【摘要】：投資市場健康有序的發(fā)展是社會進步和經(jīng)濟繁榮的重要保障,同時也和人民生活水平的提高有著千絲萬縷的聯(lián)系,能否保障投資者的利益關(guān)系到投資市場的興衰,當企業(yè)經(jīng)營不善時董事責任險恰好可以保障投資者的利益,減少投資者的損失。與發(fā)達國家相比,我國董事責任險起步晚,法律不健全,社會普及程度不高。董事責任險條款不符合國情,法律不健全,人們意識不足等成了董事責任險發(fā)展的障礙。怎樣發(fā)展董事責任險成了關(guān)系到投資者利益的重要問題。發(fā)展董事責任險可以保障投資者利益,減少公司債務壓力,有利于公司創(chuàng)新,社會平穩(wěn)發(fā)展。完善董事責任險成了利國利民的大事,具有很重要的意義。本文除了緒論還包括四部分:第一部分闡述董事責任險的發(fā)展概況、與相關(guān)法律、責任范圍、保費考慮因素和發(fā)展的意義,第一份董事責任險保單誕生于1930年,在英美等國最先得到認可,之后在日本等國得到了發(fā)展,但發(fā)展也是比較曲折的,出現(xiàn)了股東訴訟被濫用等問題。意義主要是從促進創(chuàng)新、保護股東利益、加快法律法規(guī)完善、加強監(jiān)督等方面進行闡述。第二部分闡述我國董事責任險的現(xiàn)狀和問題的分析,我國現(xiàn)在已經(jīng)有平安、華泰、美國美亞、中國人保等保險公司推出董事責任險,但是截至2010年11月為止上市公司對該保險的投保率大約有5%,而對比美國97%、新加坡88%,差距不可小視。問題主要從公司治理結(jié)構(gòu)、責任與義務規(guī)定的不足、保險部分條款的制定等方面進行分析。第三部分主要通過對德國、美國、日本特點進行分析從而得到啟示,比如證券民事賠償制度的完善、公司結(jié)構(gòu)的優(yōu)化和保險合同的調(diào)節(jié)等。第四部分提出建議,包括保護股東權(quán)利和防止濫用權(quán)力相結(jié)合、合理分擔訴訟費用和加強對董事責任險的宣傳力度等方面。
[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.
【學位授予單位】：遼寧大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F842.6

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本文編號：2458522