【摘要】：現(xiàn)代社會(huì)，商業(yè)環(huán)境瞬息萬變，經(jīng)營(yíng)風(fēng)險(xiǎn)四處潛伏。如果讓董事及公司高管動(dòng)輒得咎，必然導(dǎo)致董事在作出經(jīng)營(yíng)決策時(shí)前瞻顧后，舉旗不定。顧應(yīng)為董事及高管提供適當(dāng)?shù)娘L(fēng)險(xiǎn)分散機(jī)制，以降低其在正常履行職務(wù)過程中可能遭受的責(zé)任風(fēng)險(xiǎn)。董事責(zé)任保險(xiǎn)就是一種很好的風(fēng)險(xiǎn)分散工具，在發(fā)生保險(xiǎn)事故時(shí)，由保險(xiǎn)人按合同約定向被保險(xiǎn)人賠償保險(xiǎn)金，減輕其賠償?shù)膲毫ΑＶ袊?guó)與德國(guó)同屬大陸法系，德國(guó)法的方法、德國(guó)法的精神已深深扎根于中國(guó)的法學(xué)中。20世紀(jì)80年代起，董事責(zé)任保險(xiǎn)在德國(guó)施行。經(jīng)過階段性的制度調(diào)試和產(chǎn)品改良創(chuàng)新，董事責(zé)任保險(xiǎn)在德國(guó)的市場(chǎng)蓬勃發(fā)展。鑒于大陸與德國(guó)具有法律傳統(tǒng)上的同一性和可借鑒性，作者以德國(guó)董事責(zé)任保險(xiǎn)的發(fā)展為研究該制度的切入點(diǎn)，在德國(guó)法層面上介紹并分析這一保險(xiǎn)制度的設(shè)計(jì)特點(diǎn)和運(yùn)行狀況，從德國(guó)制度的移植和產(chǎn)品創(chuàng)新中尋找完善我國(guó)董事責(zé)任保險(xiǎn)制度設(shè)計(jì)的良方和啟示。 為突破目前多數(shù)研究德國(guó)董事責(zé)任保險(xiǎn)論文僅就部分問題或單個(gè)產(chǎn)品進(jìn)行研究的視角局限，本文試圖對(duì)不同的董事責(zé)任保險(xiǎn)產(chǎn)品模型條款進(jìn)行概括性研究，并以德國(guó)市場(chǎng)上所提供的董事責(zé)任保險(xiǎn)產(chǎn)品為基礎(chǔ)，從德國(guó)法角度對(duì)其進(jìn)行分析、理解和分類。本文的基礎(chǔ)研究主要有二個(gè)方面：一是對(duì)董事責(zé)任保險(xiǎn)進(jìn)行基礎(chǔ)理論分析，界定董事責(zé)任保險(xiǎn)的概念、性質(zhì)和分類；介紹董事責(zé)任保險(xiǎn)的產(chǎn)生、發(fā)展和現(xiàn)狀；分析了董事責(zé)任保險(xiǎn)的制度設(shè)計(jì)樣板和社會(huì)根源。二是分析德國(guó)董事責(zé)任保險(xiǎn)合同的內(nèi)容設(shè)計(jì)。以德國(guó)保險(xiǎn)業(yè)聯(lián)合總會(huì)（GDV）所制定的模板條款為基礎(chǔ)，闡釋德國(guó)保險(xiǎn)市場(chǎng)的指導(dǎo)原則，，對(duì)保險(xiǎn)合同內(nèi)容及條款進(jìn)行分析。本文的探索性研究主要有兩個(gè)方面：一是分析德國(guó)董事責(zé)任保險(xiǎn)運(yùn)行中的法律問題。主要探討了保金抵扣的司法標(biāo)準(zhǔn)問題、董事責(zé)任與保費(fèi)的處理問題、特殊風(fēng)險(xiǎn)的認(rèn)定問題。二是提煉德國(guó)董事責(zé)任保險(xiǎn)的特色，總結(jié)和歸納董事責(zé)任保險(xiǎn)制度的德國(guó)化印記，預(yù)測(cè)其發(fā)展趨勢(shì)，提出學(xué)習(xí)借鑒德國(guó)董事責(zé)任保險(xiǎn)制度的幾個(gè)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.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2013
【分類號(hào)】：D951.6

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