美国董事责任保险市场研究

On Directors' and Officers' Liability Insurance Market in USA

20世纪80年代,美国的董事责任保险市场爆发了一场严重的危机。危机爆发后,许多保险公司在销售董事责任保险时采取了诸多的限制措施,一些保险公司甚至彻底退出了董事责任保险市场。在这种情况下,美国各州分别采取制定法和非制定法的方法来应对董事责任保险市场的危机,并取得了一定的成效。虽然目前我国的董事责任保险市场尚未达到美国那样的规模,但毋庸置疑的是,美国董事责任保险市场的危机及其应对措施对我国董事责任保险市场的发展具有很大的启发和借鉴意义。

In 1980s, a severe crisis broke out in the directors＇ and officers＇ liability insurance market in USA. After the crisis, many underwriters adopted restrictive measures in the sale of directors＇ and officers＇ liability insurance, or even quit the market. Then the states adopted both statutory laws and non-statutory laws to cope with the crisis and succeeded in a scale. Although the directors＇ and officers＇ liability insurance market in China is not as big as in USA, it is believed that some implications should be obtained from the crisis in USA and its countermeasures.