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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(gen)據《辦(ban)法》，建設單位在申請領取(qu)工(gong)(gong)程施工(gong)(gong)許(xu)可證前(qian)，項目繳存單位須(xu)將(jiang)工(gong)(gong)資保證金(jin)一次性全部劃(hua)轉到監管(guan)銀(yin)行專用賬(zhang)戶，并由監管(guan)銀(yin)行向住房城鄉(xiang)建設主(zhu)管(guan)部門提交繳存憑證，證明工(gong)(gong)資保證金(jin)已繳存。

　　工(gong)(gong)(gong)(gong)(gong)資(zi)保(bao)證(zheng)金(jin)實(shi)(shi)行差異化繳(jiao)存和(he)動態管(guan)理(li)。2年內未發生(sheng)農(nong)民工(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)資(zi)拖(tuo)欠問題(ti)的(de)(de)繳(jiao)存單(dan)位，其新(xin)項(xiang)目按工(gong)(gong)(gong)(gong)(gong)程合同總造價(jia)0.5%的(de)(de)比例繳(jiao)存工(gong)(gong)(gong)(gong)(gong)資(zi)保(bao)證(zheng)金(jin)。落實(shi)(shi)農(nong)民工(gong)(gong)(gong)(gong)(gong)實(shi)(shi)名制管(guan)理(li)、通過(guo)工(gong)(gong)(gong)(gong)(gong)資(zi)專(zhuan)用賬戶(hu)以(yi)銀行代發形式直接向農(nong)民工(gong)(gong)(gong)(gong)(gong)支(zhi)付工(gong)(gong)(gong)(gong)(gong)資(zi)等(deng)制度，且(qie)2年內未發生(sheng)農(nong)民工(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)資(zi)拖(tuo)欠問題(ti)，根(gen)據全市(shi)(shi)建(jian)筑市(shi)(shi)場信用評(ping)(ping)(ping)價(jia)結果，被(bei)評(ping)(ping)(ping)為(wei)AAA級的(de)(de)可申請(qing)免繳(jiao)工(gong)(gong)(gong)(gong)(gong)資(zi)保(bao)證(zheng)金(jin)，被(bei)評(ping)(ping)(ping)為(wei)B級以(yi)及被(bei)列入建(jian)筑市(shi)(shi)場主體“黑名單(dan)”的(de)(de)按工(gong)(gong)(gong)(gong)(gong)程合同總造價(jia)2%的(de)(de)比例繳(jiao)存。

　　《辦法(fa)》提出，繳存單位可(ke)在監管(guan)銀(yin)行(xing)開立相應(ying)金額的(de)銀(yin)行(xing)保(bao)函作(zuo)為(wei)擔(dan)保(bao)，也可(ke)選擇在銀(yin)保(bao)監會(hui)批(pi)準或備案的(de)、具有承接建筑工人工資支付(fu)保(bao)證(zheng)保(bao)險(xian)(xian)(xian)業務專(zhuan)用條款的(de)保(bao)險(xian)(xian)(xian)公司進行(xing)承保(bao)，以銀(yin)行(xing)保(bao)函或保(bao)險(xian)(xian)(xian)保(bao)單替代(dai)工資保(bao)證(zheng)金。

　　農(nong)民工(gong)工(gong)資支付保(bao)函和保(bao)證保(bao)險必須全部采用具有見索即(ji)付性質的(de)獨立保(bao)函（保(bao)單），且生效后不可撤(che)銷(xiao)。使(shi)用銀行保(bao)函或保(bao)險保(bao)單替代工(gong)資保(bao)證金(jin)的(de)繳存單位，須向住(zhu)房城鄉建設主(zhu)管部門提(ti)交相(xiang)關憑證，并簽訂《防(fang)范處置拖欠農(nong)民工(gong)工(gong)資目標(biao)承諾(nuo)書》。

　　濟(ji)南市擬(ni)規定，對使(shi)用(yong)銀(yin)行(xing)保(bao)函或(huo)保(bao)險保(bao)單(dan)(dan)替代工(gong)資(zi)保(bao)證(zheng)金的項目，如(ru)動用(yong)工(gong)資(zi)保(bao)證(zheng)金通知書下達(da)2日內，監(jian)管銀(yin)行(xing)或(huo)保(bao)險公(gong)司(si)未(wei)按照見(jian)索即付要求承擔賠付或(huo)代償責任的，由繳存(cun)單(dan)(dan)位立即以現金形式(shi)承擔相應工(gong)資(zi)保(bao)證(zheng)金動用(yong)款項。否則(ze)，計入繳存(cun)單(dan)(dan)位建筑市場主體不(bu)良(liang)信(xin)用(yong)信(xin)息，2年內該(gai)繳存(cun)單(dan)(dan)位不(bu)能(neng)使(shi)用(yong)銀(yin)行(xing)保(bao)函或(huo)保(bao)險保(bao)單(dan)(dan)替代工(gong)資(zi)保(bao)證(zheng)金。

　　在濟南市行(xing)政區域內(nei)，每(mei)家銀(yin)行(xing)只能在市級或各(ge)區（縣）屬地管(guan)理范圍內(nei)指定一家下屬支行(xing)作為監管(guan)銀(yin)行(xing)，承(cheng)辦工(gong)資(zi)(zi)保(bao)(bao)(bao)證金(jin)或農民工(gong)工(gong)資(zi)(zi)支付保(bao)(bao)(bao)函相(xiang)關(guan)業務。監管(guan)銀(yin)行(xing)應加強對存入(ru)工(gong)資(zi)(zi)保(bao)(bao)(bao)證金(jin)的日常監管(guan)，細化內(nei)部操作流程(cheng)，確保(bao)(bao)(bao)專款專用，確保(bao)(bao)(bao)開具(ju)的保(bao)(bao)(bao)函見索即付。監管(guan)銀(yin)行(xing)違反協議約定或監管(guan)職責的，取消其(qi)監管(guan)銀(yin)行(xing)資(zi)(zi)格，并(bing)將其(qi)失信行(xing)為報有(you)關(guan)部門予以處理，納入(ru)聯合懲戒名單(dan)。