{"id":7228,"date":"2025-03-22T12:40:47","date_gmt":"2025-03-22T05:40:47","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=7228"},"modified":"2025-03-22T12:40:47","modified_gmt":"2025-03-22T05:40:47","slug":"risiko-hukum-dan-finansial-yang-dihadapi-direktur-tanpa-do-insurance","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/zh\/risiko-hukum-dan-finansial-yang-dihadapi-direktur-tanpa-do-insurance\/","title":{"rendered":"\u6c92\u6709\u8cfc\u8cb7 D&O \u4fdd\u96aa\u7684\u8463\u4e8b\u9762\u81e8\u7684\u6cd5\u5f8b\u548c\u8ca1\u52d9\u98a8\u96aa"},"content":{"rendered":"

Liga Asuransi<\/span><\/a> – \u5411\u57f7\u884c\u9577\u3001\u8463\u4e8b\u3001\u9ad8\u7ba1\u3001\u6240\u6709\u8005\u548c\u516c\u53f8\u9ad8\u7ba1\u81f4\u4ee5\u554f\u5019\uff01<\/span><\/p>\n

\u4f60\u597d\u55ce\uff1f\u795d\u60a8\u7684\u751f\u610f\u9806\u5229\uff0c\u4e0d\u65b7\u767c\u5c55\uff01\u6b61\u8fce\u4f86\u5230\u9019\u500b\u535a\u5ba2\uff0c\u5b83\u7e3d\u662f\u63d0\u4f9b\u6709\u95dc\u98a8\u96aa\u7ba1\u7406\u548c\u4fdd\u96aa\u7684\u6df1\u5165\u8a0e\u8ad6\uff0c\u7279\u5225\u662f\u91dd\u5c0d\u5546\u696d\u9818\u8896\u548c\u516c\u53f8\u9ad8\u7ba1\u3002<\/span><\/p>\n

\u4eca\u5929\u6211\u5011\u8981\u8a0e\u8ad6\u7684\u662f\u5546\u696d\u4fdd\u8b77\u7684\u4e00\u500b\u91cd\u8981\u65b9\u9762\uff0c\u5373 <\/span>\u8463\u4e8b\u53ca\u9ad8\u968e\u4e3b\u7ba1 (D&O) \u4fdd\u96aa<\/span><\/a>\u3002\u8a72\u4fdd\u96aa\u70ba\u516c\u53f8\u5b98\u54e1\u63d0\u4f9b\u6cd5\u5f8b\u548c\u8ca1\u52d9\u4fdd\u8b77\uff0c\u4f7f\u5176\u514d\u53d7\u4f86\u81ea\u80a1\u6771\u3001\u54e1\u5de5\u3001\u76e3\u7ba1\u6a5f\u69cb\u548c\u7b2c\u4e09\u65b9\u7684\u5404\u7a2e\u8981\u6c42\u3002\u5982\u679c\u6c92\u6709\u8db3\u5920\u7684\u4fdd\u8b77\uff0c\u8a34\u8a1f\u98a8\u96aa\u53ef\u80fd\u6703\u5a01\u8105\u60a8\u7684\u500b\u4eba\u8ca1\u52d9\u548c\u696d\u52d9\u7684\u9023\u7e8c\u6027\u3002<\/span><\/p>\n

\u5982\u679c\u60a8\u89ba\u5f97\u672c\u6587\u6709\u7528\uff0c\u8acb\u8207\u60a8\u7684\u540c\u4e8b\u5206\u4eab\uff0c\u8b93\u66f4\u591a\u9ad8\u968e\u4e3b\u7ba1\u4e86\u89e3D&O\u4fdd\u96aa\u7684\u91cd\u8981\u6027\u3002\u4e0d\u8981\u5fd8\u8a18\uff0c\u60a8\u9084\u53ef\u4ee5\u5728\u6b64\u90e8\u843d\u683c\u4e0a\u627e\u5230\u6578\u767e\u7bc7\u6709\u95dc\u5546\u696d\u98a8\u96aa\u3001\u4fdd\u96aa\u4fdd\u969c\u548c\u98a8\u96aa\u7de9\u89e3\u7b56\u7565\u7684\u5176\u4ed6\u6587\u7ae0\u3002<\/span><\/p>\n

