# 中小企業倒産防止共済法 / Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises
This is the Markdown twin of https://japanlaw.org/en/sme-bankruptcy-prevention-act. Every law, and how to address a provision: https://japanlaw.org/llms.txt. The same laws as MCP tools (no sign-in): https://japanlaw.org/mcp.
- 昭和五十二年法律第八十四号 · Act
- English title "Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises": Ministry of Justice translation database, which lists the title
- Text in force since: 2020-04-01
- URL: https://japanlaw.org/en/sme-bankruptcy-prevention-act
- e-Gov law ID: 352AC0000000084 — never renamed. A permanent link, `/l/{lawId}/{address}` on this site, redirects to the page.
- 25 articles in the main text, 34 articles in the 附則 (supplementary provisions).
- English: 120 of 120 paragraphs, each marked below as the Ministry of Justice's, as the Ministry's with a slip corrected by this site, or as machine translation.
Only the Japanese as published by the government has legal effect; the text
below is a copy of it.
Every provision is addressable on its own, down to the item, and carries
its address and the URL of the page that opens at it on the line under it —
https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-1. As Markdown: https://japanlaw.org/md/en/sme-bankruptcy-prevention-act/art-1.
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### 第一条（目的） — Purpose
caption: machine translation, not official
art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-1
**第一項** この法律は、取引先企業の倒産の影響を受けて中小企業が倒産する等の事態の発生を防止するため、中小企業者の相互扶助の精神に基づき、その拠出による中小企業倒産防止共済制度を確立し、中小企業の経営の安定に寄与することを目的とする。
art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-1/par-1
The purpose of this Act is, in order to prevent the occurrence of situations such as small and medium-sized enterprises going bankrupt under the influence of the bankruptcy of their business partner companies, to establish, based on the spirit of mutual aid among small and medium-sized enterprises, a system of mutual aid for the prevention of bankruptcy of small and medium-sized enterprises funded by their contributions, and thereby to contribute to the stability of the management of small and medium-sized enterprises.
machine translation, not official
### 第二条（定義） — Definitions
caption: machine translation, not official
art-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2
**第一項** この法律において「中小企業者」とは、次の各号のいずれかに該当する者をいう。
art-2/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1
In this Act, a "small and medium-sized enterprise" means a person who falls under any of the following items:
machine translation, not official
**一** 資本金の額又は出資の総額が三億円以下の会社並びに常時使用する従業員の数が三百人以下の会社及び個人であつて、製造業、建設業、運輸業その他の業種（次号から第二号の三までに掲げる業種及び第三号の政令で定める業種を除く。）に属する事業を主たる事業として営むもの
art-2/par-1/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1/item-1
any company whose amount of stated capital or total amount of contributions is not more than three hundred million yen and any company or individual whose number of regular employees is three hundred or less, which operates as its principal business, business belonging to manufacturing business, construction business, transport business or other business types (excluding the business types listed in the following item through item (ii)-3 and the business types provided by Cabinet Order pursuant to item (iii));
machine translation, not official
**二** 資本金の額又は出資の総額が一億円以下の会社並びに常時使用する従業員の数が百人以下の会社及び個人であつて、卸売業（第三号の政令で定める業種を除く。）に属する事業を主たる事業として営むもの
art-2/par-1/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1/item-2
any company whose amount of stated capital or total amount of contributions is not more than one hundred million yen and any company or individual whose number of regular employees is one hundred or less, which operates as its principal business, business belonging to wholesale business (excluding the business types provided by Cabinet Order pursuant to item (iii));
machine translation, not official
**二の二** 資本金の額又は出資の総額が五千万円以下の会社並びに常時使用する従業員の数が百人以下の会社及び個人であつて、サービス業（第三号の政令で定める業種を除く。）に属する事業を主たる事業として営むもの
art-2/par-1/item-2-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1/item-2-2
any company whose amount of stated capital or total amount of contributions is not more than fifty million yen and any company or individual whose number of regular employees is one hundred or less, which operates as its principal business, business belonging to service business (excluding the business types provided by Cabinet Order pursuant to item (iii));
machine translation, not official
**二の三** 資本金の額又は出資の総額が五千万円以下の会社並びに常時使用する従業員の数が五十人以下の会社及び個人であつて、小売業（次号の政令で定める業種を除く。）に属する事業を主たる事業として営むもの
art-2/par-1/item-2-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1/item-2-3
any company whose amount of stated capital or total amount of contributions is not more than fifty million yen and any company or individual whose number of regular employees is fifty or less, which operates as its principal business, business belonging to retail business (excluding the business types provided by Cabinet Order pursuant to the following item);
machine translation, not official
**三** 資本金の額又は出資の総額がその業種ごとに政令で定める金額以下の会社並びに常時使用する従業員の数がその業種ごとに政令で定める数以下の会社及び個人であつて、その政令で定める業種に属する事業を主たる事業として営むもの
art-2/par-1/item-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1/item-3
any company whose amount of stated capital or total amount of contributions is not more than the amount provided by Cabinet Order for each of its business types and any company or individual whose number of regular employees is the number provided by Cabinet Order or less for each of its business types, which operates as its principal business, business belonging to any of the business types provided by Cabinet Order;
machine translation, not official
**四** 企業組合
art-2/par-1/item-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1/item-4
an enterprise association;
machine translation, not official
**五** 協業組合
art-2/par-1/item-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1/item-5
a cooperative partnership; or
machine translation, not official
**六** 事業協同組合その他の特別の法律により設立された組合であつて、政令で定める要件に該当するもの
art-2/par-1/item-6 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-1/item-6
a business cooperative or other association established under a special Act that satisfies the requirements specified by Cabinet Order.
machine translation, not official
**第二項** この法律において「共済契約」とは、中小企業者が独立行政法人中小企業基盤整備機構（以下「機構」という。）に掛金を納付することを約し、機構がその中小企業者の取引の相手方たる事業者につき次の各号のいずれかに該当する事態（以下「倒産」という。）が生ずることに関し、この法律の定めるところにより共済金を貸し付けることを約する契約をいう。
art-2/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-2
In this Act, a "mutual aid contract" means a contract under which a small and medium-sized enterprise promises to pay premiums to the Organization for Small and Medium Enterprises and Regional Innovation, JAPAN (hereinafter referred to as the "Organization"), and the Organization promises to lend mutual aid benefits, as provided for in this Act, in relation to the occurrence of a situation falling under any of the following items (hereinafter referred to as "bankruptcy") with respect to a business operator that is a counterparty to the transactions of that small and medium-sized enterprise.
