本文選題：董事責(zé)任 + 責(zé)任保險��； 參考：《山東大學(xué)》2010年碩士論文

【摘要】： 董事責(zé)任保險,全稱為“公司董事和高級職員責(zé)任保險(Directors Officers Liability Insurance)",是以董事、經(jīng)理向公司或第三者(股東、債權(quán)人等)承擔(dān)民事賠償責(zé)任為保險標(biāo)的的一種保險制度。這種制度可以將公司的董事和高級職員所承擔(dān)的責(zé)任風(fēng)險部分地轉(zhuǎn)嫁給保險公司,由保險公司按保險合同約定來承擔(dān)董事和高級職員由于職責(zé)失誤而導(dǎo)致的經(jīng)濟(jì)賠償責(zé)任。 在歐美發(fā)達(dá)國家,絕大多數(shù)的上市公司都為自己的董事及高級職員購買了董事責(zé)任保險。董事責(zé)任保險制度能夠迅速發(fā)展,說明其存在具有必要性。美國的公司法理論認(rèn)為,董事責(zé)任保險制度保護(hù)無辜的董事和高級職員免受那些不正當(dāng)?shù)闹肛?zé),鼓勵了有能力的人士接受董事和高級職員職位,并阻止了惡意股東的無聊訴訟。 在經(jīng)濟(jì)全球化的趨勢下,我國的經(jīng)濟(jì)已經(jīng)融入世界經(jīng)濟(jì)的大潮之中。隨著我國政府改善公司治理結(jié)構(gòu)力度的增大,上市公司董事因違法違規(guī)而受到中國證監(jiān)會懲處的情況逐年增多。越來越多的董事逐漸意識到自己的風(fēng)險有多大,紛紛尋求規(guī)避方式。并且隨著經(jīng)濟(jì)的發(fā)展,越來越多的公司到海外去尋求更大的發(fā)展,為了使這些公司能在全球化的競爭中得到一席之地,也必須要建立完善的董事責(zé)任保險,消除董事和高級職員的后顧之憂,讓他們放心大膽地發(fā)揮自己的潛能。 自2002年1月23日中國平安保險公司向萬科企業(yè)股份有限公司簽發(fā)第一份董事責(zé)任保險單以來,八年已經(jīng)過去,董事責(zé)任保險制度雖略有發(fā)展,但現(xiàn)狀慘淡。在制度方面,現(xiàn)階段關(guān)于董事責(zé)任保險的法律制度不健全,即使在存在的極少數(shù)關(guān)于董事責(zé)任保險制度的規(guī)定中,內(nèi)容不夠具體,而且立法層次比較低,沒有基本法律層面的基礎(chǔ)性規(guī)定。在實踐方面,隨著社會討論的深入,雖然公司管理層對董事責(zé)任保險認(rèn)識的加深,國家有關(guān)強(qiáng)化董事及高級職員法律責(zé)任的法律頒布,陸續(xù)有公司購買董事責(zé)任保險,但董事責(zé)任保險市場發(fā)展仍然很緩慢。這與我國董事責(zé)任保險的理論與實踐上的不足不無關(guān)系,值得我們探究。 在建立我國董事責(zé)任保險制度的過程中,我們應(yīng)盡可能地立足于我國現(xiàn)有的立法,完善董事責(zé)任保險制度的相關(guān)立法,并結(jié)合我國實際,借鑒、吸收、移植國外的立法成就和實踐經(jīng)驗,從而建立符合中國國情的董事責(zé)任保險機(jī)制,這不僅對于目前我國公司經(jīng)濟(jì)和保險業(yè)的發(fā)展,而且對于經(jīng)濟(jì)、社會的長遠(yuǎn)發(fā)展和法律制度的完善,都有著極為重要的意義。
[Abstract]:Directors' liability insurance, which is called "directors' and officers' liability insurance directors Officers Liability Insurance)", is an insurance system in which directors and managers assume civil liability to the company or to third parties (shareholders, creditors, etc.). This kind of system can transfer the liability risk of directors and officers to the insurance company in part, and the insurance company will bear the financial compensation liability caused by the director and the officer because of the mistake of duty according to the agreement of insurance contract. In European and American developed countries, the vast majority of listed companies have taken out director liability insurance for their directors and officers. The director's liability insurance system can develop rapidly, which shows the necessity of its existence. According to the theory of corporate law in the United States, the system of directors liability insurance protects innocent directors and officers from improper accusations, encourages those who have the ability to accept the positions of directors and officers, and prevents boring lawsuits by malicious shareholders. In the trend of economic globalization, China's economy has been integrated into the tide of the world economy. With the increase of our government's efforts to improve the corporate governance structure, the number of directors of listed companies punished by CSRC has increased year by year for violating the laws and regulations. More and more directors are becoming aware of how risky they are and looking for ways to avoid it. And with the development of the economy, more and more companies go overseas to seek greater development. In order for these companies to gain a place in the global competition, they must also establish perfect directors' liability insurance. Remove the worries of directors and officers and give them the confidence to develop their potential boldly. Eight years have passed since China Ping an Insurance Company issued the first director liability insurance policy to Vanke Enterprise Co., Ltd. on January 23, 2002. Although the director liability insurance system has developed slightly, the present situation is bleak. In terms of system, the current legal system on directors' liability insurance is not perfect. Even in the very few provisions on directors' liability insurance system, the content is not specific enough, and the legislative level is relatively low. There are no basic legal provisions. In practice, with the deepening of social discussions, although the management of the company has a deeper understanding of directors' liability insurance, a national law on strengthening the legal liability of directors and officers has been promulgated, and companies have successively purchased directors' liability insurance. But the director liability insurance market is still slow. It has something to do with the deficiency of the theory and practice of director's liability insurance in our country. In the process of establishing the director's liability insurance system in our country, we should try our best to base ourselves on the existing legislation, perfect the relevant legislation of director's liability insurance system, and combine with the reality of our country, draw lessons from and absorb, Transplanting foreign legislative achievements and practical experience to establish a director's liability insurance mechanism in line with China's national conditions, this is not only for the development of our company economy and insurance industry, but also for the economy. The long-term development of the society and the perfection of the legal system are of great significance.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2010
【分類號】：D922.284

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