投标保证金这样的办理程序方便、有效吗？请各路专家解惑！

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<span style="FONT-SIZE: 15pt; FONT-FAMILY: 仿宋_GB2312; mso-hansi-font-family: 新宋体"><p class="MsoNormal" style="MARGIN: 0cm -15&#46;75pt 0pt; LINE-HEIGHT: 20pt; TEXT-ALIGN: center; mso-para-margin-top: 0cm; mso-para-margin-right: -1&#46;5gd; mso-para-margin-bottom: &#46;0001pt; mso-para-margin-left: -1&#46;5gd; mso-line-height-rule: exactly" align="left"><span style="FONT-SIZE: 15pt; FONT-FAMILY: 仿宋_GB2312; mso-hansi-font-family: 新宋体"><strong></strong></span></p><p class="MsoNormal" style="MARGIN: 0cm -15&#46;75pt 0pt; LINE-HEIGHT: 20pt; TEXT-ALIGN: center; mso-para-margin-top: 0cm; mso-para-margin-right: -1&#46;5gd; mso-para-margin-bottom: &#46;0001pt; mso-para-margin-left: -1&#46;5gd; mso-line-height-rule: exactly" align="center"><span style="FONT-SIZE: 15pt; FONT-FAMILY: 仿宋_GB2312; mso-hansi-font-family: 新宋体"><strong></strong></span></p><p class="MsoNormal" style="MARGIN: 0cm -15&#46;75pt 0pt; LINE-HEIGHT: 20pt; TEXT-ALIGN: center; mso-para-margin-top: 0cm; mso-para-margin-right: -1&#46;5gd; mso-para-margin-bottom: &#46;0001pt; mso-para-margin-left: -1&#46;5gd; mso-line-height-rule: exactly" align="center"><span style="FONT-SIZE: 15pt; FONT-FAMILY: 仿宋_GB2312; mso-hansi-font-family: 新宋体"><strong></strong></span></p><p /><p><font size="3">近期，x市招投标中心出台了 《<font face="宋体">建设工程项目投标保证金办理须知》，在使用的过程中，投标人和代理公司和中心工作人员对《须知》的操作规程反映太烦琐、做无用功，增加了投标人的工作负担，而且效率太低。但是 xx招标中心对自己出台的《须知》十分满意和自豪。现想请专家和从业人员，那一种投标保证金担保的形式和办理程序既方便又有效，请解惑和赐教！</font></font></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">    <font color="#ff0000"> 建设工程项目投标保证金办理须知</font></span><span lang="EN-US"></span></font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span lang="EN-US"><font face="Times New Roman">1</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">、</span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">投标保证金汇交及退付以转帐形式进行。</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span lang="EN-US"><font face="Times New Roman">2</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">、</span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">投标保证金款项必须从投标人所在地开户银行的基本帐户中汇出。</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span lang="EN-US"><font face="Times New Roman">3</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">、</span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">投标保证金人民币</span><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">      </font></span></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">万元必须在</span><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">    </font></span></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">年</span><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">     </font></span></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">月</span><span lang="EN-US"><span style="mso-spacerun: yes"><font face="Times New Roman">    </font></span></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">日前到达</span><span lang="EN-US"><font face="Times New Roman">xxx</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">招投标中心投标保证金银行帐户（开户银行：</span><span lang="EN-US"><font face="Times New Roman">xxx</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">支行营业中心；户名：</span><span lang="EN-US"><font face="Times New Roman">xxx</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">招投标中心投标保证金；帐号：</span><span lang="EN-US"><font face="Times New Roman">19-xxxxxxxxx</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">），并在递交投标文件时出具投标保证金收款收据，迟后到达的，由综合科财务人员在收到原汇出人开具的收款收据后将款项退还到原汇出银行帐户。</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span lang="EN-US"><font face="Times New Roman">4</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">、</span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">投标保证金汇交流程：投标人→到银行办理入帐业务→到建设项目交易科开取投标保证金交款通知书→凭投标保证金交款通知书到综合科开取投标保证金收款收据→综合科财务人员核对投标保证金交款通知书和银行进帐回单后开具投标保证金收款收据。