由人社部(bu)、住建部(bu)等七部(bu)委聯合發布的《工(gong)(gong)(gong)程建設領域(yu)農民工(gong)(gong)(gong)工(gong)(gong)(gong)資保證金規(gui)定》將(jiang)于(yu)11月1日(ri)正式施行(xing)，該(gai)項規(gui)定將(jiang)在保護農民工(gong)(gong)(gong)工(gong)(gong)(gong)資權益方面發揮重要作用。

指工(gong)(gong)(gong)程(cheng)建設領域施(shi)工(gong)(gong)(gong)總承(cheng)包單位（包括直接承(cheng)包建設單位發包工(gong)(gong)(gong)程(cheng)的(de)專(zhuan)業承(cheng)包企業）在(zai)銀(yin)行(xing)設立(li)賬(zhang)戶并按照工(gong)(gong)(gong)程(cheng)施(shi)工(gong)(gong)(gong)合同額的(de)一定(ding)比例存(cun)儲，專(zhuan)項用(yong)于支付為(wei)所承(cheng)包工(gong)(gong)(gong)程(cheng)提供勞動的(de)農民工(gong)(gong)(gong)被拖欠工(gong)(gong)(gong)資(zi)的(de)專(zhuan)項資(zi)金。

原則上不(bu)低(di)于工(gong)(gong)程施工(gong)(gong)合(he)同額（或年度合(he)同額）的1%，不(bu)超過3%；單個工(gong)(gong)程合(he)同額較(jiao)高的，可設(she)定存儲(chu)上限。

現金存(cun)儲或(huo)銀行保函替(ti)代。

當發生拖(tuo)欠農民工工資時，經人(ren)社部門(men)(men)依法作(zuo)出責令限期(qi)清償或現行清償的行政處(chu)理(li)決定，總包單(dan)位到(dao)期(qi)拒不履行的由屬地人(ren)社部門(men)(men)履行相關(guan)手續由委托銀行轉賬支付(fu)被(bei)拖(tuo)欠者本人(ren)。

工程(cheng)完工后(hou)，由總包(bao)單(dan)位(wei)做(zuo)出書面承諾(nuo)工程(cheng)無拖欠農民(min)工工資(zi)問題(ti)并(bing)進行為期30日(ri)公示(shi)后(hou)，申請返還工資(zi)保證金(jin)，經屬地人社部門審核確認后(hou)，由銀行解除賬(zhang)(zhang)戶(hu)監管，總包(bao)單(dan)位(wei)可自由支配賬(zhang)(zhang)戶(hu)資(zi)金(jin)或辦理(li)賬(zhang)(zhang)戶(hu)銷戶(hu)。

特(te)別強調——該項規(gui)定(ding)對保(bao)(bao)證金賬戶涉(she)訴風(feng)險進行了要求，明確指出除(chu)法律另有規(gui)定(ding)外，工資保(bao)(bao)證金不(bu)得因未支付本工程(cheng)提供勞動的(de)農(nong)民(min)工工資之外的(de)原因被查封、凍結或者劃撥。