\u8463\u4e8b\u548c\u57f7\u884c\u5b98\u5728\u7ba1\u7406\u516c\u53f8\u548c\u78ba\u4fdd\u696d\u52d9\u9023\u7e8c\u6027\u65b9\u9762\u8ca0\u6709\u4e3b\u8981\u8cac\u4efb\u3002\u4ed6\u5011\u5fc5\u9808\u505a\u51fa\u7b56\u7565\u6c7a\u7b56\u3001\u7ba1\u7406\u8cc7\u6e90\u4e26\u78ba\u4fdd\u9075\u5b88\u9069\u7528\u7684\u6cd5\u898f\u3002\u7136\u800c\uff0c\u5728\u5c65\u884c\u8077\u8cac\u6642\uff0c\u4ed6\u5011\u4e5f\u9762\u81e8\u5404\u7a2e\u6cd5\u5f8b\u548c\u8ca1\u52d9\u98a8\u96aa\uff0c\u53ef\u80fd\u5f71\u97ff\u516c\u53f8\u7684\u7a69\u5b9a\u6027\u53ca\u5176\u500b\u4eba\u8ca1\u52d9\u72c0\u6cc1\u3002<\/span><\/p>\n

\u5728\u5370\u5ea6\u5c3c\u897f\u4e9e\uff0c\u8a31\u591a\u516c\u53f8\u56e0\u80a1\u6771\u3001\u54e1\u5de5\u3001\u76e3\u7ba1\u6a5f\u69cb\u6216\u7b2c\u4e09\u65b9\u7684\u8a34\u8a1f\u800c\u9762\u81e8\u6cd5\u5f8b\u6311\u6230\u3002\u7ba1\u7406\u4e0d\u5584\u3001\u4e0d\u9075\u5b88\u898f\u5b9a\u6216\u6d89\u5acc\u758f\u5ffd\u884c\u70ba\u53ef\u80fd\u6703\u5c0e\u81f4\u5c0d\u8463\u4e8b\u500b\u4eba\u69cb\u6210\u5a01\u8105\u7684\u8a34\u8a1f\u3002\u9ad8\u6602\u7684\u8a34\u8a1f\u8cbb\u7528\u3001\u6f5b\u5728\u7684\u5de8\u984d\u640d\u5931\u4ee5\u53ca\u5c0d\u8072\u8b7d\u7684\u5f71\u97ff\u53ef\u80fd\u975e\u5e38\u6709\u5bb3\u3002<\/span><\/p>\n

\u5982\u679c\u6c92\u6709\u8463\u4e8b\u53ca\u9ad8\u968e\u4e3b\u7ba1 (D&O) \u4fdd\u96aa\uff0c\u8463\u4e8b\u5c07\u4e0d\u5f97\u4e0d\u7528\u5176\u500b\u4eba\u8cc7\u7522\u4f86\u9762\u5c0d\u6240\u6709\u9019\u4e9b\u5f8c\u679c\u3002\u56e0\u6b64\uff0cD&O \u4fdd\u96aa\u4fdd\u969c\u5c0d\u65bc\u9ad8\u968e\u4e3b\u7ba1\u548c\u4f01\u696d\u9818\u5c0e\u8005\u4f86\u8aaa\u975e\u5e38\u91cd\u8981\uff0c\u9019\u6a23\u4ed6\u5011\u5c31\u53ef\u4ee5\u66f4\u6709\u4fe1\u5fc3\u5730\u5c65\u884c\u8077\u8cac\uff0c\u800c\u4e0d\u5fc5\u64d4\u5fc3\u904e\u5ea6\u7684\u6cd5\u5f8b\u548c\u8ca1\u52d9\u5a01\u8105\u3002<\/span><\/p>\n

 <\/p>\n

\u91dd\u5c0d\u8463\u4e8b\u548c\u57f7\u884c\u5b98\u7684\u8a34\u8a1f\u985e\u578b\u00a0<\/span><\/h3>\n

