關于開展建設工程綜合保險試點工作的通知
2016/02/23
各(ge)縣（市(shi)(shi)）區、管(guan)委(wei)會金(jin)融辦(ban)、住(zhu)房(fang)城鄉建(jian)設(she)、發展改革行政主管(guan)部(bu)門(men)和公共(gong)資源(yuan)交易(yi)綜合管(guan)理機構,市(shi)(shi)重點(dian)建(jian)設(she)工(gong)程招標(biao)投(tou)標(biao)辦(ban)公室(shi)、市(shi)(shi)建(jian)設(she)工(gong)程招標(biao)投(tou)標(biao)管(guan)理辦(ban)公室(shi)：
為深入貫徹(che)落實《國務院關(guan)于加(jia)快發展現(xian)代保(bao)險服務業的若干意(yi)見》（國發〔2014〕29號(hao)）要(yao)求(qiu)，根據(ju)《住(zhu)房城鄉建(jian)設(she)(she)部關(guan)于推進(jin)建(jian)筑(zhu)業發展和改(gai)革(ge)的若干意(yi)見》（建(jian)市(shi)〔2014〕92號(hao)）、《國家發展改(gai)革(ge)委中國保(bao)監會關(guan)于保(bao)險業支(zhi)持重大工程(cheng)(cheng)建(jian)設(she)(she)有(you)關(guan)事項(xiang)(xiang)的指導(dao)意(yi)見》（發改(gai)投資〔2015〕2179號(hao)）、《寧波(bo)市(shi)房屋建(jian)筑(zhu)和市(shi)政基(ji)礎設(she)(she)施工程(cheng)(cheng)擔保(bao)管理辦法（試(shi)行(xing)）》（甬建(jian)發〔2014〕17號(hao)，以下(xia)簡(jian)稱《工程(cheng)(cheng)擔保(bao)管理辦法》）等文件(jian)精神，促(cu)進(jin)我市(shi)建(jian)設(she)(she)行(xing)業改(gai)革(ge)發展，不斷完善(shan)建(jian)設(she)(she)工程(cheng)(cheng)擔保(bao)制(zhi)度(du)，深化(hua)建(jian)筑(zhu)業發展和改(gai)革(ge)創新，推動寧波(bo)保(bao)險創新綜合(he)示范區建(jian)設(she)(she)，經研究，決定在我市(shi)開展建(jian)設(she)(she)工程(cheng)(cheng)綜合(he)保(bao)險試(shi)點工作(zuo)。現(xian)將有(you)關(guan)事項(xiang)(xiang)通(tong)知如下(xia)：
一、試點范圍
按照試點(dian)先行(xing)、穩步推(tui)進的(de)(de)總(zong)體(ti)要(yao)求，在寧波(bo)市行(xing)政區域內(nei)的(de)(de)房屋建筑(zhu)工(gong)程(cheng)(cheng)和市政基礎設施工(gong)程(cheng)(cheng)項目領域實行(xing)工(gong)程(cheng)(cheng)綜合(he)保(bao)(bao)險試點(dian)。本通知作(zuo)為(wei)《工(gong)程(cheng)(cheng)擔(dan)(dan)保(bao)(bao)管理辦法》的(de)(de)補(bu)充(chong)內(nei)容，保(bao)(bao)險公司所提(ti)供的(de)(de)保(bao)(bao)險合(he)同(tong)(tong)或保(bao)(bao)險單作(zuo)為(wei)工(gong)程(cheng)(cheng)擔(dan)(dan)保(bao)(bao)的(de)(de)形式之(zhi)一，與保(bao)(bao)證金、銀行(xing)保(bao)(bao)函、擔(dan)(dan)保(bao)(bao)公司保(bao)(bao)函具備同(tong)(tong)等效力，試點(dian)參保(bao)(bao)對象(xiang)可自愿選擇，各擔(dan)(dan)保(bao)(bao)受益(yi)人及(ji)主管單位不得拒絕(jue)或限制使(shi)用。各項保(bao)(bao)險在使(shi)用流程(cheng)(cheng)上與原保(bao)(bao)證金、銀行(xing)保(bao)(bao)函使(shi)用流程(cheng)(cheng)保(bao)(bao)持一致。
二、試點險種