machine translation, not official
**一** 破産手続開始、再生手続開始、更生手続開始又は特別清算開始の申立てがされること。
art-2/par-2/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-2/item-1
A petition is filed for the commencement of bankruptcy proceedings, rehabilitation proceedings or reorganization proceedings, or for the commencement of special liquidation;
machine translation, not official
**二** 手形交換所において、その手形交換所で手形交換を行つている金融機関が金融取引を停止する原因となる事実についての公表がこれらの金融機関に対してされること。
art-2/par-2/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-2/item-2
At a bill clearinghouse, an announcement is made to the financial institutions conducting bill clearing at that clearinghouse of a fact that causes financial institutions to suspend financial transactions;
machine translation, not official
**三** 電子記録債権法（平成十九年法律第百二号）第二条第二項に規定する電子債権記録機関（同法第五十六条に規定する業務規程において金融取引の停止に係る事項を定めており、かつ、経済産業省令で定める数以上の金融機関が参加するものに限る。）において、その電子債権記録機関で電子記録債権を取り扱う金融機関が金融取引を停止する原因となる事実についての公表がこれらの金融機関に対してされること。
art-2/par-2/item-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-2/item-3
At an electronic monetary claim recording institution prescribed in Article 2, paragraph (2) of the Electronically Recorded Monetary Claims Act (Act No. 102 of 2007) (limited to one that has provided for matters concerning the suspension of financial transactions in the business rules prescribed in Article 56 of that Act and in which financial institutions in the number specified by Order of the Ministry of Economy, Trade and Industry or more participate), an announcement is made to the financial institutions that handle electronically recorded monetary claims at that electronic monetary claim recording institution of a fact that causes financial institutions to suspend financial transactions;
machine translation, not official
**四** 前三号に掲げるもののほか、過大な債務を負つていることにより事業の継続が困難となつているため債務の減免又は期限の猶予を受けることを目的とするものと認められる手続であつて、その開始日を特定することができるものとして経済産業省令で定めるものがされること。
art-2/par-2/item-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-2/item-4
In addition to what is set out in the preceding three items, a procedure is commenced that is specified by Order of the Ministry of Economy, Trade and Industry as one that is recognized as aimed at obtaining a reduction or exemption of debts or a deferment of due dates because continuation of the business has become difficult owing to excessive debts, and whose commencement date can be identified.
machine translation, not official
**第三項** この法律において「共済契約者」とは、共済契約の当事者のうち機構以外の者をいう。
art-2/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-3
In this Act, a "mutual aid policyholder" means a party to a mutual aid contract other than the Organization.
machine translation, not official
**第四項** この法律において「早期償還手当金」とは、機構が、貸付けを受けた共済金の償還を完了すべき期限前にこれを完了し、かつ、当該共済金の全額をその償還期日までに償還した共済契約者に対し、第十条第六項の規定により支給する手当金をいう。
art-2/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-4
In this Act, an "early repayment allowance" means an allowance that the Organization pays, pursuant to Article 10, paragraph (6), to a mutual aid policyholder who has completed repayment of the mutual aid benefits lent to them before the time limit by which repayment is to be completed, and has repaid the full amount of those mutual aid benefits by the repayment date.
machine translation, not official
**第五項** この法律において「一時貸付金」とは、機構が、臨時に事業資金を必要とする共済契約者に対し、第十条の二第一項の規定により貸し付ける資金をいう。
art-2/par-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-5
In this Act, a "temporary loan" means funds that the Organization lends, pursuant to Article 10-2, paragraph (1), to a mutual aid policyholder who temporarily needs business funds.
machine translation, not official
**第六項** この法律において「解約手当金」とは、機構が、共済契約を解除した者に対し、第十一条第一項の規定により支給する手当金をいう。
art-2/par-6 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-6
In this Act, a "cancellation refund" means an allowance that the Organization pays, pursuant to Article 11, paragraph (1), to a person who has cancelled a mutual aid contract.
machine translation, not official
**第七項** この法律において「完済手当金」とは、機構が、貸付けを受けた共済金の全額をその償還期日までに償還した共済契約者に対し、第十一条の二第一項の規定により支給する手当金をいう。
art-2/par-7 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-2/par-7
In this Act, a "full repayment allowance" means an allowance that the Organization pays, pursuant to Article 11-2, paragraph (1), to a mutual aid policyholder who has repaid the full amount of the mutual aid benefits lent to them by the repayment date.
machine translation, not official
### 第三条（契約の締結） — Conclusion of Contracts
caption: machine translation, not official
art-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-3
**第一項** 引き続き一年以上事業を行つている中小企業者でなければ、共済契約を締結することができない。
art-3/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-3/par-1
A mutual aid contract may not be concluded by anyone other than a small and medium-sized enterprise that has continuously carried on business for one year or more.
machine translation, not official
**第二項** 現に共済契約者である中小企業者は、新たな共済契約を締結することができない。
art-3/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-3/par-2
A small and medium-sized enterprise that is currently a mutual aid policyholder may not conclude a new mutual aid contract.
machine translation, not official
**第三項** 機構は、次に掲げる場合を除いては、共済契約の締結を拒んではならない。
art-3/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-3/par-3
The Organization must not refuse to conclude a mutual aid contract except in the following cases:
machine translation, not official
**一** 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。
art-3/par-3/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-3/par-3/item-1
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;
machine translation, not official
**二** 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若しくは一時貸付金の貸付け又は早期償還手当金、解約手当金若しくは完済手当金の支給を受け、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。
art-3/par-3/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-3/par-3/item-2
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, a loan of mutual aid benefits or a temporary loan, or payment of an early repayment allowance, cancellation refund or full repayment allowance, by deception or other wrongful act;
machine translation, not official
**三** 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中小企業倒産防止共済事業の適正円滑な運営を阻害することとなるおそれがある事由として経済産業省令で定める事由があるとき。
art-3/par-3/item-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-3/par-3/item-3
Where, in addition to what is set out in the preceding two items, there is a cause specified by Order of the Ministry of Economy, Trade and Industry as a cause likely to impede, through the conclusion of that mutual aid contract, the proper and smooth operation of the small and medium-sized enterprise bankruptcy prevention mutual aid business.
machine translation, not official
### 第四条
art-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-4
**第一項** 共済契約は、掛金月額を定めて締結するものとする。
art-4/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-4/par-1
A mutual aid contract is to be concluded by specifying the monthly premium.
machine translation, not official
**第二項** 掛金月額は、五千円以上であつて五千円に整数を乗じて得た額とする。ただし、第九条第二項ただし書の政令で定める額の十分の一に相当する額（以下「掛金納付制限額」という。）の四十分の一に相当する額を超えてはならない。
art-4/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-4/par-2
The monthly premium is to be 5,000 yen or more and an amount obtained by multiplying 5,000 yen by an integer; provided, however, that it must not exceed an amount equivalent to one-fortieth of the amount equivalent to one-tenth of the amount specified by Cabinet Order in the proviso to Article 9, paragraph (2) (hereinafter referred to as the "premium payment limit").
machine translation, not official
### 第五条（契約の申込み） — Application for Contract
caption: machine translation, not official
art-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-5
**第一項** 共済契約の申込みは、掛金月額を明らかにしてしなければならない。
art-5/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-5/par-1
An application for a mutual aid contract must be made by clarifying the monthly premium.
machine translation, not official
### 第六条（契約の成立） — Formation of Contract
caption: machine translation, not official
art-6 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-6
**第一項** 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。
art-6/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-6/par-1
A mutual aid contract is deemed to have been formed on the date of the application when the Organization accepts the application, and takes effect from that date.
machine translation, not official
### 第七条（契約の解除） — Cancellation of Contract
caption: machine translation, not official
art-7 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7
**第一項** 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。
art-7/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7/par-1
The Organization may not cancel a mutual aid contract except in the case prescribed in the following paragraph.
