论我国破产管理人执业责任保险的双重治理机制

ON THE DUAL GOVERNANCE MECHANISM OF THE BANKRUPTCY TRUSTEE PROFESSIONAL’S LIABILITY INSURANCE IN CHINA

在我国破产管理人执业责任保险的治理实践中已经初步形成了法律与声誉并举的双重治理机制。法律为相关利益主体提供行为模式和规制体系,声誉通过市场驱逐式惩罚,吓阻管理人潜在的违法行为。但这一治理机制在法律层面存在破产管理人忠实义务规定不清、执业责任保险条款设计有待完善等问题,在声誉层面存在声誉机制发挥作用的社会条件不充分以及破产管理人行业协会声誉累积不足等缺陷。因此,应完善破产管理人忠实义务的标准体系,以多元法律机制促进管理人责任保险发展,解决法律层面存在的问题。通过优化声誉机制作用的社会条件、强化破产管理人行业协会建设,弥补声誉层面存在的缺陷,以实现这一双重治理机制的优化,促进中国经验的广泛适用。

In the governance practice of China’s bankruptcy trustee professional’s liability insurance, a dual governance mechanism with both law and reputation has been initially formed. Law provides behavior patterns and regulation systems for relevant stakeholders, and reputation deters managers from potential illegal activities through market expulsion.However, in this governance mechanism, there are some problems at the legal level, such as the unclear provisions of the bankruptcy trustee’s loyalty obligation and the design of the practice liability insurance clause needs to be improved. At the reputation level, there are some defects, such as insufficient social conditions for the reputation mechanism to play its role and insufficient reputation accumulation of the bankruptcy trustee’s trade associations. Therefore, the standard system of the bankruptcy trustee’s loyalty obligation and trustee’s liability insurance with multiple legal mechanisms, shall solve the problems existing in the legal level, and the defects existing in the reputation level should be resolved by optimizing the social conditions of the reputation mechanism and strengthening the construction of the bankruptcy trustee’s trade association, so that the dual governance mechanism could be enhanced and the Chinese experience could be widely applied across the globe.