《保险研究》20250409-《功能主义视域下的破产管理人执业责任保险制度研究》（丁鸫文、杨鹿君）

［摘   要］我国《企业破产法》采取“管理人中心主义”，管理人在破产程序中负有重要职责。近年来，随着管理人责任纠纷案件的数量增多，市场迅速做出反应，管理人执业责任保险以团体险、个案险的形式大量出现，但细观保险实践，存在诸多分歧、细节问题亟待解决，难以发挥责任保险制度的应然功能。功能主义视域下的制度设计应当采取结果导向、工具导向模式，以实现特定功能为面向完善相关制度。具体而言：需以提升管理人能力素质为面向，排除债务人为投保人；以加强管理人履职保障为面向，框定保险标的、厘清强制保险范畴、完善被保险人内涵以及限制除外责任；以增进管理人履职监督为面向，明确事前询问事项、加强事后监督审查。

［关键词］执业责任保险；破产管理人；管理人赔偿责任；保险治理；功能主义

［基金项目］本文系2024年安徽省社会科学创新发展研究青年课题“长三角一体化发展视域下企业挽救法律机制完善研究”（2024CX0043）、安徽大学经济法制研究中心企业破产与公司治理研究所一般项目“大数据时代下的破产法改革研究”（pcs2023yb-5）阶段性成果。本研究受到安徽大学经济法制研究中心“企业破产与公司治理研究所”资助支持。

［作者简介］丁鸫文，河南证监局综合业务监管处处长，法学博士，研究方向：商法、保险法、证券法;杨鹿君（通讯作者），安徽大学法学院讲师、硕士生导师，法学博士，研究方向：商法、保险法、破产法。

A Research on the Practice Liability Insurance of Bankruptcy Administrators from the Perspective of Functionalism

DING Dong-wen，YANG Lu-jun

Abstract：The Enterprise Bankruptcy Law adopts "administrator-centered doctrine"，and the bankruptcy administrator has an important responsibility in the bankruptcy procedure.In recent years，with the increasing number of disputes between the administrator and the parties involved，the market has responded quickly，with a large number of professional liability insurance policies for administrators appearing in both group and individual forms.However，when examining the insurance practices in detail，there are many disagreements and minor issues that need to be addressed，making it difficult for the liability insurance system to fulfill its intended functions.In the functionalist perspective，the system design should take a results-oriented and tool-oriented approach，and improve relevant rules with the goal of achieving specific functions.Specifically，the following measures should be taken：improving the administrator′s ability and qualifications as the primary goal，excluding debtors as insurance applicants;strengthening the administrator′s duty fulfillment guarantee by defining the insurance subject，clarifying the scope of compulsory insurance，improving the scope of insured parties，and limiting exclusions;and enhance the administrator′s duty fulfillment supervision by specifying pre-event inquiries and strengthening post-event supervision and review.

Key words：practice liability insurance;bankruptcy administrators;liability of bankruptcy administrators;insurance governance;functionalism