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Article 3Conclusion of Contracts

第三条(契約の締結)

A mutual aid contract may not be concluded by anyone other than a small-scale enterprise.

小規模企業者でなければ、共済契約を締結することができない。

A small-scale enterprise that is an individual business operator and concurrently an officer of a company, etc. may conclude a mutual aid contract only in one of the following capacities:

個人たる事業者であつて会社等の役員を兼ねる小規模企業者は、次の各号のいずれかに掲げる地位においてでなければ、共済契約を締結することができない。

The capacity of an individual small-scale enterprise;

個人たる小規模企業者としての地位

The capacity of a small-scale enterprise that is an officer of a company, etc. (for a small-scale enterprise that is concurrently an officer of two or more companies, etc., the capacity of a small-scale enterprise that is an officer of any one of those companies, etc.).

会社等の役員たる小規模企業者としての地位(二以上の会社等の役員を兼ねる小規模企業者にあつては、そのいずれか一の会社等の役員たる小規模企業者としての地位)

A small-scale enterprise that is concurrently an officer of two or more companies, etc. (excluding a person prescribed in the preceding paragraph) may conclude a mutual aid contract only in the capacity of a small-scale enterprise that is an officer of any one of those companies, etc.

二以上の会社等の役員を兼ねる小規模企業者(前項に規定する者を除く。)は、そのいずれか一の会社等の役員たる小規模企業者としての地位においてでなければ、共済契約を締結することができない。

A small-scale enterprise that is currently a mutual aid policyholder may not conclude a new mutual aid contract; provided, however, that this does not apply where a cause set out in one of the items of Article 9, paragraph (1) relating to that mutual aid contract has arisen for that person.

現に共済契約者である小規模企業者は、新たな共済契約を締結することができない。ただし、その者に当該共済契約に係る第九条第一項各号に掲げる事由が生じた場合は、この限りでない。

The Organization must not refuse to conclude a mutual aid contract except in the following cases:

機構は、次に掲げる場合を除いては、共済契約の締結を拒絶してはならない。

Where the applicant for the mutual aid contract is a person whose mutual aid contract was cancelled pursuant to Article 7, paragraph (2) and for whom one year has not elapsed from the date of the cancellation;

共済契約の申込者が第七条第二項の規定により共済契約を解除され、その解除の日から一年を経過しない者であるとき。

Where the applicant for the mutual aid contract is a person for whom one year has not elapsed from the date on which the person received, or attempted to receive, payment of a mutual aid benefit or cancellation refund (hereinafter referred to as "mutual aid benefit, etc.") by deception or other wrongful act;

共済契約の申込者が偽りその他不正の行為によつて共済金又は解約手当金(以下「共済金等」という。)の支給を受け、又は受けようとした日から一年を経過しない者であるとき。

Where, in addition to what is set out in the preceding two items, the case falls under one specified by Order of the Ministry of Economy, Trade and Industry as a case in which the conclusion of the mutual aid contract is likely to impede the proper and smooth operation of the small enterprise mutual aid business.

前二号に掲げるもののほか、当該共済契約の締結によつて小規模企業共済事業の適正かつ円滑な運営を阻害することとなるおそれがあるものとして経済産業省令で定める場合に該当するとき。

Article 4

第四条

A mutual aid contract is to be concluded by specifying the monthly premium.

共済契約は、掛金月額を定めて締結するものとする。

The monthly premium is to be 1,000 yen or more and an amount obtained by multiplying 500 yen by an integer, and must not exceed 70,000 yen per mutual aid policyholder.

掛金月額は、千円以上であつて五百円に整数を乗じて得た額とし、共済契約者一人につき七万円を超えてはならない。

Article 5Application for Contracts

第五条(契約の申込み)

An application for a mutual aid contract must state the monthly premium and, in the case of a mutual aid contract concluded by a mutual aid policyholder in the capacity of a small-scale enterprise that is an officer of a company, etc., the name of that company, etc.

共済契約の申込みは、掛金月額及び共済契約者が会社等の役員たる小規模企業者としての地位において締結する共済契約にあつてはその会社等の名称を明らかにしてしなければならない。

Article 6Formation of Contract

第六条(契約の成立)

When the Organization accepts an application for a mutual aid contract, the mutual aid contract is deemed to have been formed on the day of the application and takes effect from that day.

共済契約は、機構がその申込みを承諾したときは、その申込みの日において成立したものとみなし、かつ、その日から効力を生ずる。

Article 7Cancellation of Contract

第七条(契約の解除)

Except in the case prescribed in the following paragraph, the Organization may not cancel a mutual aid contract.

機構は、次項に規定する場合を除いては、共済契約を解除することができない。

The Organization must cancel a mutual aid contract in the following cases:

機構は、次に掲げる場合には、共済契約を解除しなければならない。

where a mutual aid policyholder has failed to pay premiums for at least the number of months specified by Order of the Ministry of Economy, Trade and Industry (excluding cases where there is a justifiable reason specified by Order of the Ministry of Economy, Trade and Industry);

共済契約者が経済産業省令で定める一定の月分以上について掛金の納付を怠つたとき(経済産業省令で定める正当な理由がある場合を除く。)。

where a mutual aid policyholder has received, or attempted to receive, payment of mutual aid benefits, etc. by deception or other wrongful conduct.

