文献类型：期刊文献

中文题名：论证券虚假陈述保证保险

英文题名：On Securities Misrepresentation Guaranteed Insurance

作者：李志强[1]

第一作者：李志强

机构：[1]河南财经政法大学民商经济法学院,河南郑州450000

第一机构：河南财经政法大学法学院|河南财经政法大学民商经济法学院

年份：2022

期号：6

起止页码：130-138

中文期刊名：江西财经大学学报

外文期刊名：Journal of Jiangxi University of Finance and Economics

收录：CSTPCD;;国家哲学社会科学学术期刊数据库;北大核心:【北大核心2020】；CSSCI:【CSSCI2021_2022】；

基金：国家社会科学基金重大项目“黄河流域生态保护和高质量发展法律制度体系研究”(20&ZD185)。

语种：中文

中文关键词：投资者保护;金融跨域;保险治理;虚假陈述;虚假陈述保证保险

外文关键词：protection of investor;cross-disciplinary finance;insurancegovernance;misrepresentation;misrepresentation guaranteed insurance

摘要：证券发行要求进行真实、准确、完整的信息披露以保护投资者利益,中国现行的有关证券虚假陈述民事救济的制度尚不能全面保护受害的投资人。信托、保险、证券等不同的金融工具能够相互融合形成金融跨域,保险人可以跨域进入公司、证券领域加强治理与投资者保护,即可将保险人引入证券投资者保护领域而建立虚假陈述保证保险制度。保险人的介入能够保障责任人的赔付能力,为投资者供给权威信息,还可为市场增添有力的监督力量。在法理上,虚假陈述造成的损失具有可保性,足以为建立保证保险提供坚实法律基础,保险人具备进入此市场的充分意愿,保费应能保持在可负担的水平。在虚假陈述保证保险的具体制度建构方面,要注意构造合理的承保法律关系结构,明确可预期的理赔条件,限制保险人的免责事由,设置动态的保险赔付额度,赋予保险人追偿权,选择适当的监管机构,可考虑适用证券集团诉讼等。
To protect investor’s interest,real,accurate and full disclosure of information is required when issuing securities.But China’s current civil remedy system related to security misrepresentation cannot fully protect the investors yet.Cross-disciplinary finance could be achieved through integration of different financial instruments like trust,insurance,securities and so on.The insurer can cross into companies,security markets and other different fields to facilitate the governance and protection of investors,namely,the insurers can be introduced into the security investor protection domain to establish misrepresentation guaranteed insurance system.The involvement of insurers can guarantee the compensation ability of the person liable,supply authoritative information to investors,and provide powerful supervising force to the markets.Theoretically,the loss caused by misrepresentation is insurable,which is enough to provide solid legal foundation for the establishment of guaranteed insurance.Insurers have sufficient willingness to enter such markets,and the premium should be maintained at the affordable level.Regarding the concrete institutional construction of the misrepresentation guaranteed insurance,we should pay attention to the construction of reasonable structure for underwriting legal relationship,define the predictable conditions of claim settlement,restrict the exemption excuses of the insurers,set up the dynamic limit of insurance compensation,give recourse rights to insurers,choose appropriate regulatory agencies,andmay take into consideration the application of security group action,etc..