\u6c92\u6709 <\/span>\u8463\u4e8b\u53ca\u8463\u4e8b\u4fdd\u96aa<\/span><\/a>\u3001\u8463\u4e8b\u548c\u57f7\u884c\u5b98\u53ef\u80fd\u9762\u81e8\u5404\u7a2e\u985e\u578b\u7684\u8a34\u8a1f\uff0c\u9019\u4e9b\u8a34\u8a1f\u6709\u53ef\u80fd\u9020\u6210\u8ca1\u52d9\u548c\u8072\u8b7d\u640d\u5bb3\u3002\u4e00\u4e9b\u5e38\u898b\u7684\u8a34\u8a1f\u985e\u578b\u5305\u62ec\uff1a<\/span><\/p>\n

1\u3001\u80a1\u6771\u8a34\u8a1f<\/b><\/p>\n

\u5982\u679c\u80a1\u6771\u8a8d\u70ba\u8463\u4e8b\u6240\u63a1\u53d6\u7684\u653f\u7b56\u5c0d\u516c\u53f8\u4e0d\u5229\uff0c\u5247\u53ef\u4ee5\u8d77\u8a34\u8463\u4e8b\uff0c\u4f8b\u5982\uff1a<\/span><\/p>\n

    \n
  1. \u932f\u8aa4\u7684\u6295\u8cc7\u6c7a\u7b56\u6703\u5c0e\u81f4\u5de8\u5927\u7684\u640d\u5931\u3002<\/span><\/li>\n
  2. \u9055\u53cd\u4fe1\u8a17\u7fa9\u52d9\uff0c\u4f8b\u5982\u5229\u7528\u516c\u53f8\u8cc7\u91d1\u8b00\u53d6\u500b\u4eba\u5229\u76ca\u3002<\/span><\/li>\n
  3. \u4e0d\u62ab\u9732\u8ca1\u52d9\u4fe1\u606f\uff0c\u9055\u53cd\u4e86 OJK \u898f\u5b9a\u3002<\/span><\/li>\n<\/ol>\n

    2\u3001\u54e1\u5de5\u8a34\u8a1f<\/b><\/p>\n

    \u54e1\u5de5\u53ef\u4ee5\u5c0d\u8463\u4e8b\u548c\u57f7\u884c\u5b98\u63d0\u8d77\u8a34\u8a1f\uff0c\u4f8b\u5982\uff1a<\/span><\/p>\n

      \n
    1. \u55ae\u65b9\u9762\u88c1\u54e1\u537b\u6c92\u6709\u8db3\u5920\u7684\u88dc\u511f\u3002<\/span><\/li>\n
    2. \u5de5\u4f5c\u5834\u6240\u7684\u6b67\u8996\u6216\u9a37\u64fe\u3002<\/span><\/li>\n
    3. \u672a\u4f9d\u52de\u52d5\u5951\u7d04\u7d04\u5b9a\u652f\u4ed8\u7684\u5de5\u8cc7\u6216\u6d25\u8cbc\u3002<\/span><\/li>\n<\/ol>\n

      3.\u76e3\u7ba1\u6a5f\u69cb\u548c\u653f\u5e9c\u7684\u8a34\u8a1f<\/b><\/p>\n

      \u91d1\u878d\u670d\u52d9\u7ba1\u7406\u5c40 (OJK) \u6216\u8ca1\u653f\u90e8\u7b49\u76e3\u7ba1\u6a5f\u69cb\u53ef\u4ee5\u56e0\u4ee5\u4e0b\u539f\u56e0\u8d77\u8a34\u8463\u4e8b\uff1a<\/span><\/p>\n

        \n
      1. \u4e0d\u9075\u5b88\u8ca1\u52d9\u6216\u7a05\u52d9\u6cd5\u898f\u3002<\/span><\/li>\n
      2. \u4e0d\u6e96\u78ba\u6216\u64cd\u7e31\u6027\u7684\u8ca1\u52d9\u5831\u544a\u3002<\/span><\/li>\n
      3. \u9055\u53cd\u74b0\u5883\u6cd5\u898f\u6216\u5546\u696d\u7af6\u722d\u3002<\/span><\/li>\n<\/ol>\n
          \n
        1. \u7b2c\u4e09\u65b9\u8a34\u8a1f<\/b><\/li>\n<\/ol>\n