machine translation, not official
**第二項** 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。
art-7/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7/par-2
The Organization must cancel a mutual aid contract in the following cases:
machine translation, not official
**一** 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。）。
art-7/par-2/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7/par-2/item-1
when a mutual aid policyholder has neglected to pay premiums for a certain number of months or more 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);
machine translation, not official
**二** 共済契約者が偽りその他不正の行為によつて共済金若しくは一時貸付金の貸付け又は早期償還手当金、解約手当金若しくは完済手当金の支給を受け、又は受けようとしたとき。
art-7/par-2/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7/par-2/item-2
when a mutual aid policyholder has received, or attempted to receive, by deception or other wrongful act, a loan of mutual aid benefits or a temporary loan, or payment of an early repayment allowance, cancellation refund or full repayment allowance.
machine translation, not official
**第三項** 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。
art-7/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7/par-3
A mutual aid policyholder may cancel a mutual aid contract at any time.
machine translation, not official
**第四項** 共済契約者が死亡し、解散し、分割（その事業の全部を承継させるものに限る。以下この項及び第十二条第一項において同じ。）をし、又はその事業の全部を譲り渡した場合において、第十二条第一項の規定による承継がなかつたときは、当該共済契約者に係る共済契約は、当該死亡、解散、分割又は事業の全部の譲渡しの時に解除されたものとみなす。
art-7/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7/par-4
Where a mutual aid policyholder dies, is dissolved, splits (limited to a split under which the whole of its business is succeeded to; the same applies hereinafter in this paragraph and Article 12, paragraph (1)), or transfers the whole of its business, and there has been no succession under Article 12, paragraph (1), the mutual aid contract relating to that mutual aid policyholder is deemed to have been cancelled at the time of that death, dissolution, split or transfer of the whole of its business.
machine translation, not official
**第五項** 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。
art-7/par-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7/par-5
The cancellation of a mutual aid contract takes effect only prospectively.
machine translation, not official
### 第八条（掛金月額の変更） — Change of Monthly Premium
caption: machine translation, not official
art-8 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-8
**第一項** 機構は、共済契約者から掛金月額の増加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。
art-8/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-8/par-1
When a mutual aid policyholder applies to increase the monthly premium, the Organization must accept the application.
machine translation, not official
**第二項** 機構は、共済契約者からの掛金月額の減少の申込みについては、経済産業省令で定める場合を除き、これを承諾してはならない。
art-8/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-8/par-2
With regard to an application from a mutual aid policyholder to decrease the monthly premium, the Organization must not accept it, except in cases specified by Order of the Ministry of Economy, Trade and Industry.
machine translation, not official
**第三項** 前二項の申込みは、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。
art-8/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-8/par-3
An application under the preceding two paragraphs must be made by clarifying the monthly premium after the increase or decrease.
machine translation, not official
**第四項** 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。
art-8/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-8/par-4
The provisions of Article 6 apply mutatis mutandis to an increase or decrease in the monthly premium.
machine translation, not official
### 第九条（共済金の貸付け） — Loans of Mutual Aid Benefits
caption: machine translation, not official
art-9 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9
**第一項** 機構は、共済契約者の取引の相手方たる事業者につき倒産が発生したときは、共済契約が効力を生じた日から倒産の発生の日までの期間が六月未満であるとき及び倒産の発生の日までに掛金が納付された月数が六月未満であるときを除き、共済契約者に対し、その請求により共済金を貸し付ける。ただし、その請求の時に共済契約者が中小企業者に該当しない場合及び次の各号に掲げる場合は、この限りでない。
art-9/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-1
When a bankruptcy occurs with respect to a business operator that is a counterparty to the transactions of a mutual aid policyholder, the Organization lends mutual aid benefits to the mutual aid policyholder at its request, except where the period from the date on which the mutual aid contract took effect to the date of occurrence of the bankruptcy is less than six months and where the number of months in which premiums were paid up to the date of occurrence of the bankruptcy is less than six months; provided, however, that this does not apply where the mutual aid policyholder does not fall under a small and medium-sized enterprise at the time of the request or in the cases set out in the following items.
machine translation, not official
**一** 請求が倒産の発生の日から六月を経過した日後にされたものであるとき。
art-9/par-1/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-1/item-1
when the request is made after the date on which six months have elapsed from the date of occurrence of the bankruptcy;
machine translation, not official
**二** 貸し付けることとなる共済金の額が少額であつて経済産業省令で定める額に達しないものであるとき。
art-9/par-1/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-1/item-2
when the amount of mutual aid benefits to be lent is small and does not reach the amount specified by Order of the Ministry of Economy, Trade and Industry;
machine translation, not official
**三** 共済契約者につき倒産又はこれに準ずる事態として経済産業省令で定める事態が生じているとき。
art-9/par-1/item-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-1/item-3
when a bankruptcy, or a situation equivalent to it specified by Order of the Ministry of Economy, Trade and Industry, has arisen with respect to the mutual aid policyholder.
machine translation, not official
**第二項** 前項の共済金の貸付額は、貸付けの請求があつた日における納付された掛金の合計額から次に掲げる額の合計額を控除した額の十倍に相当する額と倒産に係る取引の相手方たる事業者に対する売掛金債権その他の経済産業省令で定める債権（以下「売掛金債権等」という。）のうち回収が困難となつたものの額（共済契約者とその取引の相手方たる事業者との取引関係が経済産業省令で定める要件に該当する場合にあつては、その額と共済契約者の取引関係の変化による影響を緩和するため緊急に必要な資金の額として経済産業省令で定めるところにより算定した額との合計額。以下同じ。）とのいずれか少ない額の範囲内において、共済契約者が請求した額とする。ただし、当該貸付額と請求の日において既に貸付けを受け、又は受けることとなつた共済金の額から既に償還した共済金の額を控除した額との合計額が政令で定める額を超えてはならない。
art-9/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-2
The loan amount of mutual aid benefits under the preceding paragraph is the amount requested by the mutual aid policyholder within the range of the lesser of the amount equivalent to ten times the amount obtained by deducting the total amount of the amounts set out in the following items from the total amount of premiums paid as of the date on which the request for the loan was made, and the amount of those accounts receivable and other claims specified by Order of the Ministry of Economy, Trade and Industry against the business operator that is the counterparty to the transaction relating to the bankruptcy (hereinafter referred to as "accounts receivable, etc.") that have become difficult to collect (where the transactional relationship between the mutual aid policyholder and the business operator that is its counterparty to transactions falls under the requirements specified by Order of the Ministry of Economy, Trade and Industry, the total amount of that amount and the amount calculated, as specified by Order of the Ministry of Economy, Trade and Industry, as the amount of funds urgently needed to mitigate the impact of changes in the mutual aid policyholder's transactional relationships; the same applies hereinafter); provided, however, that the total amount of that loan amount and the amount obtained by deducting the amount of mutual aid benefits already repaid from the amount of mutual aid benefits already lent or to be lent as of the date of the request must not exceed the amount specified by Cabinet Order.