寧波市建(jian)設工程(cheng)綜合保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)包括工程(cheng)投標(biao)保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、建(jian)設合同(tong)履約保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、業主合同(tong)款支(zhi)付(fu)保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、建(jian)設工程(cheng)質(zhi)量保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、建(jian)筑(zhu)業企業人工工資支(zhi)付(fu)保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等5個險(xian)(xian)(xian)(xian)種。鼓勵開展預付(fu)款支(zhi)付(fu)保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、分包合同(tong)履約保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等符(fu)合寧波市建(jian)筑(zhu)市場(chang)需要的其他(ta)類型(xing)的工程(cheng)保(bao)(bao)(bao)證(zheng)險(xian)(xian)(xian)(xian)種。
（一）工(gong)程投(tou)標(biao)保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。工(gong)程投(tou)標(biao)保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)是(shi)指保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)向工(gong)程項目(mu)(mu)招標(biao)人(ren)提(ti)供的保(bao)(bao)(bao)(bao)證工(gong)程項目(mu)(mu)投(tou)標(biao)人(ren)履行投(tou)標(biao)義(yi)務的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。當(dang)投(tou)標(biao)人(ren)未能按(an)照(zhao)投(tou)標(biao)文件要求規范(fan)履行投(tou)標(biao)義(yi)務而導致招標(biao)人(ren)無法(fa)按(an)時簽訂工(gong)程合(he)同時，由保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)按(an)照(zhao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同對(dui)招標(biao)人(ren)的損失承擔賠償責(ze)任(ren)。投(tou)保(bao)(bao)(bao)(bao)人(ren)應當(dang)在項目(mu)(mu)投(tou)標(biao)前(qian)與保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)簽訂投(tou)標(biao)保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同。
（二）建(jian)(jian)設(she)(she)(she)合(he)(he)同(tong)(tong)履(lv)約(yue)保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)。建(jian)(jian)設(she)(she)(she)合(he)(he)同(tong)(tong)履(lv)約(yue)保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)是指保(bao)(bao)(bao)險(xian)公司(si)(si)向建(jian)(jian)設(she)(she)(she)工程(cheng)發包(bao)人(ren)提供的(de)保(bao)(bao)(bao)證(zheng)承(cheng)包(bao)人(ren)（指勘(kan)察(cha)設(she)(she)(she)計人(ren)、監理人(ren)或施工承(cheng)包(bao)人(ren)，下(xia)同(tong)(tong)）履(lv)行(xing)建(jian)(jian)設(she)(she)(she)合(he)(he)同(tong)(tong)義務(wu)的(de)保(bao)(bao)(bao)險(xian)，當承(cheng)包(bao)人(ren)未(wei)能按照建(jian)(jian)設(she)(she)(she)合(he)(he)同(tong)(tong)約(yue)定履(lv)行(xing)義務(wu)時，由保(bao)(bao)(bao)險(xian)公司(si)(si)按照保(bao)(bao)(bao)險(xian)合(he)(he)同(tong)(tong)對發包(bao)人(ren)的(de)損失承(cheng)擔賠(pei)償責任。投(tou)保(bao)(bao)(bao)人(ren)應(ying)當在(zai)建(jian)(jian)設(she)(she)(she)合(he)(he)同(tong)(tong)簽(qian)訂(ding)(ding)前與保(bao)(bao)(bao)險(xian)公司(si)(si)簽(qian)訂(ding)(ding)履(lv)約(yue)保(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)險(xian)合(he)(he)同(tong)(tong)。
