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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(fa)》，建設(she)單(dan)位在申請(qing)領取工程施工許可(ke)證前，項目繳存(cun)單(dan)位須將工資(zi)保證金(jin)一次(ci)性全部劃轉到(dao)監管(guan)銀行專用賬戶，并由(you)監管(guan)銀行向住房城鄉建設(she)主管(guan)部門提(ti)交繳存(cun)憑證，證明(ming)工資(zi)保證金(jin)已繳存(cun)。

　　工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)保證(zheng)(zheng)金實行差異化繳(jiao)存和動(dong)態管理。2年內未發(fa)生農(nong)(nong)民工(gong)(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)拖欠(qian)問題的繳(jiao)存單位，其新項目按工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)合同總造價0.5%的比例繳(jiao)存工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)保證(zheng)(zheng)金。落實農(nong)(nong)民工(gong)(gong)(gong)(gong)(gong)(gong)實名(ming)制管理、通(tong)過工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)專(zhuan)用賬戶以(yi)銀行代發(fa)形式直(zhi)接向農(nong)(nong)民工(gong)(gong)(gong)(gong)(gong)(gong)支付工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)等制度(du)，且2年內未發(fa)生農(nong)(nong)民工(gong)(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)拖欠(qian)問題，根據(ju)全市建筑(zhu)(zhu)市場(chang)信用評價結果，被(bei)評為(wei)AAA級的可申請免繳(jiao)工(gong)(gong)(gong)(gong)(gong)(gong)資(zi)保證(zheng)(zheng)金，被(bei)評為(wei)B級以(yi)及被(bei)列入(ru)建筑(zhu)(zhu)市場(chang)主體(ti)“黑名(ming)單”的按工(gong)(gong)(gong)(gong)(gong)(gong)程(cheng)合同總造價2%的比例繳(jiao)存。

　　《辦法》提出，繳(jiao)存(cun)單位(wei)可在監(jian)管銀(yin)行(xing)開立相應(ying)金(jin)額的(de)銀(yin)行(xing)保(bao)(bao)(bao)函作為擔保(bao)(bao)(bao)，也可選(xuan)擇在銀(yin)保(bao)(bao)(bao)監(jian)會批準或(huo)備案的(de)、具有承(cheng)接建筑工人工資支(zhi)付保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)(xian)業務專用條款的(de)保(bao)(bao)(bao)險(xian)(xian)公司進行(xing)承(cheng)保(bao)(bao)(bao)，以銀(yin)行(xing)保(bao)(bao)(bao)函或(huo)保(bao)(bao)(bao)險(xian)(xian)保(bao)(bao)(bao)單替(ti)代工資保(bao)(bao)(bao)證金(jin)。

　　農(nong)民工(gong)(gong)工(gong)(gong)資支付保(bao)函和保(bao)證保(bao)險(xian)必須全部(bu)采用具(ju)有見(jian)索(suo)即付性質的獨立保(bao)函（保(bao)單），且生效后(hou)不可撤(che)銷。使用銀行保(bao)函或保(bao)險(xian)保(bao)單替代工(gong)(gong)資保(bao)證金的繳(jiao)存單位，須向住房城(cheng)鄉(xiang)建(jian)設主(zhu)管部(bu)門提交相關憑(ping)證，并簽訂《防范處置拖(tuo)欠農(nong)民工(gong)(gong)工(gong)(gong)資目標承諾(nuo)書(shu)》。

　　濟(ji)南市擬規定，對(dui)使用銀(yin)(yin)行(xing)保(bao)(bao)(bao)函或保(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)單(dan)(dan)替(ti)代工(gong)資保(bao)(bao)(bao)證金的項目，如動(dong)用工(gong)資保(bao)(bao)(bao)證金通知(zhi)書下達2日內(nei)，監管銀(yin)(yin)行(xing)或保(bao)(bao)(bao)險(xian)公司未按照見(jian)索即(ji)(ji)付(fu)要求(qiu)承(cheng)擔賠(pei)付(fu)或代償責任(ren)的，由繳存單(dan)(dan)位立即(ji)(ji)以現金形(xing)式承(cheng)擔相應工(gong)資保(bao)(bao)(bao)證金動(dong)用款項。否則，計入繳存單(dan)(dan)位建筑市場(chang)主體(ti)不(bu)良信用信息(xi)，2年內(nei)該繳存單(dan)(dan)位不(bu)能使用銀(yin)(yin)行(xing)保(bao)(bao)(bao)函或保(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)單(dan)(dan)替(ti)代工(gong)資保(bao)(bao)(bao)證金。

　　在(zai)濟南(nan)市(shi)行政區域內(nei)，每家(jia)銀(yin)(yin)(yin)行只能在(zai)市(shi)級(ji)或(huo)各區（縣）屬地管(guan)(guan)(guan)理(li)范圍內(nei)指定一家(jia)下(xia)屬支行作(zuo)為(wei)監(jian)(jian)管(guan)(guan)(guan)銀(yin)(yin)(yin)行，承辦工(gong)資保(bao)證金或(huo)農民工(gong)工(gong)資支付保(bao)函(han)(han)相關(guan)業務。監(jian)(jian)管(guan)(guan)(guan)銀(yin)(yin)(yin)行應加(jia)強對存入(ru)工(gong)資保(bao)證金的(de)日常監(jian)(jian)管(guan)(guan)(guan)，細化內(nei)部操作(zuo)流程，確保(bao)專款專用，確保(bao)開具的(de)保(bao)函(han)(han)見索即(ji)付。監(jian)(jian)管(guan)(guan)(guan)銀(yin)(yin)(yin)行違反(fan)協議(yi)約定或(huo)監(jian)(jian)管(guan)(guan)(guan)職責的(de)，取消(xiao)其(qi)監(jian)(jian)管(guan)(guan)(guan)銀(yin)(yin)(yin)行資格(ge)，并將其(qi)失信(xin)行為(wei)報有關(guan)部門予以處理(li)，納入(ru)聯(lian)合懲戒名(ming)單。