machine translation, not official
**一** 既に貸付けを受け、又は受けることとなつた共済金の額の十分の一に相当する額
art-9/par-2/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-2/item-1
an amount equivalent to one-tenth of the amount of mutual aid benefits already lent or to be lent;
machine translation, not official
**二** 既に次条第五項（第十条の二第六項において準用する場合を含む。）の規定により償還又は納付に充てられた掛金の額
art-9/par-2/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-2/item-2
the amount of premiums already applied to repayment or payment pursuant to paragraph (5) of the following Article (including as applied mutatis mutandis pursuant to Article 10-2, paragraph (6));
machine translation, not official
**三** 倒産の発生の日の前日の六月前の日から貸付けの請求があつた日までの間に掛金月額の増加の効力が生じた共済契約に係る貸付けにあつては、納付された掛金のうち当該増加分に相当する掛金の合計額
art-9/par-2/item-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-2/item-3
in the case of a loan relating to a mutual aid contract for which an increase in the monthly premium took effect during the period from the date six months before the day preceding the date of occurrence of the bankruptcy to the date on which the request for the loan was made, the total amount of the premiums, among those paid, equivalent to that increase;
machine translation, not official
**四** 倒産の発生の日の翌日以後で、かつ、納付期限の経過後に納付された掛金（前号に規定する増加分に相当する掛金を除く。）であつて、経済産業省令で定める期間を超える延滞があつたものの合計額
art-9/par-2/item-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-2/item-4
the total amount of premiums paid on or after the day following the date of occurrence of the bankruptcy and after the payment due date had passed (excluding premiums equivalent to the increase prescribed in the preceding item), for which there was a delay exceeding the period specified by Order of the Ministry of Economy, Trade and Industry.
machine translation, not official
**第三項** 前項ただし書の政令で定める額は、取引先企業の倒産の影響を受けて倒産する等の事態をその貸付けを受けることにより中小企業者の大部分が避けることができると見込まれる資金の額等を勘案して定めるものとする。
art-9/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-3
The amount specified by Cabinet Order in the proviso to the preceding paragraph is to be determined taking into consideration the amount of funds with which, by receiving the loan, most small and medium-sized enterprises are expected to be able to avoid situations such as becoming bankrupt owing to the effects of the bankruptcy of their business partner companies, and other such matters.
machine translation, not official
**第四項** 機構は、共済金の貸付けを請求した共済契約者が既に貸付けを受けた共済金の償還を怠つているとき又は当該売掛金債権等を有することとなつたこと若しくはその回収が困難となつたことにつき当該共済契約者に悪意若しくは重大な過失があつたと認められるときは、共済金の全部又は一部につき、貸付けをしないことができる。
art-9/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-4
The Organization may decline to lend all or part of the mutual aid benefits where a mutual aid policyholder who has requested a loan of mutual aid benefits has neglected to repay mutual aid benefits already lent, or where it is found that the mutual aid policyholder acted in bad faith or with gross negligence in coming to hold the accounts receivable, etc. in question or in their becoming difficult to collect.
machine translation, not official
**第五項** 機構が共済契約者に共済金の貸付けをすべき場合において、償還を受けるべき一時貸付金又は納付を受けるべき利子若しくは第十条の二第五項の違約金があるときは、機構は、当該共済金の貸付額から次に掲げる額の合計額を控除することができる。
art-9/par-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-5
Where the Organization is to lend mutual aid benefits to a mutual aid policyholder and there is a temporary loan to be repaid, or interest or a penalty under Article 10-2, paragraph (5) to be paid, the Organization may deduct the total amount of the amounts set out in the following items from the loan amount of those mutual aid benefits:
machine translation, not official
**一** 当該一時貸付金のうち当該共済金の貸付けの時に当該一時貸付金がなかつたと仮定した場合に貸し付けるべき一時貸付金の貸付限度額を超える額
art-9/par-5/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-5/item-1
the portion of that temporary loan that exceeds the maximum loan amount of the temporary loan that would be lent on the assumption that that temporary loan did not exist at the time of the loan of those mutual aid benefits;
machine translation, not official
**二** 当該一時貸付金のうち前号の額に相当する部分の利子及び違約金の額
art-9/par-5/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-5/item-2
the amount of interest and penalties on the portion of that temporary loan equivalent to the amount referred to in the preceding item.
machine translation, not official
### 第十条（共済金の貸付けの条件等） — Terms and Conditions of Loans of Mutual Aid Benefits, etc.
caption: machine translation, not official
art-10 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10
**第一項** 共済金は、無利子とし、その償還期間は、その貸付額に応じて、十年（据置期間を含む。）を超えない範囲内において政令で定める期間とする。
art-10/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10/par-1
Mutual aid benefits are to be interest-free, and the repayment period is to be a period specified by Cabinet Order, according to the loan amount, within a period not exceeding 10 years (including any grace period).
machine translation, not official
**第二項** 機構は、経済産業省令で定める場合を除き、共済金の貸付けについて、担保（保証人の保証を含む。）を提供させないものとする。
art-10/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10/par-2
Except in cases specified by Order of the Ministry of Economy, Trade and Industry, the Organization is not to require security (including a guarantee by a guarantor) to be provided for a loan of mutual aid benefits.
machine translation, not official
**第三項** 機構は、共済金の貸付けを受けた者が共済金をその償還期日までに償還しなかつたときは、その者に対し、その延滞した額につき年十四・六パーセントの割合で償還期日の翌日から償還の日の前日までの日数によつて計算した額の範囲内において、違約金を納付させることができる。
art-10/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10/par-3
Where a person who has received a loan of mutual aid benefits has not repaid the mutual aid benefits by the repayment date, the Organization may have that person pay a penalty, within the amount calculated on the overdue amount at the rate of 14.6 percent per annum for the number of days from the day following the repayment date to the day preceding the date of repayment.
machine translation, not official
**第四項** 機構は、災害その他やむを得ない事由により共済金の貸付けを受けた者が共済金をその償還期日までに償還することができないと認めるときは、その償還期日を繰り下げることができる。
art-10/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10/par-4
Where the Organization finds that a person who has received a loan of mutual aid benefits is unable to repay the mutual aid benefits by the repayment date owing to a disaster or other unavoidable grounds, it may postpone the repayment date.
machine translation, not official
**第五項** 機構は、共済金の償還期日後経済産業省令で定める期間を経過したのちなお償還を受けるべき共済金又は納付を受けるべき違約金があるときは、納付された掛金をもつて、その共済金の償還又は違約金の納付に充てることができる。
art-10/par-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10/par-5
Where, after a period specified by Order of the Ministry of Economy, Trade and Industry has elapsed from the repayment date of mutual aid benefits, there are still mutual aid benefits to be repaid or penalties to be paid, the Organization may apply the premiums paid to the repayment of those mutual aid benefits or the payment of those penalties.
machine translation, not official
**第六項** 共済契約者が共済金の貸付けを受けた時にその償還を完了すべきものとされた期限（第四項の規定により償還期日が繰り下げられたことにより当該期限が延長された場合にあつては、当該延長された期限）前にこれを完了した場合において、当該共済金の全額をその償還期日までに償還したときは、機構は、経済産業省令で定めるところにより、共済契約者に経済産業省令で定める額の早期償還手当金を支給することができる。
art-10/par-6 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10/par-6
Where a mutual aid policyholder has completed repayment before the time limit by which repayment was to be completed as of the time the mutual aid policyholder received the loan of mutual aid benefits (where that time limit has been extended by the postponement of the repayment date pursuant to paragraph (4), that extended time limit), and has repaid the full amount of those mutual aid benefits by the repayment date, the Organization may, as specified by Order of the Ministry of Economy, Trade and Industry, pay the mutual aid policyholder an early repayment allowance in the amount specified by Order of the Ministry of Economy, Trade and Industry.