（三）業(ye)(ye)(ye)主(zhu)合(he)同(tong)(tong)款支(zhi)付保證保險(xian)。業(ye)(ye)(ye)主(zhu)合(he)同(tong)(tong)款支(zhi)付保證保險(xian)是指(zhi)由(you)保險(xian)公(gong)(gong)司(si)(si)向(xiang)工(gong)程項目承(cheng)包人提供的保證工(gong)程項目發(fa)包人按(an)建(jian)(jian)設合(he)同(tong)(tong)約(yue)定(ding)支(zhi)付合(he)同(tong)(tong)款的保險(xian)，當發(fa)包人未(wei)能按(an)照(zhao)建(jian)(jian)設合(he)同(tong)(tong)約(yue)定(ding)支(zhi)付合(he)同(tong)(tong)款時，由(you)保險(xian)公(gong)(gong)司(si)(si)按(an)照(zhao)保險(xian)合(he)同(tong)(tong)對承(cheng)包人的損(sun)失承(cheng)擔賠償責(ze)任。投保人應(ying)當在(zai)建(jian)(jian)設合(he)同(tong)(tong)簽訂前與保險(xian)公(gong)(gong)司(si)(si)簽訂業(ye)(ye)(ye)主(zhu)合(he)同(tong)(tong)款支(zhi)付保證保險(xian)合(he)同(tong)(tong)。
（四）建設工(gong)(gong)程質(zhi)(zhi)量(liang)保(bao)證(zheng)保(bao)險(xian)(xian)(xian)(xian)。建設工(gong)(gong)程質(zhi)(zhi)量(liang)保(bao)證(zheng)保(bao)險(xian)(xian)(xian)(xian)是指保(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)向工(gong)(gong)程項目發包(bao)(bao)(bao)人(ren)(ren)提供的保(bao)證(zheng)工(gong)(gong)程項目施(shi)工(gong)(gong)承(cheng)(cheng)(cheng)(cheng)包(bao)(bao)(bao)人(ren)(ren)在(zai)缺(que)陷責(ze)任(ren)期內(nei)履行工(gong)(gong)程質(zhi)(zhi)量(liang)缺(que)陷修(xiu)復義(yi)務(wu)的保(bao)險(xian)(xian)(xian)(xian)。當施(shi)工(gong)(gong)承(cheng)(cheng)(cheng)(cheng)包(bao)(bao)(bao)人(ren)(ren)由于自身(shen)原因不履行施(shi)工(gong)(gong)質(zhi)(zhi)量(liang)缺(que)陷修(xiu)復義(yi)務(wu)時，由保(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)向發包(bao)(bao)(bao)人(ren)(ren)承(cheng)(cheng)(cheng)(cheng)擔代償責(ze)任(ren)，保(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)可根據質(zhi)(zhi)量(liang)責(ze)任(ren)向施(shi)工(gong)(gong)承(cheng)(cheng)(cheng)(cheng)包(bao)(bao)(bao)人(ren)(ren)追償。施(shi)工(gong)(gong)承(cheng)(cheng)(cheng)(cheng)包(bao)(bao)(bao)人(ren)(ren)最遲應在(zai)缺(que)陷責(ze)任(ren)期開始(shi)前7天(tian)內(nei)與保(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司(si)簽訂建設工(gong)(gong)程質(zhi)(zhi)量(liang)保(bao)證(zheng)保(bao)險(xian)(xian)(xian)(xian)合(he)同。
