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Article 22Special Provisions for the Small and Medium-sized Enterprise Credit Insurance Act

第二十二条(中小企業信用保険法の特例)

With regard to a specified business operator (limited to a person listed in Article 2, paragraph (5), items (i) through (iv), and excluding one that falls under a small and medium-sized enterprise prescribed in ) that carries out an approved management innovation project (meaning a project for management innovation carried out in accordance with an approved management innovation plan; the same applies hereinafter) or a certified management capacity improvement project (meaning a project pertaining to management capacity improvement carried out in accordance with a certified management capacity improvement plan (including, where the matters listed in Article 17, paragraph (4), item (ii) are stated in that certified management capacity improvement plan, a prior investigation for business succession, etc.); the same applies hereinafter in this paragraph, Article 25, paragraph (1) and Chapter VI), that carries out the specified business prescribed in , and that has received a management innovation-related guarantee (meaning a guarantee of obligations prescribed in , or that pertains to funds necessary for an approved management innovation project; the same applies hereinafter in this Article) or a management capacity improvement-related guarantee (meaning a guarantee of obligations prescribed in , or that pertains to funds, among those necessary for a certified management capacity improvement project, specified by Order of the Ministry of Economy, Trade and Industry as contributing particularly to management capacity improvement; the same applies hereinafter in this Article), the provisions of , , and apply by deeming the specified business operator to be a small and medium-sized enterprise prescribed in . In this case, the term "borrowing" in , and is deemed to be replaced with "borrowing of funds necessary for carrying out an approved management innovation project or a certified management capacity improvement project prescribed in Article 22, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc.".

承認経営革新事業(承認経営革新計画に従って行われる経営革新のための事業をいう。以下同じ。)又は認定経営力向上事業(認定経営力向上計画に従って行われる経営力向上に係る事業(当該認定経営力向上計画に第十七条第四項第二号に掲げる事項の記載がある場合にあっては、事業承継等事前調査を含む。)をいう。以下この項、第二十五条第一項及び第六章において同じ。)を行う特定事業者(第二条第五項第一号から第四号までに掲げる者に限り、に規定する中小企業者に該当するものを除く。)のうちに規定する特定事業を行うものであって、経営革新関連保証(、又はに規定する債務の保証であって、承認経営革新事業に必要な資金に係るものをいう。以下この条において同じ。)又は経営力向上関連保証(、又はに規定する債務の保証であって、認定経営力向上事業に必要な資金のうち経営力向上に特に資するものとして経済産業省令で定めるものに係るものをいう。以下この条において同じ。)を受けたものについては、当該特定事業者をに規定する中小企業者とみなして、、、及びの規定を適用する。この場合において、、及び中「借入れ」とあるのは、「中小企業等経営強化法第二十二条第一項に規定する承認経営革新事業又は認定経営力向上事業の実施に必要な資金の借入れ」とする。

With regard to the application of the provisions of the Small and Medium-sized Enterprise Credit Insurance Act listed in the left-hand column of the following table (including where they apply pursuant to the preceding paragraph; the same applies in paragraphs (5) and (6)) to an insurance relation of ordinary insurance, unsecured insurance or special small-amount insurance that pertains to a specified business operator that has received a management innovation-related guarantee, the phrases listed in the middle column of the table in those provisions are deemed to be replaced with the phrases listed in the right-hand column of that table.

the total amount of insured valuesthe total amount of insured values of insurance relations pertaining to a management innovation-related guarantee prescribed in Article 22, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as a "management innovation-related guarantee") and the total amount of insured values of other insurance relations, respectively
and the total amount of insured valuesthe total amount of insured values of insurance relations pertaining to a management innovation-related guarantee and the total amount of insured values of other insurance relations, respectively
and of the amount of the relevant loanfor each of management innovation-related guarantees and other guarantees, of the amount of the relevant loan
the relevant debtorfor each of management innovation-related guarantees and other guarantees, the relevant debtor

