德国董事责任保险制度设计及运行研究
发布时间：2018-08-13 17:58
【摘要】：现代社会，商业环境瞬息万变，经营风险四处潜伏。如果让董事及公司高管动辄得咎，必然导致董事在作出经营决策时前瞻顾后，举旗不定。顾应为董事及高管提供适当的风险分散机制，以降低其在正常履行职务过程中可能遭受的责任风险。董事责任保险就是一种很好的风险分散工具，在发生保险事故时，由保险人按合同约定向被保险人赔偿保险金，减轻其赔偿的压力。中国与德国同属大陆法系，德国法的方法、德国法的精神已深深扎根于中国的法学中。20世纪80年代起，董事责任保险在德国施行。经过阶段性的制度调试和产品改良创新，董事责任保险在德国的市场蓬勃发展。鉴于大陆与德国具有法律传统上的同一性和可借鉴性，作者以德国董事责任保险的发展为研究该制度的切入点，在德国法层面上介绍并分析这一保险制度的设计特点和运行状况，从德国制度的移植和产品创新中寻找完善我国董事责任保险制度设计的良方和启示。 为突破目前多数研究德国董事责任保险论文仅就部分问题或单个产品进行研究的视角局限，本文试图对不同的董事责任保险产品模型条款进行概括性研究，并以德国市场上所提供的董事责任保险产品为基础，从德国法角度对其进行分析、理解和分类。本文的基础研究主要有二个方面：一是对董事责任保险进行基础理论分析，界定董事责任保险的概念、性质和分类；介绍董事责任保险的产生、发展和现状；分析了董事责任保险的制度设计样板和社会根源。二是分析德国董事责任保险合同的内容设计。以德国保险业联合总会（GDV）所制定的模板条款为基础，阐释德国保险市场的指导原则，，对保险合同内容及条款进行分析。本文的探索性研究主要有两个方面：一是分析德国董事责任保险运行中的法律问题。主要探讨了保金抵扣的司法标准问题、董事责任与保费的处理问题、特殊风险的认定问题。二是提炼德国董事责任保险的特色，总结和归纳董事责任保险制度的德国化印记，预测其发展趋势，提出学习借鉴德国董事责任保险制度的几个方面。
[Abstract]:Modern society, the business environment changes rapidly, business risk lurks everywhere. If directors and company executives can easily be blamed, it will inevitably lead to directors looking forward to making business decisions, holding the flag of uncertainty. It should provide appropriate risk dispersal mechanisms for directors and executives to reduce the risk of liability they may incur in the course of their normal performance of their duties. Director's liability insurance is a kind of good risk dispersing tool. In case of insurance accident, the insurer will compensate the insured according to the agreement of contract, so as to lighten the pressure of compensation. China and Germany belong to the same civil law system, the method of German law, the spirit of German law has been deeply rooted in the law of China since the 1980s, the director's liability insurance has been carried out in Germany. Through systematic adjustment and product improvement innovation, director liability insurance is booming in German market. In view of the fact that the mainland and Germany are traditionally identical and can be used for reference, the author takes the development of German directors' liability insurance as the starting point to study the system. This paper introduces and analyzes the design characteristics and operation status of this insurance system from the German law level, and from the transplant of German system and the innovation of products, the author tries to find a good way and enlightenment to perfect the design of director's liability insurance system in our country. In order to break through the limitations of most of the current research papers on directors' liability insurance in Germany, this paper attempts to make a general study on the terms of different models of directors' liability insurance products, either on some issues or on a single product. Based on the director's liability insurance offered in German market, this paper analyzes, understands and classifies it from the angle of German law. The basic research of this paper mainly has two aspects: first, carries on the basic theory analysis to the director liability insurance, defines the director liability insurance concept, the nature and the classification, introduces the director liability insurance generation, the development and the present situation; This paper analyzes the system design model and social root of director liability insurance. The second is to analyze the German director liability insurance contract content design. Based on the template clause made by (GDV), the guiding principle of German insurance market is explained, and the contents and terms of insurance contract are analyzed. There are two main aspects in this paper: one is to analyze the legal problems in the operation of German director's liability insurance. This paper mainly discusses the problems of the judicial standard, the handling of directors' liability and premium, and the determination of special risk. The second is to refine the characteristics of German directors' liability insurance, summarize and sum up the German imprint of directors' liability insurance system, forecast its development trend, and put forward several aspects to learn from the German director's liability insurance system.
【学位授予单位】：吉林大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：D951.6
本文编号：2181752
[Abstract]:Modern society, the business environment changes rapidly, business risk lurks everywhere. If directors and company executives can easily be blamed, it will inevitably lead to directors looking forward to making business decisions, holding the flag of uncertainty. It should provide appropriate risk dispersal mechanisms for directors and executives to reduce the risk of liability they may incur in the course of their normal performance of their duties. Director's liability insurance is a kind of good risk dispersing tool. In case of insurance accident, the insurer will compensate the insured according to the agreement of contract, so as to lighten the pressure of compensation. China and Germany belong to the same civil law system, the method of German law, the spirit of German law has been deeply rooted in the law of China since the 1980s, the director's liability insurance has been carried out in Germany. Through systematic adjustment and product improvement innovation, director liability insurance is booming in German market. In view of the fact that the mainland and Germany are traditionally identical and can be used for reference, the author takes the development of German directors' liability insurance as the starting point to study the system. This paper introduces and analyzes the design characteristics and operation status of this insurance system from the German law level, and from the transplant of German system and the innovation of products, the author tries to find a good way and enlightenment to perfect the design of director's liability insurance system in our country. In order to break through the limitations of most of the current research papers on directors' liability insurance in Germany, this paper attempts to make a general study on the terms of different models of directors' liability insurance products, either on some issues or on a single product. Based on the director's liability insurance offered in German market, this paper analyzes, understands and classifies it from the angle of German law. The basic research of this paper mainly has two aspects: first, carries on the basic theory analysis to the director liability insurance, defines the director liability insurance concept, the nature and the classification, introduces the director liability insurance generation, the development and the present situation; This paper analyzes the system design model and social root of director liability insurance. The second is to analyze the German director liability insurance contract content design. Based on the template clause made by (GDV), the guiding principle of German insurance market is explained, and the contents and terms of insurance contract are analyzed. There are two main aspects in this paper: one is to analyze the legal problems in the operation of German director's liability insurance. This paper mainly discusses the problems of the judicial standard, the handling of directors' liability and premium, and the determination of special risk. The second is to refine the characteristics of German directors' liability insurance, summarize and sum up the German imprint of directors' liability insurance system, forecast its development trend, and put forward several aspects to learn from the German director's liability insurance system.
【学位授予单位】：吉林大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：D951.6
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