（五）建(jian)(jian)筑業(ye)(ye)企(qi)業(ye)(ye)人(ren)(ren)工(gong)工(gong)資(zi)(zi)支(zhi)付(fu)保(bao)(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)(bao)險。建(jian)(jian)筑業(ye)(ye)企(qi)業(ye)(ye)人(ren)(ren)工(gong)工(gong)資(zi)(zi)支(zhi)付(fu)保(bao)(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)(bao)險是指由保(bao)(bao)(bao)(bao)險公司向工(gong)程(cheng)項目(mu)(mu)屬在(zai)(zai)地(di)建(jian)(jian)設行政主(zhu)管(guan)部(bu)門(men)提(ti)供的(de)(de)保(bao)(bao)(bao)(bao)證(zheng)工(gong)程(cheng)項目(mu)(mu)所在(zai)(zai)地(di)的(de)(de)施工(gong)承包人(ren)(ren)按(an)規(gui)定支(zhi)付(fu)建(jian)(jian)筑務工(gong)人(ren)(ren)員工(gong)資(zi)(zi)的(de)(de)保(bao)(bao)(bao)(bao)險。當施工(gong)承包人(ren)(ren)拖欠務工(gong)人(ren)(ren)員工(gong)資(zi)(zi)導致項目(mu)(mu)所在(zai)(zai)地(di)建(jian)(jian)設行政主(zhu)管(guan)部(bu)門(men)及人(ren)(ren)力資(zi)(zi)源社會保(bao)(bao)(bao)(bao)障部(bu)門(men)作(zuo)出裁定或法(fa)院文書要求(qiu)建(jian)(jian)設行政主(zhu)管(guan)部(bu)門(men)予以先行代為支(zhi)付(fu)的(de)(de)，由保(bao)(bao)(bao)(bao)險公司向建(jian)(jian)設行政主(zhu)管(guan)部(bu)門(men)承擔代償責任(ren)。建(jian)(jian)筑業(ye)(ye)企(qi)業(ye)(ye)在(zai)(zai)工(gong)程(cheng)項目(mu)(mu)所在(zai)(zai)地(di)辦(ban)理首個施工(gong)合(he)同備案(an)或者安(an)全監督登記手續前(qian)，與保(bao)(bao)(bao)(bao)險公司簽訂建(jian)(jian)筑業(ye)(ye)企(qi)業(ye)(ye)人(ren)(ren)工(gong)工(gong)資(zi)(zi)支(zhi)付(fu)保(bao)(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)(bao)險合(he)同。
三(san)、試點參保對(dui)象(xiang)
寧波市建筑市場所有需要提供工(gong)程擔保的市場主體。
四(si)、試點承保保險機構
項目試點期間(jian)，由一家保(bao)(bao)險(xian)(xian)(xian)機(ji)構牽(qian)頭，聯合(he)數(shu)家保(bao)(bao)險(xian)(xian)(xian)機(ji)構組(zu)成保(bao)(bao)險(xian)(xian)(xian)聯合(he)體，負責(ze)建設(she)工程綜合(he)保(bao)(bao)險(xian)(xian)(xian)的(de)(de)市(shi)場(chang)調研、產(chan)品(pin)研發、承(cheng)保(bao)(bao)理(li)賠、風控流程的(de)(de)制定(ding)以(yi)及險(xian)(xian)(xian)種的(de)(de)推廣運(yun)行。試點結束后，由相關主管部門通(tong)過招(zhao)標、競爭性談判等形式確定(ding)承(cheng)辦保(bao)(bao)險(xian)(xian)(xian)機(ji)構，或者由各家保(bao)(bao)險(xian)(xian)(xian)機(ji)構以(yi)市(shi)場(chang)化競爭的(de)(de)方式開(kai)展相關業(ye)務。保(bao)(bao)險(xian)(xian)(xian)公司(si)所(suo)承(cheng)擔的(de)(de)保(bao)(bao)險(xian)(xian)(xian)責(ze)任需完全覆蓋(gai)《工程擔保(bao)(bao)管理(li)辦法(fa)》所(suo)規定(ding)的(de)(de)第(di)三方擔保(bao)(bao)人(ren)的(de)(de)所(suo)有責(ze)任，建立與(yu)建設(she)企(qi)業(ye)管理(li)水平(ping)、企(qi)業(ye)評級和信用狀(zhuang)況及項目類別等因素掛(gua)鉤(gou)的(de)(de)差異化費率機(ji)制。
五(wu)、試點工作要求(qiu)
（一）高度重視，穩妥(tuo)推進
在(zai)建(jian)(jian)設行(xing)業(ye)(ye)(ye)引(yin)入保(bao)險(xian)(xian)(xian)機制，有(you)利于(yu)推動政(zheng)府職能(neng)轉變，強化監(jian)管(guan)職能(neng)，充分(fen)(fen)發(fa)揮(hui)市(shi)場(chang)資源配置(zhi)的(de)(de)(de)作(zuo)(zuo)用；有(you)利于(yu)充分(fen)(fen)發(fa)揮(hui)建(jian)(jian)設工(gong)程各(ge)方主體(ti)的(de)(de)(de)主觀能(neng)動性(xing)，進一步(bu)規范建(jian)(jian)設市(shi)場(chang)秩(zhi)序，減輕企(qi)業(ye