近日，廣東(dong)省(sheng)(sheng)住房和城鄉建設廳聯合廣東(dong)省(sheng)(sheng)發(fa)(fa)展(zhan)和改(gai)革委(wei)員(yuan)會、廣東(dong)省(sheng)(sheng)人(ren)力(li)資(zi)源(yuan)和社會保障廳、廣東(dong)省(sheng)(sheng)交通運(yun)輸廳、廣東(dong)省(sheng)(sheng)水利廳、中(zhong)國(guo)保險監督管理委(wei)員(yuan)會廣東(dong)監管局等(deng)五部門發(fa)(fa)布《關(guan)于(yu)開展(zhan)建設工(gong)程保證保險有關(guan)工(gong)作的通知(zhi)》，在工(gong)程建設領域積極(ji)引入商業保險制(zhi)度(du)，為建筑企業“減負”，助力(li)全省(sheng)(sheng)建筑業改(gai)革發(fa)(fa)展(zhan)再(zai)升級(ji)！

什么是“建設工程保(bao)證保(bao)險”？

　　《通知(zhi)》明確，建(jian)設(she)工(gong)程(cheng)保(bao)(bao)證保(bao)(bao)險是指工(gong)程(cheng)建(jian)設(she)過程(cheng)中由保(bao)(bao)險公司提供的一種(zhong)工(gong)程(cheng)風險保(bao)(bao)障機制，涵(han)蓋建(jian)設(she)工(gong)程(cheng)招標投標、合(he)(he)同履約、工(gong)程(cheng)款支(zhi)(zhi)付、工(gong)資(zi)支(zhi)(zhi)付、缺陷責任期(qi)內(nei)的維(wei)修等階段和核心環節(jie)。保(bao)(bao)險公司出具的保(bao)(bao)險合(he)(he)同或(huo)保(bao)(bao)險單作為(wei)工(gong)程(cheng)投標、履約、工(gong)資(zi)支(zhi)(zhi)付、施工(gong)質量保(bao)(bao)證的形式之一。

　　建設工程保證保險的險種(zhong)包括：

　　1.建(jian)設工(gong)程投(tou)(tou)標保(bao)證(zheng)保(bao)險(xian)：保(bao)險(xian)公(gong)(gong)司提供的保(bao)證(zheng)投(tou)(tou)標人履行相關投(tou)(tou)標義務的保(bao)險(xian)。投(tou)(tou)標人在投(tou)(tou)標時提交其與保(bao)險(xian)公(gong)(gong)司簽訂(ding)的投(tou)(tou)標保(bao)證(zheng)保(bao)險(xian)合同或(huo)保(bao)險(xian)單的，應當視同已經繳納(na)投(tou)(tou)標保(bao)證(zheng)金或(huo)提供銀行保(bao)函、擔保(bao)公(gong)(gong)司擔保(bao)。

　　2.建設工程履約(yue)保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)：保(bao)(bao)(bao)(bao)險(xian)公司提供的(de)保(bao)(bao)(bao)(bao)證承包人(ren)履行相(xiang)關合同(tong)(tong)義務的(de)保(bao)(bao)(bao)(bao)險(xian)。承包人(ren)在工程項目合同(tong)(tong)簽訂(ding)(ding)時(shi)提交其與(yu)保(bao)(bao)(bao)(bao)險(xian)公司簽訂(ding)(ding)履約(yue)保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)合同(tong)(tong)或保(bao)(bao)(bao)(bao)險(xian)單的(de)，應(ying)當(dang)視同(tong)(tong)已經繳納保(bao)(bao)(bao)(bao)證金。

　　3.發(fa)(fa)包人(ren)(ren)合(he)同(tong)(tong)(tong)款支(zhi)付(fu)保(bao)(bao)證保(bao)(bao)險(xian)：由保(bao)(bao)險(xian)公司向承包人(ren)(ren)提(ti)供的(de)保(bao)(bao)證工程項(xiang)目發(fa)(fa)包人(ren)(ren)按(an)合(he)同(tong)(tong)(tong)約定支(zhi)付(fu)合(he)同(tong)(tong)(tong)款的(de)保(bao)(bao)險(xian)。發(fa)(fa)包人(ren)(ren)在工程項(xiang)目合(he)同(tong)(tong)(tong)簽(qian)訂(ding)時提(ti)交(jiao)其與保(bao)(bao)險(xian)公司簽(qian)訂(ding)合(he)同(tong)(tong)(tong)款支(zhi)付(fu)保(bao)(bao)證保(bao)(bao)險(xian)合(he)同(tong)(tong)(tong)或保(bao)(bao)險(xian)單的(de)，應當視(shi)同(tong)(tong)(tong)已經提(ti)交(jiao)合(he)同(tong)(tong)(tong)款支(zhi)付(fu)保(bao)(bao)證金(jin)。

　　4.建設工(gong)(gong)程施工(gong)(gong)質(zhi)量保(bao)證保(bao)險(xian)：由保(bao)險(xian)公(gong)司向發包人提供(gong)的(de)(de)保(bao)證工(gong)(gong)程項目承包人在(zai)缺陷責任期(qi)內(nei)對(dui)建設工(gong)(gong)程質(zhi)量缺陷維修義務的(de)(de)保(bao)險(xian)。承包人提交(jiao)與保(bao)險(xian)公(gong)司簽訂建設工(gong)(gong)程質(zhi)量保(bao)證保(bao)險(xian)合同或保(bao)險(xian)單(dan)的(de)(de)，應當視(shi)同已經(jing)提交(jiao)工(gong)(gong)程質(zhi)量保(bao)證金。

　　5.施工(gong)(gong)(gong)(gong)(gong)企(qi)(qi)業(ye)工(gong)(gong)(gong)(gong)(gong)人(ren)(ren)(ren)工(gong)(gong)(gong)(gong)(gong)資(zi)支付(fu)(fu)保(bao)(bao)證保(bao)(bao)險(xian)(xian)：由保(bao)(bao)險(xian)(xian)公司向工(gong)(gong)(gong)(gong)(gong)程項(xiang)目所(suo)在(zai)地人(ren)(ren)(ren)力資(zi)源社(she)會保(bao)(bao)障（或住房城鄉(xiang)建設、交通運輸、水利）等有關部門(men)提供的(de)保(bao)(bao)證工(gong)(gong)(gong)(gong)(gong)程項(xiang)目的(de)施工(gong)(gong)(gong)(gong)(gong)企(qi)(qi)業(ye)按規定支付(fu)(fu)施工(gong)(gong)(gong)(gong)(gong)務工(gong)(gong)(gong)(gong)(gong)工(gong)(gong)(gong)(gong)(gong)人(ren)(ren)(ren)工(gong)(gong)(gong)(gong)(gong)資(zi)的(de)保(bao)(bao)險(xian)(xian)。施工(gong)(gong)(gong)(gong)(gong)企(qi)(qi)業(ye)提交與保(bao)(bao)險(xian)(xian)公司簽訂施工(gong)(gong)(gong)(gong)(gong)企(qi)(qi)業(ye)工(gong)(gong)(gong)(gong)(gong)人(ren)(ren)(ren)工(gong)(gong)(gong)(gong)(gong)資(zi)支付(fu)(fu)保(bao)(bao)證保(bao)(bao)險(xian)(xian)合同或保(bao)(bao)險(xian)(xian)單的(de)，應當視同已經提交工(gong)(gong)(gong)(gong)(gong)人(ren)(ren)(ren)工(gong)(gong)(gong)(gong)(gong)資(zi)支付(fu)(fu)保(bao)(bao)證金。