美国的董事责任保险制度

Directors and Officers Liability Insurance System in America

在现代市场经济条件下,任何一个企业要想从激烈的竞争中取得成功,有时必须冒一定的风险。而作为公司的经营决策机关,董事、经理等经营者就必须随时去面对这些风险。为了分散经营者在经营中的风险,使有才能的经营者放心、大胆地施展其经营管理才能,就必须有一系列救济其经营责任的措施,董事责任保险制度就被认为是其中最有效的一项。本文通过对董事责任保险最为普及的美国的该项制度的研究,探讨如何完善我国的董事责任保险制度。

Under the condition of modem market economy,any corporation that wants to succeed in drastic competi- tion must take some risks at some times.As decision - making bodies in a corporation,senior management including di- rectors and managers must face these risks at any moment.In order to disperse these risks,it is therefore necessary to strike up a series of measures to relieve the business responsibilities of directors and managers,so that these talented managers can boldly exert their management capabilities without much worry.Among all of the measures,Directors and Officers Liability Insurance is considered to be the most effective one.This article discusses how to improve China's Di- rectors and Officers Liability Insurance system by studying the same system in the United States where Directors and Offi- cers Liability Insurance is most widely accepted in the world.