machine translation, not official
**第七項** 機構が共済契約者に早期償還手当金を支給すべき場合において、償還を受けるべき共済金若しくは一時貸付金であつて償還期日を過ぎたもの、納付を受けるべき利子であつて納付期日を過ぎたもの、第三項若しくは次条第五項の規定により納付を受けるべき違約金又は第十三条の規定により返還を受けるべき共済金、一時貸付金、早期償還手当金、解約手当金若しくは完済手当金があるときは、機構は、当該早期償還手当金の額からこれらの額を控除することができる。
art-10/par-7 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10/par-7
Where the Organization is to pay an early repayment allowance to a mutual aid policyholder and there are mutual aid benefits or temporary loans to be repaid for which the repayment date has passed, interest to be paid for which the payment due date has passed, penalties to be paid pursuant to paragraph (3) of this Article or paragraph (5) of the following Article, or mutual aid benefits, temporary loans, early repayment allowances, cancellation refunds or full repayment allowances to be returned pursuant to Article 13, the Organization may deduct those amounts from the amount of that early repayment allowance.
machine translation, not official
### 第十条の二（一時貸付金の貸付け） — Lending of Temporary Loans
caption: machine translation, not official
art-10-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10-2
**第一項** 機構は、共済契約者が臨時に事業資金を必要とするときは、共済契約者に対し、その請求により一時貸付金を貸し付ける。ただし、貸し付けることとなる一時貸付金の額が少額であつて経済産業省令で定める額に達しない場合は、この限りでない。
art-10-2/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10-2/par-1
When a mutual aid policyholder temporarily needs business funds, the Organization lends a temporary loan to the mutual aid policyholder at its request; provided, however, that this does not apply where the amount of the temporary loan to be lent is small and does not reach the amount specified by Order of the Ministry of Economy, Trade and Industry.
machine translation, not official
**第二項** 前項の一時貸付金の貸付額は、その請求の時に共済契約が解除されたと仮定した場合に支給すべき解約手当金の額の範囲内において経済産業省令で定める額を限度とする。
art-10-2/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10-2/par-2
The loan amount of the temporary loan under the preceding paragraph is limited to the amount specified by Order of the Ministry of Economy, Trade and Industry, within the range of the amount of the cancellation refund that would be payable on the assumption that the mutual aid contract had been cancelled at the time of the request.
machine translation, not official
**第三項** 一時貸付金には貸付けに関し必要な経費を勘案して経済産業省令で定める率により利子を付し、その償還期間は、二年を超えない範囲内において経済産業省令で定める期間とする。
art-10-2/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10-2/par-3
Interest is to be charged on a temporary loan at a rate specified by Order of the Ministry of Economy, Trade and Industry, taking into consideration the expenses necessary for the lending, and the repayment period is to be a period specified by Order of the Ministry of Economy, Trade and Industry within a period not exceeding two years.
machine translation, not official
**第四項** 機構は、一時貸付金の貸付けについて、担保（保証人の保証を含む。）を提供させないものとする。
art-10-2/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10-2/par-4
The Organization is not to require security (including a guarantee by a guarantor) to be provided for the lending of a temporary loan.
machine translation, not official
**第五項** 機構は、一時貸付金の貸付けを受けた者が一時貸付金をその償還期日までに償還しなかつたときは、その者に対し、その延滞した額につき年十四・六パーセントの割合で償還期日の翌日から償還の日の前日までの日数によつて計算した額の範囲内において、違約金を納付させることができる。
art-10-2/par-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10-2/par-5
Where a person who has received a temporary loan has not repaid the temporary loan by the repayment date, the Organization may have that person pay a penalty, within the amount calculated on the overdue amount at the rate of 14.6 percent per annum for the number of days from the day following the repayment date to the day preceding the date of repayment.
machine translation, not official
**第六項** 前条第五項の規定は、一時貸付金の償還期日後経済産業省令で定める期間を経過した後なお償還を受けるべき一時貸付金又は納付を受けるべき利子若しくは違約金がある場合に準用する。
art-10-2/par-6 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10-2/par-6
The provisions of paragraph (5) of the preceding Article apply mutatis mutandis where, after a period specified by Order of the Ministry of Economy, Trade and Industry has elapsed from the repayment date of a temporary loan, there are still temporary loans to be repaid or interest or penalties to be paid.
machine translation, not official
### 第十一条（解約手当金） — Cancellation Refund
caption: machine translation, not official
art-11 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11
**第一項** 共済契約が解除された場合において掛金が納付された月数が十二月以上であるときは、機構は、共済契約者に解約手当金を支給する。
art-11/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11/par-1
Where a mutual aid contract has been cancelled and the number of months in which premiums were paid is 12 or more, the Organization pays a cancellation refund to the mutual aid policyholder.
machine translation, not official
**第二項** 第七条第二項第二号の規定により共済契約が解除されたときは、前項の規定にかかわらず、解約手当金は、支給しない。ただし、経済産業省令で定める特別の事情があつた場合は、この限りでない。
art-11/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11/par-2
Where a mutual aid contract has been cancelled pursuant to Article 7, paragraph (2), item (ii), notwithstanding the preceding paragraph, no cancellation refund is paid; provided, however, that this does not apply where there are special circumstances specified by Order of the Ministry of Economy, Trade and Industry.
machine translation, not official
**第三項** 解約手当金の額は、次項の規定により算定される掛金総額に、掛金が納付された月数、共済契約の解除の事由等を基礎として政令で定める割合を乗じて得た額とする。
art-11/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11/par-3
The amount of the cancellation refund is the amount obtained by multiplying the total premium amount calculated pursuant to the following paragraph by a ratio specified by Cabinet Order on the basis of the number of months in which premiums were paid, the grounds for the cancellation of the mutual aid contract, and other such matters.
machine translation, not official
**第四項** 掛金総額は、共済契約の解除の時における納付された掛金の合計額から既に貸付けを受け又は受けることとなつた共済金の額の十分の一に相当する額と既に第十条第五項（前条第六項において準用する場合を含む。）の規定により償還又は納付に充てられた額との合計額を控除した額とする。
art-11/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11/par-4
The total premium amount is the amount obtained by deducting, from the total amount of premiums paid at the time of the cancellation of the mutual aid contract, the total amount of an amount equivalent to one-tenth of the amount of mutual aid benefits already lent or to be lent and the amount already applied to repayment or payment pursuant to Article 10, paragraph (5) (including as applied mutatis mutandis pursuant to paragraph (6) of the preceding Article).
machine translation, not official
**第五項** 機構が共済契約者に解約手当金を支給すべき場合において、償還を受けるべき共済金若しくは一時貸付金、納付を受けるべき利子若しくは第十条第三項若しくは前条第五項の違約金又は第十三条の規定により返還を受けるべき共済金、一時貸付金、早期償還手当金、解約手当金若しくは完済手当金があるときは、機構は、当該解約手当金の額からこれらの額を控除することができる。
art-11/par-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11/par-5
Where the Organization is to pay a cancellation refund to a mutual aid policyholder and there are mutual aid benefits or temporary loans to be repaid, interest to be paid or penalties under Article 10, paragraph (3) or paragraph (5) of the preceding Article to be paid, or mutual aid benefits, temporary loans, early repayment allowances, cancellation refunds or full repayment allowances to be returned pursuant to Article 13, the Organization may deduct those amounts from the amount of that cancellation refund.