共済契約者が偽りその他不正の行為によつて共済金等の支給を受け、又は受けようとしたとき。

A mutual aid policyholder may cancel a mutual aid contract at any time.

共済契約者は、いつでも共済契約を解除することができる。

When any of the following grounds arises with respect to a mutual aid policyholder, the mutual aid contract is deemed to have been cancelled at the time the ground arises:

共済契約者に次に掲げる事由が生じたときは、共済契約は、当該事由が生じた時に解除されたものとみなす。

where a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of an individual small-scale enterprise discontinues the business in order to establish a company that carries on the same business as that business;

個人たる小規模企業者としての地位において締結した共済契約に係る共済契約者がその事業と同一の事業を営む会社を設立するため事業を廃止したとき。

where a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of a small-scale enterprise that is an officer of a company, etc. ceases to be an officer of that company, etc. without any ground set out in the items of Article 9, paragraph (1) having arisen.

会社等の役員たる小規模企業者としての地位において締結した共済契約に係る共済契約者が第九条第一項各号に掲げる事由が生じないでその会社等の役員でなくなつたとき。

The cancellation of a mutual aid contract takes effect only for the future.

共済契約の解除は、将来に向かつてのみその効力を生ずる。

Article 8Change of Monthly Premium

第八条(掛金月額の変更)

When a mutual aid policyholder applies to increase or decrease the monthly premium, the Organization must accept the application.

機構は、共済契約者から掛金月額の増加又は減少の申込みがあつたときは、これを承諾しなければならない。

An application under the preceding paragraph must state the monthly premium after the increase or decrease.

前項の申込みは、増加後又は減少後の掛金月額を明らかにしてしなければならない。

The provisions of Article 6 apply mutatis mutandis to an increase or decrease in the monthly premium.

第六条の規定は、掛金月額の増加又は減少について準用する。

Article 9Mutual Aid Benefits

第九条(共済金)

Where any of the following grounds arises with respect to a mutual aid policyholder and the number of months of paid premiums of that person is six months or more, the Organization is to pay mutual aid benefits to that person (or, where the ground set out in item (i) or item (ii) is due to death, to the bereaved family of that person):

共済契約者に次の各号の一に掲げる事由が生じた場合であつて、その者の掛金納付月数が六月以上のときは、機構は、その者(第一号又は第二号に掲げる事由が死亡によるものであるときは、その遺族)に共済金を支給する。

discontinuation of business (in the case of a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of a small-scale enterprise that is an officer of a company, etc., dissolution of that company, etc.) (excluding the case set out in Article 7, paragraph (4), item (i));

事業の廃止(会社等の役員たる小規模企業者としての地位において締結した共済契約に係る共済契約者にあつては、その会社等の解散)があつたとき(第七条第四項第一号に掲げるときを除く。)。

in the case of a mutual aid policyholder concerning a mutual aid contract concluded in the capacity of a small-scale enterprise that is an officer of a company, etc., when that person ceases to be an officer of that company, etc. due to illness, injury or death, or at the age of 65 or more;

会社等の役員たる小規模企業者としての地位において締結した共済契約に係る共済契約者にあつては、疾病、負傷若しくは死亡により又は六十五歳以上でその会社等の役員でなくなつたとき。

in the case of a mutual aid policyholder who is aged 65 or more and whose number of months of paid premiums is 180 months or more, when a request for payment of mutual aid benefits is made without any ground set out in the preceding two items having arisen.

六十五歳以上で、その共済契約者の掛金納付月数が百八十月以上である共済契約者にあつては、前二号に掲げる事由が生じないで共済金の支給の請求があつたとき。

The amount of mutual aid benefits to be paid by the Organization is the total amount of the premium-unit mutual aid benefit amounts corresponding to each division obtained when the premiums for each month paid by the mutual aid policyholder are successively divided into units of 500 yen (hereinafter referred to as a "premium unit").

機構が支給すべき共済金の額は、共済契約者の納付に係る各月分の掛金を五百円ごとに順次区分した場合における各区分(以下「掛金区分」という。)に応ずる区分共済金額の合計額とする。

The premium-unit mutual aid benefit amount under the preceding paragraph is, according to the number of months of paid premiums for the premium unit set out in each of the following items, the amount specified in :

前項の区分共済金額は、次の各号に掲げる掛金区分に係る掛金納付月数に応じ、それぞれ当該各号に定める金額とする。

less than 36 months: the total amount of the premiums paid for that premium unit;

三十六月未満 その掛金区分に係る納付に係る掛金の合計額

36 months or more: the total amount of the amounts specified in (a) through (c).

