中国董事责任保险发展研究
发布时间：2019-04-15 21:46
【摘要】：投资市场健康有序的发展是社会进步和经济繁荣的重要保障,同时也和人民生活水平的提高有着千丝万缕的联系,能否保障投资者的利益关系到投资市场的兴衰,当企业经营不善时董事责任险恰好可以保障投资者的利益,减少投资者的损失。与发达国家相比,我国董事责任险起步晚,法律不健全,社会普及程度不高。董事责任险条款不符合国情,法律不健全,人们意识不足等成了董事责任险发展的障碍。怎样发展董事责任险成了关系到投资者利益的重要问题。发展董事责任险可以保障投资者利益,减少公司债务压力,有利于公司创新,社会平稳发展。完善董事责任险成了利国利民的大事,具有很重要的意义。本文除了绪论还包括四部分:第一部分阐述董事责任险的发展概况、与相关法律、责任范围、保费考虑因素和发展的意义,第一份董事责任险保单诞生于1930年,在英美等国最先得到认可,之后在日本等国得到了发展,但发展也是比较曲折的,出现了股东诉讼被滥用等问题。意义主要是从促进创新、保护股东利益、加快法律法规完善、加强监督等方面进行阐述。第二部分阐述我国董事责任险的现状和问题的分析,我国现在已经有平安、华泰、美国美亚、中国人保等保险公司推出董事责任险,但是截至2010年11月为止上市公司对该保险的投保率大约有5%,而对比美国97%、新加坡88%,差距不可小视。问题主要从公司治理结构、责任与义务规定的不足、保险部分条款的制定等方面进行分析。第三部分主要通过对德国、美国、日本特点进行分析从而得到启示,比如证券民事赔偿制度的完善、公司结构的优化和保险合同的调节等。第四部分提出建议,包括保护股东权利和防止滥用权力相结合、合理分担诉讼费用和加强对董事责任险的宣传力度等方面。
[Abstract]:The healthy and orderly development of the investment market is an important guarantee for social progress and economic prosperity. At the same time, it is inextricably linked with the improvement of people's living standards. Whether or not the interests of investors can be guaranteed is related to the rise and fall of the investment market. The directors' liability insurance can protect the investors' interests and reduce the investors' losses when the business is not well-run. Compared with developed countries, directors' liability insurance of our country starts late, the law is not perfect, and the degree of social popularization is not high. The provisions of directors' liability insurance do not accord with the national conditions, the law is not perfect, and people's consciousness is not enough, which has become the obstacle to the development of directors' liability insurance. How to develop director liability insurance has become an important issue related to the interests of investors. The development of director liability insurance can protect the interests of investors, reduce the corporate debt pressure, is conducive to corporate innovation, stable development of the society. It is of great significance to perfect the liability insurance of directors for the benefit of the country and the people. In addition to the introduction, this article also includes four parts: the first part describes the development of directors liability insurance, and related laws, scope of responsibility, premium considerations and the significance of development, the first director liability insurance policy was born in 1930, First recognized in the United Kingdom, the United States and other countries, then in Japan and other countries have been developed, but the development is also more tortuous, such as the abuse of shareholder litigation and other issues. The significance is mainly from promoting innovation, protecting shareholders' interests, speeding up the perfection of laws and regulations, strengthening supervision and so on. The second part expounds the current situation and problems of directors' liability insurance in China. Now there are some insurance companies, such as Ping an, Huatai, American Asia, China people's Insurance and other insurance companies, which have introduced directors' liability insurance. But as of November 2010, the insurance coverage rate for listed companies was about 5 percent, compared with 97 percent in the United States and 88 percent in Singapore. The problems are mainly analyzed from the aspects of corporate governance structure, the deficiency of responsibilities and obligations, and the formulation of some insurance clauses. The third part mainly through the analysis of the characteristics of Germany, the United States, Japan to get inspiration, such as the improvement of civil compensation system, the optimization of corporate structure and the regulation of insurance contracts and so on. The fourth part puts forward some suggestions, including the combination of protection of shareholders' rights and prevention of abuse of power, reasonable sharing of litigation costs and strengthening of publicity on directors' liability insurance.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.6
本文编号：2458522
[Abstract]:The healthy and orderly development of the investment market is an important guarantee for social progress and economic prosperity. At the same time, it is inextricably linked with the improvement of people's living standards. Whether or not the interests of investors can be guaranteed is related to the rise and fall of the investment market. The directors' liability insurance can protect the investors' interests and reduce the investors' losses when the business is not well-run. Compared with developed countries, directors' liability insurance of our country starts late, the law is not perfect, and the degree of social popularization is not high. The provisions of directors' liability insurance do not accord with the national conditions, the law is not perfect, and people's consciousness is not enough, which has become the obstacle to the development of directors' liability insurance. How to develop director liability insurance has become an important issue related to the interests of investors. The development of director liability insurance can protect the interests of investors, reduce the corporate debt pressure, is conducive to corporate innovation, stable development of the society. It is of great significance to perfect the liability insurance of directors for the benefit of the country and the people. In addition to the introduction, this article also includes four parts: the first part describes the development of directors liability insurance, and related laws, scope of responsibility, premium considerations and the significance of development, the first director liability insurance policy was born in 1930, First recognized in the United Kingdom, the United States and other countries, then in Japan and other countries have been developed, but the development is also more tortuous, such as the abuse of shareholder litigation and other issues. The significance is mainly from promoting innovation, protecting shareholders' interests, speeding up the perfection of laws and regulations, strengthening supervision and so on. The second part expounds the current situation and problems of directors' liability insurance in China. Now there are some insurance companies, such as Ping an, Huatai, American Asia, China people's Insurance and other insurance companies, which have introduced directors' liability insurance. But as of November 2010, the insurance coverage rate for listed companies was about 5 percent, compared with 97 percent in the United States and 88 percent in Singapore. The problems are mainly analyzed from the aspects of corporate governance structure, the deficiency of responsibilities and obligations, and the formulation of some insurance clauses. The third part mainly through the analysis of the characteristics of Germany, the United States, Japan to get inspiration, such as the improvement of civil compensation system, the optimization of corporate structure and the regulation of insurance contracts and so on. The fourth part puts forward some suggestions, including the combination of protection of shareholders' rights and prevention of abuse of power, reasonable sharing of litigation costs and strengthening of publicity on directors' liability insurance.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.6
【参考文献】
相关期刊论文 前2条
1 黄华均,刘玉屏;董事责任保险——制度变迁的法律分析[J];河北法学;2004年04期
2 岳然;;论独立董事责任保险制度在我国面临的困境及原因[J];南方论刊;2007年04期
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