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### 第十一条の二（完済手当金） — Full Repayment Allowance
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art-11-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11-2
**第一項** 中小企業倒産防止共済事業の収支の状況並びにその収入及び支出の見通しからみて、その収支が将来にわたつて均衡を保つに足り、なお余裕財源が生じていると認められる場合には、機構は、経済産業省令で定めるところにより、貸付けを受けた共済金の全額をその償還期日までに償還した共済契約者に、第三項に規定する額の完済手当金を支給することができる。
art-11-2/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11-2/par-1
Where, in light of the state of revenue and expenditure of the small and medium-sized enterprise bankruptcy prevention mutual aid business and the outlook for its revenue and expenditure, it is found that its revenue and expenditure can be kept in balance into the future and that surplus funds still arise, the Organization may, as specified by Order of the Ministry of Economy, Trade and Industry, pay a full repayment allowance to a mutual aid policyholder who has repaid, by the repayment date, the full amount of the mutual aid benefits lent to the policyholder in the amount prescribed in paragraph (3).
machine translation, not official
**第二項** 前項の余裕財源が生じているかどうか及びその余裕財源の額は、経済産業省令で定めるところにより計算しなければならない。
art-11-2/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11-2/par-2
Whether the surplus funds under the preceding paragraph have arisen and the amount of those surplus funds must be calculated as specified by Order of the Ministry of Economy, Trade and Industry.
machine translation, not official
**第三項** 完済手当金の額は、償還された共済金の額の十分の一に相当する額に、第一項の余裕財源の額並びに共済契約者のうち共済金の貸付けを受けるものの割合及びその共済金のうち償還期日までに償還されるものの割合の予想等を基礎として政令で定める割合を乗じて得た額とする。
art-11-2/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11-2/par-3
The amount of the full repayment allowance is the amount obtained by multiplying an amount equivalent to one-tenth of the amount of mutual aid benefits repaid by a ratio specified by Cabinet Order on the basis of the amount of the surplus funds under paragraph (1), the forecast of the proportion of mutual aid policyholders who will receive a loan of mutual aid benefits and of the proportion of those mutual aid benefits that will be repaid by the repayment date, and other such matters.
machine translation, not official
**第四項** 機構が共済契約者に完済手当金を支給すべき場合において、償還を受けるべき共済金若しくは一時貸付金であつて償還期日を過ぎたもの、納付を受けるべき利子であつて納付期日を過ぎたもの、第十条第三項若しくは第十条の二第五項の規定により納付を受けるべき違約金又は第十三条の規定により返還を受けるべき共済金、一時貸付金、早期償還手当金、解約手当金若しくは完済手当金があるときは、機構は、当該完済手当金の額からこれらの額を控除することができる。
art-11-2/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11-2/par-4
Where the Organization is to pay a full repayment allowance to a mutual aid policyholder and there are mutual aid benefits or temporary loans to be repaid for which the repayment date has passed, interest to be paid for which the payment due date has passed, penalties to be paid pursuant to Article 10, paragraph (3) or Article 10-2, paragraph (5), or mutual aid benefits, temporary loans, early repayment allowances, cancellation refunds or full repayment allowances to be returned pursuant to Article 13, the Organization may deduct those amounts from the amount of that full repayment allowance.
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### 第十二条（承継） — Succession
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art-12 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12
**第一項** 共済契約者について、相続、合併若しくは分割又はその事業の全部の譲渡しがあつたときは、その包括承継人又はその事業の全部の譲受人（以下「承継人等」という。）は、経済産業省令で定める期間内に機構に申出をし、その承諾を得て、当該共済契約者の有していた地位を承継することができる。
art-12/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-1
Where, with respect to a mutual aid policyholder, there has been inheritance, merger or split, or transfer of the whole of its business, its universal successor or the transferee of the whole of its business (hereinafter referred to as the "successor, etc.") may, by making an application to the Organization within the period specified by Order of the Ministry of Economy, Trade and Industry and obtaining its consent, succeed to the position held by that mutual aid policyholder.
machine translation, not official
**第二項** 機構は、次に掲げる場合を除いては、前項の承諾を拒んではならない。
art-12/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-2
The Organization must not refuse the consent under the preceding paragraph, except in the following cases:
machine translation, not official
**一** 当該承継人等が中小企業者でないとき。
art-12/par-2/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-2/item-1
when the successor, etc. is not a small and medium-sized enterprise;
machine translation, not official
**二** 前項の規定によりその地位を承継されることとなる共済契約者につき償還すべき共済金若しくは一時貸付金、納付すべき利子若しくは第十条第三項若しくは第十条の二第五項の違約金又は次条の規定により返還すべき共済金、一時貸付金、早期償還手当金、解約手当金若しくは完済手当金がある場合において、当該承継人等がこれらの償還、納付又は返還の義務を引き受けないとき。
art-12/par-2/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-2/item-2
where there are mutual aid benefits or temporary loans to be repaid, interest to be paid or penalties under Article 10, paragraph (3) or Article 10-2, paragraph (5) to be paid, or mutual aid benefits, temporary loans, early repayment allowances, cancellation refunds or full repayment allowances to be returned pursuant to the following Article, in relation to the mutual aid policyholder whose position is to be succeeded to pursuant to the preceding paragraph, and the successor, etc. does not assume the obligation to repay, pay or return them;
machine translation, not official
**三** 当該承継人等につき第三条第三項各号に掲げる事由があるとき。
art-12/par-2/item-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-2/item-3
when a ground set out in the items of Article 3, paragraph (3) exists with respect to the successor, etc.
machine translation, not official
**第三項** 第一項の規定による承継をした共済契約者につき、掛金月額が掛金納付制限額の四十分の一に相当する額を超えることとなるときは、その掛金月額は、掛金納付制限額の四十分の一に相当する額とする。
art-12/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-3
Where the monthly premium of a mutual aid policyholder who has succeeded pursuant to paragraph (1) would exceed an amount equivalent to one-fortieth of the premium payment limit, the monthly premium is to be an amount equivalent to one-fortieth of the premium payment limit.
machine translation, not official
**第四項** 第一項の規定による承継をした共済契約者につき、第十一条第四項の規定の例により算定される掛金総額が掛金納付制限額を超えることとなるときは、その掛金総額は、掛金納付制限額となるものとし、機構は、その超えることとなる額をその者に返還する。
art-12/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-4
Where the total premium amount of a mutual aid policyholder who has succeeded pursuant to paragraph (1), calculated in the same manner as under the provisions of Article 11, paragraph (4), would exceed the premium payment limit, the total premium amount is to be the premium payment limit, and the Organization returns the amount by which it would exceed to that person.