</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span lang="EN-US"><font face="Times New Roman">5</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">、</span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">未中标人的投标保证金退还到未中标人原汇出银行帐户，办理流程如下：未中标人→在确定中标人后的三个工作日内凭未中标人开具的收款收据到建设项目交易科申请退还投标保证金→建设项目交易科审核后按时将投标保证金退款通知书和未中标人开具的收款收据交综合科→综合科财务人员再在二个工作日内按财务管理程序办理退款业务。</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span lang="EN-US"><font face="Times New Roman">6</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">、</span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">中标人的投标保证金退还到中标人原汇出银行帐户，办理流程如下：中标人→在签定合同后的三个工作日内凭施工合同副本原件﹑招标人出具的“中标人投标保证金退还通知书”和中标人开具的收款收据到建设项目交易科申请退还投标保证金→建设项目交易科审核后按时将投标保证金退款通知书和中标人开具的收款收据交综合科→综合科财务人员再在二个工作日内按财务管理程序办理退款业务。</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span lang="EN-US"><font face="Times New Roman">7</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">、</span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">办理投标保证金入帐业务注意事项：</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">（</span><span lang="EN-US"><font face="Times New Roman">1</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">）投标人使用银行本票、华东三省一市汇票、农行系统的全国汇票汇交投标保证金的，办理入帐业务流程如下：</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">投标人→应在规定的交款截止时间前到综合科背书→农行</span><span lang="EN-US"><font face="Times New Roman">xxx</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">支行营业中心办理入帐；</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">（</span><span lang="EN-US"><font face="Times New Roman">2</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">）使用非农行的全国汇票、农村合作银行的省辖汇票、转帐支票汇交投标保证金的，办理入帐业务流程如下：</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">投标人→至少应在规定的交款截止时间</span><span lang="EN-US"><font face="Times New Roman">2</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">天前到综合科背书→农行</span><span lang="EN-US"><font face="Times New Roman">xx</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">支行营业中心办理收妥抵用；</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">（</span><span lang="EN-US"><font face="Times New Roman">3</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">）采用农行同系统加急电汇或非农行系统大、小额支付电汇方式汇交投标保证金的，办理入帐业务流程如下：</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">投标人→至少应在规定的交款截止时间</span><span lang="EN-US"><font face="Times New Roman">1</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">天前到投标人开户银行办理汇款业务；</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">（</span><span lang="EN-US"><font face="Times New Roman">4</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">）采用农行同系统普通电汇或</span><span lang="EN-US"><font face="Times New Roman">x</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">省农行范围内的网内通存方式汇交投标保证金的，办理入帐业务流程如下：</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">投标人→至少应在规定的交款截止时间</span><span lang="EN-US"><font face="Times New Roman">2</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">天前到投标人开户银行办理汇款业务；</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><font size="3"><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">以上几种入帐形式要求的时限是指受理银行在正常处理账务时所需的时间，仅供投标人参考。投标人还应充分考虑其它各种因素（如银行方面的原因或双休日、节假日等情况），提前办理投标保证金入帐业务，确保款项在规定的交款截止时间前到达</span><span lang="EN-US"><font face="Times New Roman">xx</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">市招投标中心投标保证金银行帐户。</span><span lang="EN-US"></span></font></p><p><font face="Times New Roman" size="3"> </font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><span lang="EN-US"><font face="Times New Roman" size="3"> </font></span><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><font size="3"><span lang="EN-US"><font face="Times New Roman">xxx</font></span><span style="FONT-FAMILY: 宋体; mso-hansi-font-family: ">市招投标中心</span><span lang="EN-US"></span></font></p><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><p /><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt"><span lang="EN-US"></span><p /><p /></p><p><font face="Times New Roman" size="3"> </font></p></p><p><font face="Times New Roman" size="3"> </font></p></p><p><font face="Times New Roman" size="3"> </font></p></p><p><font face="Times New Roman" size="3"> </font></p></p><p><font face="Times New Roman" size="3"> </font></p></p><p><font face="Times New Roman" size="3"> </font></p></span>