          \u5ba2\u6236\u3001\u696d\u52d9\u5925\u4f34\u6216\u4f9b\u61c9\u5546\u4e5f\u53ef\u4ee5\u56e0\u4ee5\u4e0b\u539f\u56e0\u8d77\u8a34\u672c\u516c\u53f8\u53ca\u5176\u8463\u4e8b\uff1a<\/span><\/p>\n

            \n
          1. \u672a\u5c65\u884c\u7684\u5546\u696d\u5408\u7d04\u3002<\/span><\/li>\n
          2. \u8207\u9020\u6210\u640d\u5931\u7684\u7f3a\u9677\u7522\u54c1\u6216\u670d\u52d9\u76f8\u95dc\u7684\u7d22\u8ce0\u3002<\/span><\/li>\n
          3. \u672a\u80fd\u9054\u5230\u5546\u5b9a\u7684\u64cd\u4f5c\u6a19\u6e96\u3002<\/span><\/li>\n<\/ol>\n

            \u5982\u679c\u6c92\u6709 D&O \u4fdd\u96aa\uff0c\u8463\u4e8b\u5c07\u4e0d\u5f97\u4e0d\u89aa\u81ea\u627f\u64d4\u6cd5\u5f8b\u8cbb\u7528\u548c\u6f5b\u5728\u7684\u640d\u5bb3\uff0c\u9019\u53ef\u80fd\u6703\u5a01\u8105\u5230\u4ed6\u5011\u7684\u8ca1\u52d9\u72c0\u6cc1\u3002<\/span><\/p>\n

             <\/p>\n

            \u8463\u4e8b\u7684\u8ca1\u52d9\u5f8c\u679c\u00a0<\/span><\/h3>\n

            \u91dd\u5c0d\u8463\u4e8b\u7684\u8a34\u8a1f\u4e0d\u50c5\u5f71\u97ff\u4ed6\u5011\u7684\u8072\u8b7d\uff0c\u4e5f\u5f71\u97ff\u4ed6\u5011\u7684\u8ca1\u52d9\u7a69\u5b9a\u6027\u3002\u5982\u679c\u6c92\u6709 D&O \u4fdd\u96aa\uff0c\u6240\u9762\u81e8\u7684\u8ca1\u52d9\u5f8c\u679c\u53ef\u80fd\u975e\u5e38\u56b4\u91cd\uff0c\u5305\u62ec\uff1a<\/span><\/p>\n

              \n
            1. \u975e\u5e38\u9ad8\u7684\u6cd5\u5f8b\u8cbb\u7528<\/b><\/li>\n<\/ol>\n
                \n
              1. \u88ab\u8d77\u8a34\u7684\u8463\u4e8b\u9700\u8981\u7d93\u9a57\u8c50\u5bcc\u7684\u5f8b\u5e2b\uff0c\u6cd5\u8b49\u8abf\u67e5\u8cbb\u7528\u548c\u6cd5\u5ead\u8cbb\u7528\u53ef\u9054\u6578\u5341\u5104\u76e7\u6bd4\u3002<\/span><\/li>\n
              2. \u5982\u679c\u6848\u4ef6\u62d6\u5ef6\u591a\u5e74\uff0c\u8a34\u8a1f\u6210\u672c\u5c31\u6703\u589e\u52a0\uff0c\u5c0d\u9ad8\u968e\u4e3b\u7ba1\u7684\u500b\u4eba\u8ca1\u52d9\u5e36\u4f86\u58d3\u529b\u3002<\/span><\/li>\n<\/ol>\n
                  \n
                1. \u8981\u6c42\u5de8\u984d\u8ce0\u511f<\/b><\/li>\n<\/ol>\n
                    \n
                  1. \u5982\u679c\u8463\u4e8b\u5728\u8a34\u8a1f\u4e2d\u88ab\u5224\u6709\u7f6a\uff0c\u4ed6\u5011\u53ef\u80fd\u6703\u906d\u53d7\u9ad8\u9054\u6578\u5343\u5104\u76e7\u6bd4\u7684\u640d\u5931\u3002<\/span><\/li>\n
                  2. \u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u8463\u4e8b\u4e5f\u53ef\u80fd\u88ab\u8981\u6c42\u9000\u9084\u88ab\u8996\u70ba\u88ab\u6feb\u7528\u7684\u516c\u53f8\u8cc7\u91d1\u3002<\/span><\/li>\n<\/ol>\n
                      \n
                    1. \u6c92\u6536\u500b\u4eba\u8ca1\u7522<\/b><\/li>\n<\/ol>\n
                        \n
                      1. \u5982\u679c\u8463\u4e8b\u6c92\u6709\u8db3\u5920\u7684\u73fe\u91d1\u5132\u5099\uff0c\u4ed6\u6216\u5979\u7684\u500b\u4eba\u8cc7\u7522\uff08\u4f8b\u5982\u623f\u5c4b\u3001\u8eca\u8f1b\u6216\u6295\u8cc7\uff09\u53ef\u80fd\u6703\u88ab\u6c92\u6536\u4ee5\u652f\u4ed8\u6cd5\u5f8b\u7d22\u8ce0\u3002<\/span><\/li>\n
                      2. \u9019\u53ef\u80fd\u6703\u5c0e\u81f4\u76f8\u95dc\u9ad8\u968e\u4e3b\u7ba1\u500b\u4eba\u7834\u7522\u3002<\/span><\/li>\n<\/ol>\n