machine translation, not official
**第五項** 機構は、前項の場合においては、その返還すべき額から次の各号に掲げる額の合計額を控除することができる。
art-12/par-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-5
In the case referred to in the preceding paragraph, the Organization may deduct the total amount of the amounts set out in the following items from the amount to be returned:
machine translation, not official
**一** 償還を受けるべき一時貸付金のうち承継の時に当該一時貸付金がなかつたと仮定した場合に承継人等に貸し付けるべき一時貸付金の貸付限度額を超える額
art-12/par-5/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-5/item-1
the portion of the temporary loan to be repaid that exceeds the maximum loan amount of the temporary loan that would be lent to the successor, etc. on the assumption that that temporary loan did not exist at the time of the succession;
machine translation, not official
**二** 当該一時貸付金のうち前号の額に相当する部分の利子及び違約金の額
art-12/par-5/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-5/item-2
the amount of interest and penalties on the portion of that temporary loan equivalent to the amount referred to in the preceding item.
machine translation, not official
**第六項** 前三項に定めるもののほか、承継に関し必要な事項は、政令で定める。
art-12/par-6 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-6
Beyond what is provided for in the preceding three paragraphs, matters necessary for succession are specified by Cabinet Order.
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### 第十三条（共済金等の返還） — Return of Mutual Aid Benefits, etc.
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art-13 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-13
**第一項** 偽りその他不正の行為によつて共済金若しくは一時貸付金の貸付け又は早期償還手当金、解約手当金若しくは完済手当金の支給を受けた者がある場合は、機構は、その者から当該共済金、一時貸付金、早期償還手当金、解約手当金又は完済手当金を返還させることができる。
art-13/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-13/par-1
Where there is a person who has received a loan of mutual aid benefits or a temporary loan, or payment of an early repayment allowance, cancellation refund or full repayment allowance, by deception or other wrongful act, the Organization may have that person return those mutual aid benefits, temporary loan, early repayment allowance, cancellation refund or full repayment allowance.
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### 第十四条（掛金の納付） — Payment of Premiums
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art-14 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14
**第一項** 共済契約者は、第三項から第六項までに規定する場合を除き、共済契約が効力を生じた日の属する月から共済契約が解除された日の属する月までの各月につき、その月の末日（共済契約が解除された日の属する月にあつてはその解除の日）における掛金月額により、その月の末日（共済契約が効力を生じた日の属する月分及びその翌月分の掛金にあつては、共済契約が効力を生じた日の属する月の翌々月末日）までに掛金を納付しなければならない。
art-14/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-1
Except in the cases prescribed in paragraphs (3) through (6), a mutual aid policyholder must pay premiums for each month from the month containing the date on which the mutual aid contract took effect to the month containing the date on which the mutual aid contract was cancelled, based on the monthly premium as of the last day of that month (for the month containing the date of cancellation, the date of cancellation), by the last day of that month (for the premiums for the month containing the date on which the mutual aid contract took effect and the following month, by the last day of the second month after the month containing the date on which the mutual aid contract took effect).
machine translation, not official
**第二項** 掛金は、分割して納付することができない。
art-14/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-2
Premiums may not be paid in installments.
machine translation, not official
**第三項** 共済契約者は、掛金を納付することにより第十一条第四項の規定の例により算定される掛金総額が掛金納付制限額を超えることとなるときは、その超えることとなる額につき掛金を納付することができない。
art-14/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-3
Where payment of premiums would cause the total premium amount calculated in the same manner as under the provisions of Article 11, paragraph (4) to exceed the premium payment limit, a mutual aid policyholder may not pay premiums for the amount by which it would exceed.
machine translation, not official
**第四項** 第十一条第四項の規定の例により算定される掛金総額が掛金月額（掛金月額の増加又は減少があつたときは、その増加後又は減少後の掛金月額）の四十倍に相当する額に達している共済契約者は、経済産業省令で定めるところにより、機構に通知して、掛金を納付しないことができる。
art-14/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-4
A mutual aid policyholder whose total premium amount calculated in the same manner as under the provisions of Article 11, paragraph (4) has reached an amount equivalent to 40 times the monthly premium (where the monthly premium has been increased or decreased, the monthly premium after the increase or decrease) may, as specified by Order of the Ministry of Economy, Trade and Industry, notify the Organization and refrain from paying premiums.
machine translation, not official
**第五項** 第九条第一項の規定により共済金の貸付けを受け、又は受けることとなつた共済契約者は、機構の承諾を得て、当該共済金の償還に係る据置期間の範囲内の期間に限り、掛金を納付しないことができる。この場合において、機構は、その納付しないことにつきやむを得ない事情があると認めるときに限り、その承諾をするものとする。
art-14/par-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-5
A mutual aid policyholder who has received, or is to receive, a loan of mutual aid benefits pursuant to Article 9, paragraph (1) may, with the consent of the Organization, refrain from paying premiums only for a period within the grace period for the repayment of those mutual aid benefits. In this case, the Organization is to give that consent only where it finds that there are unavoidable circumstances for not paying.
machine translation, not official
**第六項** 共済契約者は、既に貸付けを受け、又は受けることとなつた共済金の額から既に償還した共済金の額を控除した額と第十一条第四項の規定の例により算定される掛金総額の十倍に相当する額との合計額が第九条第二項ただし書の政令で定める額に達している場合には、機構に申し出て、当該合計額が当該政令で定める額未満となるまでの期間に限り、掛金を納付しないことができる。
art-14/par-6 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-6
Where the total amount of the amount obtained by deducting the amount of mutual aid benefits already repaid from the amount of mutual aid benefits already lent or to be lent, and an amount equivalent to ten times the total premium amount calculated in the same manner as under the provisions of Article 11, paragraph (4), has reached the amount specified by Cabinet Order in the proviso to Article 9, paragraph (2), a mutual aid policyholder may, by applying to the Organization, refrain from paying premiums only for the period until that total amount falls below that amount specified by Cabinet Order.
machine translation, not official
### 第十五条（前納） — Advance Payment
caption: machine translation, not official
art-15 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-15
**第一項** 機構は、共済契約者が、その納付すべき月の前月末日以前にする掛金の納付（以下「掛金前納」という。）をしたときは、経済産業省令で定めるところにより、その掛金の額を減額することができる。
art-15/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-15/par-1
Where a mutual aid policyholder has paid premiums on or before the last day of the month preceding the month in which they are to be paid (hereinafter referred to as "advance payment of premiums"), the Organization may reduce the amount of those premiums as specified by Order of the Ministry of Economy, Trade and Industry.
machine translation, not official
**第二項** 掛金前納がされた掛金については、その納付すべき各月の初日が到来した時に、それぞれその月の掛金が納付されたものとみなす。
art-15/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-15/par-2
With regard to premiums for which advance payment of premiums has been made, the premiums for each month are deemed to have been paid when the first day of each month in which they are to be paid arrives.
machine translation, not official
### 第十六条（割増金） — Surcharge
caption: machine translation, not official
art-16 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-16
**第一項** 機構は、共済契約者が掛金をその納付期限までに納付しなかつたときは、その者に対し、その延滞した額につき年十四・六パーセントの割合で納付期限の翌日から納付の日の前日までの日数によつて計算した額の範囲内において、割増金を納付させることができる。
art-16/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-16/par-1
Where a mutual aid policyholder has not paid premiums by the payment due date, the Organization may have that person pay a surcharge, within the amount calculated on the overdue amount at the rate of 14.6 percent per annum for the number of days from the day following the payment due date to the day preceding the date of payment.
machine translation, not official
### 第十七条（納付期限の延長） — Extension of Payment Due Date
caption: machine translation, not official
art-17 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-17
**第一項** 機構は、災害その他やむを得ない事由により共済契約者が掛金をその納付期限までに納付することができないと認めるときは、その納付期限を延長することができる。
art-17/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-17/par-1
Where the Organization finds that a mutual aid policyholder is unable to pay premiums by the payment due date owing to a disaster or other unavoidable grounds, it may extend the payment due date.
