保(bao)(bao)(bao)(bao)函或保(bao)(bao)(bao)(bao)險保(bao)(bao)(bao)(bao)單(dan)替代工資保(bao)(bao)(bao)(bao)證金(jin)。

　　農民工工資(zi)支付保(bao)(bao)(bao)函(han)和保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)必須(xu)全部采用具有見索(suo)即付性質(zhi)的(de)獨立保(bao)(bao)(bao)函(han)（保(bao)(bao)(bao)單(dan)），且(qie)生效后不(bu)可撤銷。使用銀行保(bao)(bao)(bao)函(han)或(huo)保(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)單(dan)替代工資(zi)保(bao)(bao)(bao)證(zheng)金的(de)繳存單(dan)位，須(xu)向住(zhu)房城鄉(xiang)建設主(zhu)管(guan)部門提交相關憑證(zheng)，并簽訂《防范處(chu)置拖欠農民工工資(zi)目標承(cheng)諾書》。

　　濟(ji)南市(shi)擬規(gui)定，對使用銀行保(bao)(bao)(bao)(bao)函或保(bao)(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)(bao)單(dan)替代(dai)(dai)工(gong)(gong)資保(bao)(bao)(bao)(bao)證(zheng)(zheng)金的項(xiang)目，如動(dong)用工(gong)(gong)資保(bao)(bao)(bao)(bao)證(zheng)(zheng)金通知書下達2日內(nei)，監(jian)管銀行或保(bao)(bao)(bao)(bao)險(xian)公(gong)司未按照見索即(ji)付(fu)(fu)要求承(cheng)擔(dan)賠(pei)付(fu)(fu)或代(dai)(dai)償責任的，由繳(jiao)存(cun)單(dan)位(wei)立(li)即(ji)以(yi)現金形式(shi)承(cheng)擔(dan)相應工(gong)(gong)資保(bao)(bao)(bao)(bao)證(zheng)(zheng)金動(dong)用款項(xiang)。否則(ze)，計入繳(jiao)存(cun)單(dan)位(wei)建筑市(shi)場主體不良信用信息，2年(nian)內(nei)該繳(jiao)存(cun)單(dan)位(wei)不能使用銀行保(bao)(bao)(bao)(bao)函或保(bao)(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)(bao)單(dan)替代(dai)(dai)工(gong)(gong)資保(bao)(bao)(bao)(bao)證(zheng)(zheng)金。

　　在濟南市行(xing)政(zheng)區(qu)域(yu)內(nei)，每(mei)家銀行(xing)只(zhi)能在市級或(huo)各區(qu)（縣）屬地管理范(fan)圍內(nei)指定一家下屬支行(xing)作為(wei)(wei)監(jian)(jian)管銀行(xing)，承辦工(gong)資保(bao)(bao)證金或(huo)農民(min)工(gong)工(gong)資支付保(bao)(bao)函相(xiang)關業務。監(jian)(jian)管銀行(xing)應加強對存入工(gong)資保(bao)(bao)證金的日常監(jian)(jian)管，細化(hua)內(nei)部(bu)操作流程(cheng)，確保(bao)(bao)專款專用，確保(bao)(bao)開具的保(bao)(bao)函見索即付。監(jian)(jian)管銀行(xing)違反協議約定或(huo)監(jian)(jian)管職責的，取消其監(jian)(jian)管銀行(xing)資格，并將其失信行(xing)為(wei)(wei)報有關部(bu)門予以處理，納入聯合(he)懲(cheng)戒(jie)名(ming)單。