)(ye)(ye)負擔(dan)，提升建(jian)(jian)設工(gong)程質量水平；有(you)利于(yu)完善建(jian)(jian)筑(zhu)市(shi)場(chang)信(xin)用體(ti)系，扶持建(jian)(jian)筑(zhu)行(xing)業(ye)(ye)(ye)發(fa)展(zhan)(zhan)；有(you)利于(yu)推動建(jian)(jian)設行(xing)業(ye)(ye)(ye)相關(guan)保(bao)險(xian)(xian)(xian)的(de)(de)(de)創(chuang)新(xin)突(tu)破，充分(fen)(fen)發(fa)揮(hui)保(bao)險(xian)(xian)(xian)的(de)(de)(de)社會(hui)管(guan)理作(zuo)(zuo)用。各(ge)地(di)住(zhu)房(fang)城鄉(xiang)建(jian)(jian)設主管(guan)部門(men)和監(jian)管(guan)機構要充分(fen)(fen)認(ren)識推行(xing)建(jian)(jian)設工(gong)程綜(zong)合保(bao)險(xian)(xian)(xian)的(de)(de)(de)重要意義，積(ji)極通過保(bao)險(xian)(xian)(xian)機制減輕建(jian)(jian)筑(zhu)企(qi)業(ye)(ye)(ye)負擔(dan)，促進建(jian)(jian)筑(zhu)業(ye)(ye)(ye)改(gai)革發(fa)展(zhan)(zhan)。堅(jian)持政(zheng)策性(xing)引(yin)導與市(shi)場(chang)化操作(zuo)(zuo)相結合，積(ji)極穩(wen)妥地(di)開展(zhan)(zhan)建(jian)(jian)設工(gong)程綜(zong)合保(bao)險(xian)(xian)(xian)工(gong)作(zuo)(zuo)。
（二）積極創新，強化(hua)聯(lian)動
在建(jian)(jian)設工程(cheng)綜合保(bao)險(xian)試(shi)點過程(cheng)中，要逐(zhu)步建(jian)(jian)立起(qi)覆蓋建(jian)(jian)設工程(cheng)全流程(cheng)的、市場(chang)與(yu)現場(chang)聯動(dong)的閉環管(guan)理(li)模式(shi)。在建(jian)(jian)筑(zhu)市場(chang)信用(yong)系統向保(bao)險(xian)公司開放的同時，將保(bao)險(xian)公司動(dong)態風險(xian)管(guan)控的反饋引入建(jian)(jian)筑(zhu)市場(chang)信用(yong)評價體系。
（三）規范運作，強化監管
投保(bao)(bao)單位(wei)要切(qie)(qie)實履行(xing)主體(ti)責任，規范(fan)市(shi)場行(xing)為，有效(xiao)防范(fan)試點項目(mu)發生質量安(an)全事(shi)故以(yi)及因(yin)拖欠(qian)農民工工資(zi)引發的(de)群(qun)體(ti)事(shi)件，切(qie)(qie)實發揮試點項目(mu)引領示范(fan)作用。投保(bao)(bao)單位(wei)提供虛(xu)(xu)假投保(bao)(bao)資(zi)料、虛(xu)(xu)假保(bao)(bao)函(han)，以(yi)及保(bao)(bao)險違約、事(shi)故索賠等情況，將與其建筑(zhu)市(shi)場信用評級考(kao)核掛(gua)鉤(gou)，情節(jie)嚴(yan)重的(de)根據相關規定予以(yi)處罰(fa)。
保(bao)險(xian)公司(si)和投保(bao)單位要各司(si)其(qi)責、通(tong)力合作，及時協調解決推行工(gong)作中遇到的(de)矛盾和問題，切實(shi)履行各自責任和義務，及時將試點(dian)(dian)情況向監管部門報(bao)告，確(que)保(bao)試點(dian)(dian)工(gong)作順利推進。
各(ge)地(di)住房(fang)城鄉建設主管(guan)(guan)(guan)部門和監(jian)(jian)管(guan)(guan)(guan)機構要(yao)加強對保險(xian)試點項目運行情(qing)況(kuang)的(de)過程管(guan)(guan)(guan)控(kong)，切實履(lv)行對建筑(zhu)市(shi)場主體的(de)監(jian)(jian)管(guan)(guan)(guan)責任。
保(bao)險監管(guan)部門要(yao)對建設工程(cheng)綜(zong)合保(bao)險的規范運行(xing)做好指導，并對保(bao)險參與主(zhu)體履行(xing)監管(guan)責任。
寧波(bo)市人民政府金融工(gong)作辦公室(shi)
寧(ning)波市住房和(he)城鄉建設委員會(hui) 寧(ning)波市發展和(he)改革委員會(hui)
寧波市公(gong)共資源交(jiao)易工(gong)作中國保險監督(du)管(guan)理委員會
管(guan)理委員會辦公(gong)室寧波監管(guan)局
2015年10月15日
