记者11月25日从最高人民法院获悉，《最高人民法院关于审理建设工程施工合同纠纷案件适用法律问题 的解释（二）（征求意见稿）》日前公布。这份司法解释征求意见稿，对未招标项目合同效力、资质借 用、违法转包以及农民工工资支付保障等问题作出回应。 关于建筑领域资质借用、违法转包等问题，征求意见稿提出，建筑施工企业转让、出借资质或者以其他 方式允许他人以本企业名义承揽工程，人民法院应当认定涉及转让、出借资质等关系的合同无效。建筑 施工企业主张约定的转让、出借资质等费用的，人民法院不予支持。 征求意见稿对农民工工资支付保障作出新规。其中明确，工程建设项目涉及借用资质、转包或者违法分 包，参与工程建设的农民工依照《保障农民工工资支付条例》规定请求建设单位、施工总承包单位、分 包单位等支付拖欠工资的，人民法院依法予以支持。承包人就发包人原因造成的停工、窝工等损失主张 享有建设工程价款优先受偿权的，人民法院不予支持，但停工、窝工损失中的农民工工资部分除外。 本次征求意见截止日期为2025年11月29日。（经济日报记者 李万祥） 征求意见稿明确未招标项目合同效力，提出建设工程施工合同订立时属于必须招标的工程项目，当事人 未进行招 ...

Core Viewpoint - The article highlights the efforts of the People's Bank of China in Meishan City to enhance the efficiency and accessibility of wage payment services for migrant workers, ensuring timely salary disbursement and financial inclusion [1][2][5] Group 1: Service Improvement Initiatives - The Meishan branch of the People's Bank of China has implemented a "online pre-review + offline door-to-door + green special window" service model to streamline the account opening process for migrant workers, significantly reducing processing time [2] - A specialized service team has been established to understand the needs of construction companies, providing customized account opening and salary disbursement solutions, benefiting over 100,000 migrant workers [2] Group 2: Regulatory and Monitoring Mechanisms - A collaborative regulatory mechanism has been established involving multiple departments to ensure timely wage payments, including a monitoring system for special accounts used for migrant workers' salaries [3] - Since the implementation of this mechanism, 547 warning messages have been collected, covering 28 construction projects and over 4,000 migrant workers, allowing for early detection and resolution of wage payment issues [3] Group 3: Continuous Improvement and Standardization - The People's Bank of China in Meishan is continuously enhancing the payment guarantee capabilities by identifying and addressing issues in wage payment processes, leading to the timely disbursement of over 3 million yuan to 148 migrant workers [4] - The bank has conducted over 2,000 normative checks on wage special accounts and has modified the names and labels of more than 1,800 accounts to ensure compliance and prevent fund misappropriation [4] Group 4: Future Directions - The People's Bank of China in Meishan plans to strengthen departmental collaboration and regulatory coordination to further innovate financial services for migrant workers, aiming to enhance their financial well-being [5]