普通保険、無担保保険又は特別小口保険の保険関係であって、経営革新関連保証を受けた特定事業者に係るものについての次の表の上欄に掲げる中小企業信用保険法の規定(前項の規定により適用される場合を含む。第五項及び第六項において同じ。)の適用については、これらの規定中同表の中欄に掲げる字句は、同表の下欄に掲げる字句とする。

保険価額の合計額が中小企業等経営強化法第二十二条第一項に規定する経営革新関連保証(以下「経営革新関連保証」という。)に係る保険関係の保険価額の合計額とその他の保険関係の保険価額の合計額とがそれぞれ
及び保険価額の合計額が経営革新関連保証に係る保険関係の保険価額の合計額とその他の保険関係の保険価額の合計額とがそれぞれ
及び当該借入金の額のうち経営革新関連保証及びその他の保証ごとに、それぞれ当該借入金の額のうち
当該債務者経営革新関連保証及びその他の保証ごとに、当該債務者

With regard to the application of and (including where they apply pursuant to paragraph (1); the same applies in paragraph (7)) to an insurance relation of overseas investment insurance that pertains to a specified business operator that has received a management innovation-related guarantee, the phrase "200 million yen" in is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds necessary for an approved management innovation project prescribed in Article 22, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as "management innovation project funds"))", the phrase "400 million yen" is deemed to be replaced with "600 million yen (400 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than management innovation project funds)", and the phrase "200 million yen" in is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than management innovation project funds)".

海外投資関係保険の保険関係であって、経営革新関連保証を受けた特定事業者に係るものについての及びの規定(第一項の規定により適用される場合を含む。第七項において同じ。)の適用については、中「二億円」とあるのは「三億円(中小企業等経営強化法第二十二条第一項に規定する承認経営革新事業に必要な資金(以下「経営革新事業資金」という。)以外の資金に係る債務の保証に係る保険関係については、二億円)」と、「四億円」とあるのは「六億円(経営革新事業資金以外の資金に係る債務の保証に係る保険関係については、四億円)」と、中「二億円」とあるのは「三億円(経営革新事業資金以外の資金に係る債務の保証に係る保険関係については、二億円)」とする。

With regard to the application of and (including where they apply pursuant to paragraph (1); the same applies in paragraph (8)) to an insurance relation of new business development insurance that pertains to a specified business operator that has received a management innovation-related guarantee, the phrase "200 million yen" in is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds necessary for an approved management innovation project prescribed in Article 22, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as "management innovation project funds"))", the phrase "400 million yen" is deemed to be replaced with "600 million yen (400 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than management innovation project funds)", and the phrase "200 million yen" in is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than management innovation project funds)".

新事業開拓保険の保険関係であって、経営革新関連保証を受けた特定事業者に係るものについての及びの規定(第一項の規定により適用される場合を含む。第八項において同じ。)の適用については、中「二億円」とあるのは「三億円(中小企業等経営強化法第二十二条第一項に規定する承認経営革新事業に必要な資金(以下「経営革新事業資金」という。)以外の資金に係る債務の保証に係る保険関係については、二億円)」と、「四億円」とあるのは「六億円(経営革新事業資金以外の資金に係る債務の保証に係る保険関係については、四億円)」と、中「二億円」とあるのは「三億円(経営革新事業資金以外の資金に係る債務の保証に係る保険関係については、二億円)」とする。

With regard to the application of the provisions of the Small and Medium-sized Enterprise Credit Insurance Act listed in the left-hand column of the following table to an insurance relation of ordinary insurance, unsecured insurance or special small-amount insurance that pertains to a specified business operator that has received a management capacity improvement-related guarantee, the phrases listed in the middle column of the table in those provisions are deemed to be replaced with the phrases listed in the right-hand column of that table.

the total amount of insured valuesthe total amount of insured values of insurance relations pertaining to a management capacity improvement-related guarantee prescribed in Article 22, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as a "management capacity improvement-related guarantee") and the total amount of insured values of other insurance relations, respectively
and the total amount of insured valuesthe total amount of insured values of insurance relations pertaining to a management capacity improvement-related guarantee and the total amount of insured values of other insurance relations, respectively
and of the amount of the relevant loanfor each of management capacity improvement-related guarantees and other guarantees, of the amount of the relevant loan
the relevant debtorfor each of management capacity improvement-related guarantees and other guarantees, the relevant debtor

