山東省住房和(he)城鄉(xiang)建設(she)廳
山東(dong)省發(fa)展和改革委員會
山(shan)東省財政(zheng)廳
中國銀行保險監督管理委員(yuan)會山東監管局
中國(guo)銀行保險監督管理委員會青島監管局
關于在全省(sheng)房屋(wu)建筑和(he)市政工程(cheng)領域
全面推進保證(zheng)保險工作的指導意見
魯(lu)建建管(guan)字(zi)〔2021〕8號
各(ge)市(shi)住房城鄉建設局(ju)、發(fa)展改革委、財政局(ju)、銀保監分局(ju)，相關保險(xian)機構：
為扎實做好“六穩”工作、全(quan)(quan)面落實“六保”任務，進(jin)一(yi)步(bu)優(you)化營商(shang)環境，切實減輕企業負擔，根(gen)據《住房和城鄉建(jian)設部等部門關(guan)于(yu)加快推進(jin)房屋(wu)建(jian)筑(zhu)和市政(zheng)基礎(chu)設施工程(cheng)實行(xing)工程(cheng)擔保制度的(de)指導意見》和《關(guan)于(yu)促進(jin)建(jian)筑(zhu)業高質量發(fa)展的(de)十條措施》要求(qiu)，現就在(zai)全(quan)(quan)省房屋(wu)建(jian)筑(zhu)和市政(zheng)工程(cheng)領(ling)域全(quan)(quan)面推進(jin)保證保險(xian)工作，提出如(ru)下指導意見：
一、全面推行(xing)。山東省行(xing)政區域內的房(fang)屋建筑和市(shi)政工(gong)程項目，依法需要(yao)提供投標、履約、工(gong)程質量和工(gong)程款(kuan)支付擔保(bao)(bao)的，建筑市(shi)場主(zhu)體可以根據自身情況，自愿選擇現(xian)金、保(bao)(bao)證(zheng)保(bao)(bao)險(xian)或銀行(xing)保(bao)(bao)函任一形(xing)式繳(jiao)納，政府和國有資金投資項目應帶頭采用保(bao)(bao)證(zheng)保(bao)(bao)險(xian)方式繳(jiao)納，其他投資項目凡是能夠通(tong)過保(bao)(bao)證(zheng)保(bao)(bao)險(xian)方式繳(jiao)納的，建設單位和相關(guan)主(zhu)管(guan)部門一律不得拒絕。
二(er)、規范流程(cheng)(cheng)。建(jian)設單(dan)位（招(zhao)標人(ren)）要(yao)求(qiu)(qiu)提供(gong)投(tou)(tou)標、履約、工程(cheng)(cheng)質(zhi)量保(bao)證(zheng)金的，應當在(zai)招(zhao)標文件或合同(tong)(tong)條(tiao)款(kuan)中明確繳(jiao)納方(fang)式、時限要(yao)求(qiu)(qiu)，施工單(dan)位（投(tou)(tou)標人(ren)）按要(yao)求(qiu)(qiu)提供(gong)已(yi)經生效的保(bao)證(zheng)保(bao)險合同(tong)(tong)（保(bao)單(dan)）的，視同(tong)(tong)已(yi)經繳(jiao)納投(tou)(tou)標、履約、工程(cheng)(cheng)質(zhi)量保(bao)證(zheng)金。
三、嚴格(ge)標準。投標保證保險的保證金額不(bu)得(de)超過項目估算價的2%、最(zui)高不超過(guo)80萬(wan)元(yuan)，保(bao)(bao)(bao)證(zheng)(zheng)保(bao)(bao)(bao)險(xian)期限(xian)應(ying)(ying)當(dang)(dang)與投(tou)標(biao)有效期一致，投(tou)標(biao)人支付的(de)保(bao)(bao)(bao)險(xian)費(fei)必須由單(dan)位基本(ben)賬戶(hu)支付。履約(yue)(yue)(yue)保(bao)(bao)(bao)證(zheng)(zheng)保(bao)(bao)(bao)險(xian)的(de)保(bao)(bao)(bao)證(zheng)(zheng)金額不得(de)(de)超過(guo)合同(tong)額的(de)10%，保(bao)(bao)(bao)證(zheng)(zheng)期限(xian)應(ying)(ying)當(dang)(dang)覆蓋(gai)合同(tong)約(yue)(yue)(yue)定的(de)工(gong)期。工(gong)程(cheng)質(zhi)量保(bao)(bao)(bao)證(zheng)(zheng)保(bao)(bao)(bao)險(xian)的(de)保(bao)(bao)(bao)證(zheng)(zheng)金額不得(de)(de)超過(guo)工(gong)程(cheng)價款結算總額的(de)3%，保(bao)(bao)(bao)證(zheng)(zheng)期限(xian)應(ying)(ying)當(dang)(dang)與缺陷(xian)責任期一致。工(gong)程(cheng)款支付保(bao)(bao)(bao)證(zheng)(zheng)保(bao)(bao)(bao)險(xian)的(de)保(bao)(bao)(bao)證(zheng)(zheng)金額由承發包雙方在合同(tong)中約(yue)(yue)(yue)定，但(dan)不得(de)(de)低于(yu)該項目履約(yue)(yue)(yue)保(bao)(bao)(bao)證(zheng)(zheng)金金額，保(bao)(bao)(bao)證(zheng)(zheng)期限(xian)應(ying)(ying)當(dang)(dang)覆蓋(gai)合同(tong)約(yue)(yue)(yue)定的(de)工(gong)程(cheng)款支付周期。