三十六月以上 次のイからハまでに定める金額の合計額

the amount specified by Cabinet Order according to the number of months of paid premiums for that premium unit and the grounds set out in the items of paragraph (1);

その掛金区分に係る掛金納付月数及び第一項各号に掲げる事由に応じ政令で定める金額

the total amount of the amounts obtained by multiplying the amount obtained where the provisions of (a) are applied on the assumption that a ground set out in the items of paragraph (1) arose in a reference month (meaning each month in which the number of months of paid premiums for that premium unit is 36 months or a number of months obtained by adding an integral multiple of 12 months to 36 months; the same applies hereinafter) (hereinafter referred to as the "hypothetical mutual aid benefit amount") by the payment rate for the fiscal year (meaning the period from April 1 to March 31 of the following year; the same applies hereinafter) to which the respective reference month belongs;

基準月(その掛金区分に係る掛金納付月数が三十六月又は三十六月に十二月の整数倍の月数を加えた月数となる各月をいう。以下同じ。)に第一項各号に掲げる事由が生じたものとみなしてイの規定を適用した場合に得られる金額(以下「仮定共済金額」という。)に、それぞれ当該基準月の属する年度(四月一日から翌年三月三十一日までをいう。以下同じ。)に係る支給率を乗じて得た金額の合計額

the amount obtained by multiplying the amount specified in (a) by the payment rate for the fiscal year to which the day on which a ground set out in the items of paragraph (1) arose belongs, and further multiplying the result by the rate obtained by dividing by 12 the number of months obtained by subtracting the number of months of paid premiums as of the last reference month from the number of months of paid premiums for that premium unit.

イに定める金額に、第一項各号に掲げる事由が生じた日の属する年度に係る支給率を乗じて得た金額に、その掛金区分に係る掛金納付月数から最後の基準月における掛金納付月数を減じて得た月数を十二で除して得た率を乗じて得た金額

The amount specified by Cabinet Order in item (ii), (a) of the preceding paragraph is to be determined on the basis of the total amount of the premiums paid and the investment income therefrom, taking into account the assumed interest rate, the expected number of occurrences of the grounds set out in the items of paragraph (1) and the expected number of cancellations of mutual aid contracts. In this case, that amount must satisfy the following requirements.

前項第二号イの政令で定める金額は、納付された掛金及びその運用収入の額の総額を基礎として、予定利率並びに第一項各号に掲げる事由の発生の見込数及び共済契約の解除の見込数を勘案して定めるものとする。この場合において、当該金額は、次に掲げる要件を満たすものでなければならない。

that it exceeds the total amount of the premiums paid for that premium unit;

その掛金区分に係る納付に係る掛金の合計額を上回ること。

that the amount paid on a ground set out in paragraph (1), item (i) is equal to or more than the amount paid on a ground set out in items (ii) and (iii) of that paragraph.

第一項第一号に掲げる事由により支給される金額が同項第二号及び第三号に掲げる事由により支給される金額以上であること。

The payment rate in (b) and (c) of paragraph (3), item (ii) is to be determined by the Minister of Economy, Trade and Industry for each fiscal year, by the end of the fiscal year preceding that fiscal year, after hearing the opinion of the Small and Medium-sized Enterprise Policy Council, on the basis of the rate obtained by dividing the amount calculated as provided by Order of the Ministry of Economy, Trade and Industry as the portion of the investment income up to that fiscal year that is to be applied to payment of the amount specified in paragraph (3), item (ii), (b) or Article 12, paragraph (4), item (ii), (b) in that fiscal year, by the amount calculated as provided by Order of the Ministry of Economy, Trade and Industry as the total amount of the hypothetical mutual aid benefit amounts or the hypothetical cancellation refund amounts (meaning the hypothetical cancellation refund amounts under (b) of that item) for the premium units that will have a reference month in that fiscal year, taking into account the expected amount of investment income from that fiscal year onward and other circumstances.

第三項第二号ロ及びハの支給率は、経済産業大臣が、各年度ごとに、当該年度までの運用収入のうち当該年度において同号ロ又は第十二条第四項第二号ロに定める金額の支払に充てるべき部分の金額として経済産業省令で定めるところにより算定した金額を、当該年度において基準月を有することとなる掛金区分に係る仮定共済金額又は仮定解約手当金額(同号ロの仮定解約手当金額をいう。)の合計額として経済産業省令で定めるところにより算定した金額で除して得た率を基準として、当該年度以降の運用収入の見込額その他の事情を勘案して、当該年度の前年度末までに、中小企業政策審議会の意見を聴いて定めるものとする。

Where a Cabinet Order is enacted or amended pursuant to the provisions of paragraph (3), item (ii), (a), the Cabinet Order may provide for measures necessary concerning the calculation of the amount of mutual aid benefits for mutual aid contracts that took effect before that enactment or amendment and with respect to which a ground set out in the items of paragraph (1) arises after that enactment or amendment, and for other necessary transitional measures accompanying that enactment or amendment.

第三項第二号イの規定に基づき政令を制定し、又は改正する場合においては、政令で、当該制定又は改正前に効力を生じた共済契約のうち当該制定又は改正後に第一項各号に掲げる事由が生じたものに係る共済金の額の算定に関し必要な措置その他当該制定又は改正に伴う所要の経過措置を定めることができる。

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