                        \u5982\u679c\u6c92\u6709 D&O \u4fdd\u96aa\u7684\u4fdd\u8b77\uff0c\u9019\u7a2e\u98a8\u96aa\u53ef\u80fd\u975e\u5e38\u6709\u5bb3\uff0c\u4e26\u5a01\u8105\u500b\u4eba\u548c\u516c\u53f8\u7684\u8ca1\u52d9\u7a69\u5b9a\u6027\u3002<\/span><\/p>\n

                         <\/p>\n

                        \u5df2\u767c\u751f\u7684\u6cd5\u5f8b\u6848\u4ef6\u00a0<\/span><\/h3>\n
                          \n
                        1. Jiwasraya\u6848\uff08\u5370\u5c3c\uff09<\/b><\/li>\n<\/ol>\n
                            \n
                          1. Jiwasraya \u4fdd\u55ae\u5931\u6557\u919c\u805e\u9020\u6210\u8d85\u904e 16 \u5146\u5370\u5c3c\u76fe\u7684\u640d\u5931\u3002<\/span><\/li>\n
                          2. \u524d\u8463\u4e8b\u56e0\u6d89\u5acc\u6b3a\u8a50\u548c\u6295\u8cc7\u7ba1\u7406\u4e0d\u5584\u800c\u88ab\u8d77\u8a34\u3002<\/span><\/li>\n<\/ol>\n

                            \u5982\u679c\u6c92\u6709 D&O \u4fdd\u96aa\uff0c\u4ed6\u5011\u5c07\u9762\u81e8\u6f2b\u9577\u7684\u6cd5\u5f8b\u7a0b\u5e8f\u548c\u5de8\u984d\u8a34\u8a1f\u8cbb\u7528\u3002<\/span><\/p>\n

                              \n
                            1. \u5927\u773e\u67f4\u6cb9\u9580\u4e8b\u4ef6\uff08\u5168\u7403\uff09<\/b><\/li>\n<\/ol>\n
                                \n
                              1. \u5927\u773e\u6c7d\u8eca\u56e0\u64cd\u7e31\u6392\u653e\u6e2c\u8a66\u6578\u64da\u800c\u9762\u81e8\u7f8e\u570b\u76e3\u7ba1\u6a5f\u69cb\u7684\u6307\u63a7\u3002<\/span><\/li>\n
                              2. \u57f7\u884c\u9577\u548c\u9ad8\u968e\u4e3b\u7ba1\u9762\u81e8\u80a1\u6771\u6578\u5341\u5104\u7f8e\u5143\u7684\u7f70\u6b3e\u548c\u8a34\u8a1f\u3002<\/span><\/li>\n
                              3. \u7531\u65bc D&O \u4fdd\u96aa\uff0c\u5927\u591a\u6578\u8a34\u8a1f\u8cbb\u7528\u90fd\u53ef\u4ee5\u7531\u4fdd\u96aa\u627f\u64d4\u3002<\/span><\/li>\n<\/ol>\n

