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董事责任保险作为一种董事利益保护机制,不仅能有效化解董事的法律风险,保障投资人的合法利益,而且还能激发董事的经营潜力,有利于职业经理人阶层的形成。同时,保险公司通过对保单的审核还可以有效对公司进行外部监督。与国外相比,我国的董事责任保险合同在承保范围、除外责任上还存在一些问题。公司董事责任保险在发达国家和地区已很成熟,而在我国还是新生事物。公司董事责任保险制度是完善公司治理结构的重要制度,所以,应针对董事责任保险存在的问题采取相应的对策,以推进公司董事责任保险的发展,进而完善公司治理结构。
As a mechanism of directors’ interest protection, director liability insurance can not only effectively resolve the legal risks of directors and protect the legitimate interests of investors, but also stimulate the management potential of directors and benefit the formation of professional managers. In the meantime, the insurance company can effectively supervise the company through the review of the policy. Compared with foreign countries, China’s liability insurance contract directors in the coverage, except for the responsibility there are still some problems. Liability insurance of directors in the developed countries and regions have been very mature, but in our country is still a new thing. The liability insurance system of directors is an important system to perfect the structure of corporate governance. Therefore, countermeasures should be taken against the problems existing in the liability insurance of directors so as to promote the development of liability insurance of directors and improve the corporate governance structure.