普通保険、無担保保険又は特別小口保険の保険関係であって、経営力向上関連保証を受けた特定事業者に係るものについての次の表の上欄に掲げる中小企業信用保険法の規定の適用については、これらの規定中同表の中欄に掲げる字句は、同表の下欄に掲げる字句とする。

保険価額の合計額が中小企業等経営強化法第二十二条第一項に規定する経営力向上関連保証(以下「経営力向上関連保証」という。)に係る保険関係の保険価額の合計額とその他の保険関係の保険価額の合計額とがそれぞれ
及び保険価額の合計額が経営力向上関連保証に係る保険関係の保険価額の合計額とその他の保険関係の保険価額の合計額とがそれぞれ
及び当該借入金の額のうち経営力向上関連保証及びその他の保証ごとに、それぞれ当該借入金の額のうち
当該債務者経営力向上関連保証及びその他の保証ごとに、当該債務者

Notwithstanding the preceding paragraph, with regard to the application of the provisions of the Small and Medium-sized Enterprise Credit Insurance Act listed in the left-hand column of the following table to an insurance relation of ordinary insurance, unsecured insurance or special small-amount insurance that pertains to a specified business operator that has received a management capacity improvement-related guarantee that pertains to funds necessary for business succession, etc. carried out in accordance with a certified management capacity improvement plan (limited to one in which a statement under Article 17, paragraph (5) appears) (referred to in Article 30, paragraph (2) as a "special management capacity improvement-related guarantee"), the phrases listed in the middle column of the table in those provisions are deemed to be replaced with the phrases listed in the right-hand column of that table.

(hereinafter referred to as a "special guarantee"))(hereinafter referred to as a "special guarantee")) for which no guarantee by a guarantor is required to be provided
the total amount of insured valuesthe total amount of insured values of insurance relations pertaining to a management capacity improvement-related guarantee prescribed in Article 22, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (including a special management capacity improvement-related guarantee prescribed in paragraph (6) of that Article; hereinafter referred to as a "management capacity improvement-related guarantee") and the total amount of insured values of other insurance relations, respectively
in the case where the relevant small and medium-sized enterprise is a person other than a person (limited to a corporation) that satisfies the requirements specified by Order of the Ministry of Economy, Trade and Industry, such as submitting a balance sheet, profit and loss statement and other documents to a financial institution, excluding a guarantee by a guarantor.including a guarantee by a guarantor.
and the total amount of insured valuesthe total amount of insured values of insurance relations pertaining to a management capacity improvement-related guarantee and the total amount of insured values of other insurance relations, respectively
and of the amount of the relevant loanfor each of management capacity improvement-related guarantees and other guarantees, of the amount of the relevant loan
the relevant debtorfor each of management capacity improvement-related guarantees and other guarantees, the relevant debtor

前項の規定にかかわらず、経営力向上関連保証のうち認定経営力向上計画(第十七条第五項の規定による記載があるものに限る。)に従って行われる事業承継等に必要な資金に係るもの(第三十条第二項において「特例経営力向上関連保証」という。)を受けた特定事業者に係る普通保険、無担保保険又は特別小口保険の保険関係についての次の表の上欄に掲げる中小企業信用保険法の規定の適用については、これらの規定中同表の中欄に掲げる字句は、同表の下欄に掲げる字句とする。

含む。)含む。)であつてその保証について保証人の保証を提供させないもの
保険価額の合計額が中小企業等経営強化法第二十二条第一項に規定する経営力向上関連保証(同条第六項に規定する特例経営力向上関連保証を含む。以下「経営力向上関連保証」という。)に係る保険関係の保険価額の合計額とその他の保険関係の保険価額の合計額とがそれぞれ
当該中小企業者が貸借対照表、損益計算書その他の書類を金融機関に提出することその他の経済産業省令で定める要件を備えている者(法人に限る。)以外の者である場合にあつては、保証人の保証を除く。保証人の保証を含む。
及び保険価額の合計額が経営力向上関連保証に係る保険関係の保険価額の合計額とその他の保険関係の保険価額の合計額とがそれぞれ
及び当該借入金の額のうち経営力向上関連保証及びその他の保証ごとに、それぞれ当該借入金の額のうち
当該債務者経営力向上関連保証及びその他の保証ごとに、当該債務者