四、強化(hua)服務(wu)(wu)。開展保(bao)(bao)證保(bao)(bao)險(xian)(xian)(xian)業(ye)務(wu)(wu)的保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)應當(dang)具備(bei)良(liang)好的信譽、充足的資本償付能力，且相關保(bao)(bao)險(xian)(xian)(xian)條款(kuan)(kuan)應當(dang)經保(bao)(bao)險(xian)(xian)(xian)監督管理部門(men)批準或備(bei)案(an)。保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)應當(dang)根據市場主(zhu)體信用(yong)狀況和各(ge)險(xian)(xian)(xian)種(zhong)實際(ji)，建立浮動費率(lv)機(ji)制，公(gong)平開展競爭。保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)應當(dang)按照保(bao)(bao)證保(bao)(bao)險(xian)(xian)(xian)合同(tong)條款(kuan)(kuan)，切實履行(xing)賠付義(yi)務(wu)(wu)，提高服務(wu)(wu)質量。保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)要深化(hua)工程建設保(bao)(bao)險(xian)(xian)(xian)市場調研，加(jia)大各(ge)險(xian)(xian)(xian)種(zhong)推(tui)廣力度，積(ji)極推(tui)行(xing)電子保(bao)(bao)單形(xing)式(shi)。同(tong)一保(bao)(bao)險(xian)(xian)(xian)機(ji)構(gou)不得在同(tong)一工程項目(mu)中同(tong)時為(wei)承包(bao)人、發包(bao)人分別提供履約和工程款(kuan)(kuan)支付保(bao)(bao)證保(bao)(bao)險(xian)(xian)(xian)。
五、聯(lian)(lian)動(dong)監(jian)(jian)管(guan)(guan)。各級主(zhu)管(guan)(guan)部門要(yao)(yao)積極推(tui)動(dong)建筑市(shi)(shi)場主(zhu)體(ti)采(cai)用保(bao)證保(bao)險(xian)(xian)替代(dai)現金(jin)保(bao)證，切實(shi)減(jian)輕企業(ye)負擔；要(yao)(yao)維護(hu)公(gong)平(ping)(ping)(ping)、公(gong)正的(de)(de)市(shi)(shi)場秩序，加強對保(bao)險(xian)(xian)機構經營和服務行(xing)(xing)(xing)為的(de)(de)監(jian)(jian)管(guan)(guan)，嚴禁(jin)指(zhi)定保(bao)險(xian)(xian)機構開展業(ye)務，限(xian)制競爭；要(yao)(yao)強化市(shi)(shi)場監(jian)(jian)管(guan)(guan)，對市(shi)(shi)場主(zhu)體(ti)提供虛假保(bao)證資(zi)料或虛假保(bao)單(dan)的(de)(de)實(shi)施(shi)聯(lian)(lian)合(he)懲戒。各級公(gong)共資(zi)源(yuan)交易平(ping)(ping)(ping)臺要(yao)(yao)為保(bao)證保(bao)險(xian)(xian)推(tui)行(xing)(xing)(xing)提供便利，允許施(shi)工單(dan)位(wei)（投標人(ren)）、保(bao)險(xian)(xian)機構采(cai)用電(dian)子保(bao)單(dan)等形式進(jin)行(xing)(xing)(xing)平(ping)(ping)(ping)臺數據推(tui)送(song)共享(xiang)，堅決杜絕以接口費等名義向保(bao)險(xian)(xian)機構收(shou)取(qu)費用。
《關于開展(zhan)房屋建筑和(he)市政(zheng)工程投標保(bao)證保(bao)險工作的(de)意見（試行）》（魯(lu)建建管字〔2018〕11號(hao)）、《關于(yu)開展房屋(wu)建筑和市政工(gong)(gong)程(cheng)履(lv)約保證保險工(gong)(gong)作的(de)意(yi)見(jian)（試行(xing)）》（魯(lu)建建管字〔2019〕18號(hao)）和《關于(yu)開展房屋(wu)建筑和市政工(gong)(gong)程(cheng)施工(gong)(gong)質(zhi)(zhi)量保險工(gong)(gong)作的(de)意(yi)見(jian)（試行(xing)）》（魯(lu)建質(zhi)(zhi)安(an)字〔2020〕7號(hao)）同時廢止。
山(shan)東省住房和城鄉建設廳 山東(dong)省發展(zhan)和改(gai)革委員
會
山東省(sheng)財政廳 中國(guo)銀行保(bao)險監督(du)管理(li)委員會
山東監管局(ju)
中(zhong)國銀行保(bao)險(xian)監督管理委員會
青島監(jian)管(guan)局
2021年9月(yue)1日