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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)》，建設單位在申請領(ling)取工(gong)(gong)程施工(gong)(gong)許可證(zheng)前，項目繳(jiao)存(cun)單位須將(jiang)工(gong)(gong)資保(bao)(bao)證(zheng)金(jin)一次性(xing)全部劃轉到(dao)監(jian)管(guan)(guan)銀行(xing)專(zhuan)用賬戶(hu)，并由監(jian)管(guan)(guan)銀行(xing)向住房城鄉建設主管(guan)(guan)部門提交繳(jiao)存(cun)憑證(zheng)，證(zheng)明工(gong)(gong)資保(bao)(bao)證(zheng)金(jin)已繳(jiao)存(cun)。

　　工(gong)(gong)(gong)(gong)資(zi)(zi)(zi)保(bao)證(zheng)金(jin)(jin)實(shi)行差異化繳(jiao)存和動態管理。2年內(nei)未發生農(nong)民工(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)資(zi)(zi)(zi)拖欠問題(ti)的繳(jiao)存單(dan)位，其新項目按工(gong)(gong)(gong)(gong)程合同(tong)總(zong)(zong)造價0.5%的比(bi)例繳(jiao)存工(gong)(gong)(gong)(gong)資(zi)(zi)(zi)保(bao)證(zheng)金(jin)(jin)。落實(shi)農(nong)民工(gong)(gong)(gong)(gong)實(shi)名制(zhi)管理、通過(guo)工(gong)(gong)(gong)(gong)資(zi)(zi)(zi)專用(yong)賬戶(hu)以(yi)銀(yin)行代發形式(shi)直接向(xiang)農(nong)民工(gong)(gong)(gong)(gong)支付工(gong)(gong)(gong)(gong)資(zi)(zi)(zi)等制(zhi)度，且2年內(nei)未發生農(nong)民工(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)資(zi)(zi)(zi)拖欠問題(ti)，根據全市建筑市場信用(yong)評(ping)價結果，被(bei)(bei)(bei)評(ping)為(wei)AAA級的可(ke)申請(qing)免繳(jiao)工(gong)(gong)(gong)(gong)資(zi)(zi)(zi)保(bao)證(zheng)金(jin)(jin)，被(bei)(bei)(bei)評(ping)為(wei)B級以(yi)及被(bei)(bei)(bei)列入建筑市場主體“黑名單(dan)”的按工(gong)(gong)(gong)(gong)程合同(tong)總(zong)(zong)造價2%的比(bi)例繳(jiao)存。

　　《辦法》提出(chu)，繳存單(dan)位可在監管(guan)銀行(xing)開(kai)立相應(ying)金(jin)額的銀行(xing)保(bao)(bao)(bao)函(han)作為擔(dan)保(bao)(bao)(bao)，也可選擇在銀保(bao)(bao)(bao)監會批(pi)準或(huo)備(bei)案的、具有承(cheng)接建筑(zhu)工(gong)(gong)人工(gong)(gong)資(zi)支付保(bao)(bao)(bao)證保(bao)(bao)(bao)險業務專用條款的保(bao)(bao)(bao)險公司進行(xing)承(cheng)保(bao)(bao)(bao)，以銀行(xing)保(bao)(bao)(bao)函(han)或(huo)保(bao)(bao)(bao)險保(bao)(bao)(bao)單(dan)替代工(gong)(gong)資(zi)保(bao)(bao)(bao)證金(jin)。

　　農民工(gong)工(gong)資支(zhi)付保(bao)(bao)函和保(bao)(bao)證(zheng)保(bao)(bao)險必須全部(bu)(bu)采用(yong)具有見(jian)索即(ji)付性質的獨立保(bao)(bao)函（保(bao)(bao)單），且生(sheng)效后(hou)不可撤(che)銷。使(shi)用(yong)銀行保(bao)(bao)函或保(bao)(bao)險保(bao)(bao)單替(ti)代工(gong)資保(bao)(bao)證(zheng)金的繳存單位，須向住房(fang)城鄉(xiang)建(jian)設主管部(bu)(bu)門(men)提(ti)交(jiao)相關(guan)憑證(zheng)，并簽訂《防范處置(zhi)拖欠農民工(gong)工(gong)資目標承諾書》。

　　濟南市擬規定，對使用銀(yin)行保(bao)(bao)函或保(bao)(bao)險保(bao)(bao)單替代工(gong)資(zi)保(bao)(bao)證(zheng)金(jin)的(de)項目，如動用工(gong)資(zi)保(bao)(bao)證(zheng)金(jin)通(tong)知(zhi)書下(xia)達2日(ri)內，監管銀(yin)行或保(bao)(bao)險公司未按(an)照見索即付要求承擔賠付或代償責任(ren)的(de)，由繳存單位(wei)立(li)即以現(xian)金(jin)形(xing)式承擔相應(ying)工(gong)資(zi)保(bao)(bao)證(zheng)金(jin)動用款(kuan)項。否則(ze)，計(ji)入(ru)繳存單位(wei)建(jian)筑(zhu)市場主體(ti)不(bu)(bu)良信用信息，2年內該繳存單位(wei)不(bu)(bu)能(neng)使用銀(yin)行保(bao)(bao)函或保(bao)(bao)險保(bao)(bao)單替代工(gong)資(zi)保(bao)(bao)證(zheng)金(jin)。

　　在(zai)濟(ji)南市(shi)行(xing)(xing)政區域內(nei)(nei)，每家銀(yin)行(xing)(xing)只能在(zai)市(shi)級或各區（縣）屬(shu)(shu)地(di)管理范圍內(nei)(nei)指定一家下屬(shu)(shu)支(zhi)行(xing)(xing)作為監管銀(yin)行(xing)(xing)，承辦工資(zi)保證(zheng)金(jin)(jin)或農(nong)民工工資(zi)支(zhi)付(fu)保函(han)相關業務。監管銀(yin)行(xing)(xing)應加強對存入(ru)工資(zi)保證(zheng)金(jin)(jin)的(de)日常(chang)監管，細化內(nei)(nei)部操作流程，確(que)保專(zhuan)款專(zhuan)用，確(que)保開具的(de)保函(han)見索即付(fu)。監管銀(yin)行(xing)(xing)違(wei)反協議約(yue)定或監管職責(ze)的(de)，取消其(qi)監管銀(yin)行(xing)(xing)資(zi)格，并將其(qi)失信行(xing)(xing)為報有關部門(men)予以處理，納入(ru)聯合懲戒名(ming)單。