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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(ban)法》，建設單(dan)位在申請領取工程施(shi)工許可證(zheng)前，項(xiang)目(mu)繳(jiao)存(cun)(cun)單(dan)位須將工資(zi)(zi)保證(zheng)金一(yi)次性全部劃轉到監管銀(yin)行(xing)專用賬戶(hu)，并由監管銀(yin)行(xing)向住(zhu)房城鄉建設主管部門提交繳(jiao)存(cun)(cun)憑(ping)證(zheng)，證(zheng)明工資(zi)(zi)保證(zheng)金已繳(jiao)存(cun)(cun)。

　　工(gong)(gong)資(zi)(zi)保(bao)證金(jin)實行差(cha)異化繳(jiao)存和(he)動態管理。2年內未(wei)發(fa)生農民(min)工(gong)(gong)工(gong)(gong)資(zi)(zi)拖欠問題的(de)繳(jiao)存單位，其新項(xiang)目按工(gong)(gong)程合同總造價(jia)0.5%的(de)比例繳(jiao)存工(gong)(gong)資(zi)(zi)保(bao)證金(jin)。落(luo)實農民(min)工(gong)(gong)實名制管理、通(tong)過工(gong)(gong)資(zi)(zi)專(zhuan)用賬戶以銀行代(dai)發(fa)形式直(zhi)接向農民(min)工(gong)(gong)支付工(gong)(gong)資(zi)(zi)等(deng)制度，且2年內未(wei)發(fa)生農民(min)工(gong)(gong)工(gong)(gong)資(zi)(zi)拖欠問題，根(gen)據全(quan)市建筑市場(chang)信(xin)用評價(jia)結果，被(bei)評為AAA級的(de)可(ke)申請(qing)免繳(jiao)工(gong)(gong)資(zi)(zi)保(bao)證金(jin)，被(bei)評為B級以及被(bei)列入建筑市場(chang)主體“黑名單”的(de)按工(gong)(gong)程合同總造價(jia)2%的(de)比例繳(jiao)存。

　　《辦法》提出，繳存單(dan)(dan)位可在監管銀行(xing)開立相應(ying)金額的銀行(xing)保(bao)(bao)(bao)(bao)函(han)作為(wei)擔保(bao)(bao)(bao)(bao)，也可選擇在銀保(bao)(bao)(bao)(bao)監會(hui)批準或(huo)備案的、具有承接建筑工(gong)人工(gong)資支付保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業務(wu)專用條(tiao)款的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司進行(xing)承保(bao)(bao)(bao)(bao)，以銀行(xing)保(bao)(bao)(bao)(bao)函(han)或(huo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)(bao)(bao)單(dan)(dan)替代工(gong)資保(bao)(bao)(bao)(bao)證金。

　　農民(min)工工資(zi)支付保(bao)(bao)函和保(bao)(bao)證保(bao)(bao)險必須全部采用(yong)具有(you)見索即(ji)付性質的(de)獨立保(bao)(bao)函（保(bao)(bao)單(dan)），且生效后不可撤銷。使用(yong)銀(yin)行保(bao)(bao)函或保(bao)(bao)險保(bao)(bao)單(dan)替代工資(zi)保(bao)(bao)證金的(de)繳存(cun)單(dan)位(wei)，須向(xiang)住房城鄉(xiang)建(jian)設主(zhu)管部門提(ti)交相關憑證，并簽(qian)訂(ding)《防(fang)范處置拖欠(qian)農民(min)工工資(zi)目(mu)標承諾書(shu)》。

　　濟(ji)南市擬規(gui)定，對(dui)使用(yong)銀行(xing)保(bao)(bao)函(han)(han)或保(bao)(bao)險保(bao)(bao)單(dan)(dan)替(ti)代工(gong)資(zi)保(bao)(bao)證金的項目，如動用(yong)工(gong)資(zi)保(bao)(bao)證金通知書下達2日內(nei)，監管銀行(xing)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(ze)任的，由繳(jiao)(jiao)存單(dan)(dan)位(wei)立即以現金形式承擔相(xiang)應工(gong)資(zi)保(bao)(bao)證金動用(yong)款項。否(fou)則，計入繳(jiao)(jiao)存單(dan)(dan)位(wei)建筑市場主體不良信(xin)用(yong)信(xin)息，2年內(nei)該繳(jiao)(jiao)存單(dan)(dan)位(wei)不能使用(yong)銀行(xing)保(bao)(bao)函(han)(han)或保(bao)(bao)險保(bao)(bao)單(dan)(dan)替(ti)代工(gong)資(zi)保(bao)(bao)證金。

　　在濟南(nan)市行(xing)政(zheng)區域內(nei)，每家銀(yin)(yin)行(xing)只能在市級(ji)或(huo)各區（縣(xian)）屬(shu)地管(guan)(guan)(guan)理范圍內(nei)指(zhi)定一家下屬(shu)支行(xing)作(zuo)為監(jian)管(guan)(guan)(guan)銀(yin)(yin)行(xing)，承辦工(gong)(gong)資(zi)保(bao)(bao)(bao)(bao)證金(jin)或(huo)農民工(gong)(gong)工(gong)(gong)資(zi)支付(fu)保(bao)(bao)(bao)(bao)函相關業(ye)務。監(jian)管(guan)(guan)(guan)銀(yin)(yin)行(xing)應加強(qiang)對存入工(gong)(gong)資(zi)保(bao)(bao)(bao)(bao)證金(jin)的日常(chang)監(jian)管(guan)(guan)(guan)，細(xi)化(hua)內(nei)部操作(zuo)流程(cheng)，確保(bao)(bao)(bao)(bao)專(zhuan)(zhuan)款專(zhuan)(zhuan)用(yong)，確保(bao)(bao)(bao)(bao)開具的保(bao)(bao)(bao)(bao)函見索(suo)即付(fu)。監(jian)管(guan)(guan)(guan)銀(yin)(yin)行(xing)違反協議約定或(huo)監(jian)管(guan)(guan)(guan)職責的，取(qu)消其(qi)監(jian)管(guan)(guan)(guan)銀(yin)(yin)行(xing)資(zi)格(ge)，并將其(qi)失信行(xing)為報(bao)有(you)關部門予(yu)以處理，納(na)入聯合懲戒名單。