                                \u9019\u4e9b\u6848\u4f8b\u8b49\u660e\uff0c\u5982\u679c\u6c92\u6709D&O\u4fdd\u96aa\u7684\u4fdd\u969c\uff0c\u8463\u4e8b\u9762\u81e8\u7684\u6cd5\u5f8b\u548c\u8ca1\u52d9\u98a8\u96aa\u662f\u5de8\u5927\u7684\u3002<\/span><\/p>\n

                                 <\/p>\n

                                D&O \u4fdd\u96aa\u5982\u4f55\u63d0\u4f9b\u4fdd\u969c\uff1f\u00a0<\/span><\/h3>\n

                                D&O \u4fdd\u96aa\u900f\u904e\u4ee5\u4e0b\u65b9\u5f0f\u70ba\u8463\u4e8b\u9762\u81e8\u7684\u5404\u7a2e\u6cd5\u5f8b\u548c\u8ca1\u52d9\u98a8\u96aa\u63d0\u4f9b\u4fdd\u969c\uff1a<\/span><\/p>\n

                                  \n
                                1. \u627f\u64d4\u6cd5\u5f8b\u8cbb\u7528<\/b><\/li>\n<\/ol>\n

                                  \u6db5\u84cb\u5f8b\u5e2b\u3001\u8abf\u67e5\u548c\u6cd5\u5ead\u8cbb\u7528\uff0c\u56e0\u6b64\u8463\u4e8b\u4e0d\u5fc5\u52d5\u7528\u5176\u500b\u4eba\u8cc7\u7522\u3002<\/span><\/p>\n

                                    \n
                                  1. \u8ce0\u511f\u7d22\u8ce0\u7bc4\u570d<\/b><\/li>\n<\/ol>\n

                                    \u5982\u679c\u8463\u4e8b\u88ab\u5224\u6709\u7f6a\uff0c\u4fdd\u96aa\u53ef\u4ee5\u5e6b\u52a9\u652f\u4ed8\u8ce0\u511f\u53d7\u5bb3\u65b9\u7684\u8cbb\u7528\u3002<\/span><\/p>\n

                                    3.\u7dad\u8b77\u516c\u53f8\u8ca1\u52d9\u7a69\u5b9a<\/b><\/p>\n

                                      \n
                                    1. \u9632\u6b62\u516c\u53f8\u8ca1\u52d9\u56e0\u91dd\u5c0d\u8463\u4e8b\u7684\u6cd5\u5f8b\u7d22\u8ce0\u800c\u53d7\u5230\u5e72\u64fe\u3002<\/span><\/li>\n
                                    2. \u900f\u904e D&O \u4fdd\u96aa\uff0c\u8463\u4e8b\u53ef\u4ee5\u5c08\u6ce8\u65bc\u7d93\u71df\u696d\u52d9\uff0c\u800c\u4e0d\u5fc5\u64d4\u5fc3\u6709\u5bb3\u7684\u6cd5\u5f8b\u98a8\u96aa\u3002<\/span><\/li>\n<\/ol>\n

                                       <\/p>\n

                                      D&O \u7684\u4fdd\u96aa\u7d93\u7d00\u4eba\u89d2\u8272\uff0c\u4f8b\u5982 L&G \u4fdd\u96aa\u7d93\u7d00\u4eba\u00a0<\/span><\/h3>\n

                                      \u4f5c\u70ba\u9818\u5148\u7684\u4fdd\u96aa\u7d93\u7d00\u4eba\uff0cL&G \u4fdd\u96aa\u7d93\u7d00\u4eba\u5728\u5e6b\u52a9\u4f01\u696d\u7372\u5f97\u6700\u4f73 D&O \u4fdd\u96aa\u65b9\u9762\u767c\u63ee\u8457\u91cd\u8981\u4f5c\u7528\uff0c\u5177\u6709\u4ee5\u4e0b\u512a\u52e2\uff1a<\/span><\/p>\n