With regard to the application of and to an insurance relation of overseas investment insurance that pertains to a specified business operator that has received a management capacity improvement-related guarantee, the phrase "200 million yen" in is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds necessary for a certified management capacity improvement project prescribed in Article 22, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as "management capacity improvement project funds"))", the phrase "400 million yen" is deemed to be replaced with "600 million yen (400 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than management capacity improvement project funds)", and the phrase "200 million yen" in is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than management capacity improvement project funds)".

海外投資関係保険の保険関係であって、経営力向上関連保証を受けた特定事業者に係るものについての及びの規定の適用については、中「二億円」とあるのは「三億円(中小企業等経営強化法第二十二条第一項に規定する認定経営力向上事業に必要な資金(以下「経営力向上事業資金」という。)以外の資金に係る債務の保証に係る保険関係については、二億円)」と、「四億円」とあるのは「六億円(経営力向上事業資金以外の資金に係る債務の保証に係る保険関係については、四億円)」と、中「二億円」とあるのは「三億円(経営力向上事業資金以外の資金に係る債務の保証に係る保険関係については、二億円)」とする。

With regard to the application of and to an insurance relation of new business development insurance that pertains to a specified business operator that has received a management capacity improvement-related guarantee, the phrase "200 million yen" in is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds necessary for a certified management capacity improvement project prescribed in Article 22, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as "management capacity improvement project funds"))", the phrase "400 million yen" is deemed to be replaced with "600 million yen (400 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than management capacity improvement project funds)", and the phrase "200 million yen" in is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than management capacity improvement project funds)".

新事業開拓保険の保険関係であって、経営力向上関連保証を受けた特定事業者に係るものについての及びの規定の適用については、中「二億円」とあるのは「三億円(中小企業等経営強化法第二十二条第一項に規定する認定経営力向上事業に必要な資金(以下「経営力向上事業資金」という。)以外の資金に係る債務の保証に係る保険関係については、二億円)」と、「四億円」とあるのは「六億円(経営力向上事業資金以外の資金に係る債務の保証に係る保険関係については、四億円)」と、中「二億円」とあるのは「三億円(経営力向上事業資金以外の資金に係る債務の保証に係る保険関係については、二億円)」とする。

With regard to the application of and (including where they apply pursuant to paragraph (1)) to an insurance relation of ordinary insurance that pertains to a management innovation-related guarantee or a management capacity improvement-related guarantee, the phrase "70 percent" in , and the phrase "70 percent (80 percent in the case of unsecured insurance, special small-amount insurance, current asset collateral insurance, pollution prevention insurance, energy measures insurance, overseas investment insurance, new business development insurance, business revitalization insurance and specified bond insurance)" in , are deemed to be replaced with "80 percent".

普通保険の保険関係であって、経営革新関連保証又は経営力向上関連保証に係るものについての及びの規定(第一項の規定により適用される場合を含む。)の適用については、中「百分の七十」とあり、及び中「百分の七十(無担保保険、特別小口保険、流動資産担保保険、公害防止保険、エネルギー対策保険、海外投資関係保険、新事業開拓保険、事業再生保険及び特定社債保険にあつては、百分の八十)」とあるのは、「百分の八十」とする。

The amount of the premium for an insurance relation of ordinary insurance, unsecured insurance or special small-amount insurance that pertains to a management innovation-related guarantee or a management capacity improvement-related guarantee is, notwithstanding , the amount obtained by multiplying the insured amount by the rate specified by Cabinet Order within 2 percent per year.

普通保険、無担保保険又は特別小口保険の保険関係であって、経営革新関連保証又は経営力向上関連保証に係るものについての保険料の額は、の規定にかかわらず、保険金額に年百分の二以内において政令で定める率を乗じて得た額とする。

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