重大利好!全面淡出保证金已是大势所趋,住建部再发文!
7月2日,住建部办公厅下发征求《关于加快推进实施工程担保制度的指导意见(征求意见稿)》意见的函,明确三年内,各类保证金的保函替代率要提升30%!意见要求:在依法必须招标的工程项目和民间投资的住宅工程中推行工程履约担保;在房地产开发项目中推行工程款支付担保;全面推行工程质量保证和农民工工资支付担保。采用最低价中标的工程实行高额履约担保;农民工工资支付保函全部采用见索即付保函。由此可见,以建设工程保证保险等担保形式替代保证金已是大势所趋!
笔者了解到,工程保证保险保单、银行保函、工程担保公司统称保函。就市场反馈来看,在这三种担保方式中,工程保证保险取得了更高的市场认可度。 “企业办理保证保险的成本是当前担保市场最低的。”盛安保险技术股份有限公司的王总表示,“办理工程保险可以释放沉淀资金,盘活建筑业企业现金流,切实为建企减负,大大减小建筑业企业的融资压力。与银行保函相比,保证保险不占用企业的银行授信额度,且出单流程更简单,在节省时间成本上有着质的飞跃。” 保证保险于2014年6月在我国浙江温州率先开始试点,从试点的推行情况来看,建设工程保证保险这种担保方式已在市场广受好评,且趋于成熟。
推行工程保证保险是深化建筑业改革、优化建筑市场环境的一项有效措施,通过保险机制约束建设单位和承包单位的履约行为,充分发挥保险在事前风险预防、事中风险控制、事后理赔服务等方面的功能作用,能有效防范和化解建设工程各个环节的责任风险。未来使用工程保证保险进行担保,淡出保证金,已是大势所趋!
文章来源: 筑龙新闻
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