我国董事责任保险除外责任条款研究  

Research on Exclusion Clause of Director's Liability Insurance in China

作　　者：赵盈泽 ZHAO Yingze(School of Law,Beihang University,Beijing 100083,China)

机构地区：[1]北京航空航天大学法学院,北京100083

出　　处：《南海学刊》2024年第5期95-105,共11页The Journal of South China Sea Studies

基　　金：国家社会科学基金重大项目(17VHJ001);河南省法学会法学研究课题[HNCLS(2024)028]。

摘　　要：源自域外的董事责任保险在我国保险市场中依旧属于小众险种。检视我国相关规定与保险市场中董事责任保险的除外责任条款可知,我国董事责任保险除外责任条款存在《上市公司治理准则》第24条规定的除外责任范围过宽、缺乏示范条款的指引以及保险公司未能结合本土法律语境设计条款内容等问题。为解决上述问题,应贯彻彰显保险功能与防范道德风险的平衡,尊重公司个性与遵循示范指引的平衡,以及借鉴域外经验与立足本土语境的平衡等原则设计除外责任条款,并通过重塑《上市公司治理准则》第24条、制订指引性示范条款以及结合本土法律语境修改合同条款等措施优化董事责任保险的除外责任条款。Director's liability insurance originating from overseas is still a minority insurance in China's insurance market.Reviewing the relevant provisions and the exclusion clauses of director's liability insurance in the insurance market in China,it can be seen that the exclusion clauses of director's liability insurance in China are too wide in the scope of exclusion stipulated in Article 24 of the Code of Governance for Listed Companies,the lack of model clauses and the failure of insurance companies to design clauses based on the local legal context.In order to solve the above problems,the exclusions should be designed in accordance with the principles of balance between highlighting the insurance function and preventing moral hazard,balance between respecting corporate personality and following the model guidelines,and balance between drawing on foreign experience and basing on local context.The exclusion clause of director's liability insurance is optimized by reshaping Article 24 of the Code of Governance for Listed Companies,formulating guiding model clauses and modifying contract clauses in the context of local law.

关 键 词：董事责任保险 除外责任条款 道德风险 示范条款 法律语境 

分 类 号：F840.686[经济管理—保险]