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### 第十八条（先取特権） — Statutory Lien
caption: machine translation, not official
art-18 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-18
**第一項** 解約手当金又は完済手当金の支給を受ける権利を有する者は、解約手当金にあつては第十一条第三項に定める解約手当金の額（機構が当該解約手当金の額から同条第五項の規定によりその額を控除することができる金銭があるときは、当該解約手当金の額からその金銭の額を控除した残額）、完済手当金にあつては第十一条の二第三項に定める完済手当金の額（機構が当該完済手当金の額から同条第四項の規定によりその額を控除することができる金銭があるときは、当該完済手当金の額からその金銭の額を控除した残額）につき、機構の財産について他の債権者に先だつて弁済を受ける権利を有する。
art-18/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-18/par-1
A person entitled to receive payment of a cancellation refund or full repayment allowance has the right to be paid, in preference to other creditors, out of the property of the Organization, in the case of a cancellation refund, the amount of the cancellation refund prescribed in Article 11, paragraph (3) (where there is money that the Organization may deduct from the amount of that cancellation refund pursuant to paragraph (5) of that Article, the remainder after deducting the amount of that money from the amount of that cancellation refund), and in the case of a full repayment allowance, the amount of the full repayment allowance prescribed in Article 11-2, paragraph (3) (where there is money that the Organization may deduct from the amount of that full repayment allowance pursuant to paragraph (4) of that Article, the remainder after deducting the amount of that money from the amount of that full repayment allowance).
machine translation, not official
**第二項** 前項に規定する解約手当金の額の算定については、第十一条第四項中「貸付けを受け又は受けることとなつた共済金」とあるのは、「貸付けを受けた共済金」と読み替えて同項を適用するものとする。
art-18/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-18/par-2
With regard to the calculation of the amount of the cancellation refund prescribed in the preceding paragraph, Article 11, paragraph (4) applies with the phrase "mutual aid benefits already lent or to be lent" in that paragraph deemed to be replaced with "mutual aid benefits already lent".
machine translation, not official
**第三項** 第一項の先取特権の順位は、民法（明治二十九年法律第八十九号）の規定による一般の先取特権に次ぐものとする。
art-18/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-18/par-3
The order of precedence of the statutory lien under paragraph (1) ranks next after the general statutory liens under the provisions of the Civil Code (Act No. 89 of 1896).
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### 第十九条（時効） — Prescription
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art-19 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-19
**第一項** 解約手当金又は完済手当金の支給を受ける権利はこれらを行使することができる時から五年間、掛金の納付を受ける権利はこれを行使することができる時から二年間行使しないときは、時効によつて消滅する。
art-19/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-19/par-1
The right to receive payment of a cancellation refund or full repayment allowance is extinguished by prescription if not exercised for five years from the time when it can be exercised, and the right to receive payment of premiums is extinguished by prescription if not exercised for two years from the time when it can be exercised.
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### 第二十条（期間計算の特例） — Special Provisions on Calculation of Periods
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art-20 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-20
**第一項** 共済金の貸付け又は早期償還手当金、解約手当金若しくは完済手当金の支給の請求に係る期間を計算する場合において、その請求が郵便又は民間事業者による信書の送達に関する法律（平成十四年法律第九十九号）第二条第六項に規定する一般信書便事業者若しくは同条第九項に規定する特定信書便事業者による同条第二項に規定する信書便により行われたものであるときは、送付に要した日数は、その期間に算入しない。
art-20/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-20/par-1
When calculating a period relating to a request for a loan of mutual aid benefits or for payment of an early repayment allowance, cancellation refund or full repayment allowance, where the request was made by mail, or by a general correspondence delivery provider prescribed in Article 2, paragraph (6) of the Act on Correspondence Delivery by Private Business Operators (Act No. 99 of 2002) or a specified correspondence delivery provider prescribed in paragraph (9) of that Article, by correspondence delivery prescribed in paragraph (2) of that Article, the number of days required for sending is not counted in that period.
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### 第二十一条（課税の特例） — Special Provisions on Taxation
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art-21 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-21
**第一項** この法律の規定に基づき掛金を納付した共済契約者については、租税特別措置法（昭和三十二年法律第二十六号）で定めるところにより、法人税又は所得税の課税につき特別の措置を講ずるものとする。
art-21/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-21/par-1
With regard to a mutual aid policyholder who has paid premiums under the provisions of this Act, special measures are to be taken for the imposition of corporation tax or income tax, as provided for by the Act on Special Measures Concerning Taxation (Act No. 26 of 1957).
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### 第二十二条（経過措置） — Transitional Measures
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art-22 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-22
**第一項** この法律の規定に基づき命令を制定し、又は改廃する場合においては、その命令で、その制定又は改廃に伴い合理的に必要と判断される範囲内において、所要の経過措置を定めることができる。
art-22/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-22/par-1
Where an order is established, amended or abolished under the provisions of this Act, necessary transitional measures may be provided for by that order within the scope judged reasonably necessary in connection with that establishment, amendment or abolition.
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### 第二十三条（検討） — Review
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art-23 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-23
**第一項** 掛金の額、共済金の貸付額その他中小企業倒産防止共済制度に関する基本的事項は、少なくとも五年ごとに、中小企業倒産防止共済事業の収支状況及び利用状況の推移及び予想等を基礎として検討するものとする。
art-23/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-23/par-1
Fundamental matters concerning the system of mutual aid for the prevention of bankruptcy of small and medium-sized enterprises, such as the amount of premiums and the loan amount of mutual aid benefits, are to be reviewed at least every five years on the basis of the trends in and forecasts of the revenue and expenditure situation and the usage situation of the small and medium-sized enterprise bankruptcy prevention mutual aid business.
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---
# 附則・別表・様式 (supplementary provisions, appended tables and forms)
## 附 則
suppl-3521-84 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84
### 第一条（施行期日） — Effective Date
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suppl-3521-84/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-1
**第一項** この法律は、公布の日から起算して五月を超えない範囲内において政令で定める日から施行する。
suppl-3521-84/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-1/par-1
This Act comes into effect on the date specified by Cabinet Order within a period not exceeding five months from the date of promulgation.
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### 第二条（掛金前納及び共済金の貸付けに関する特例） — Special Provisions on Advance Payment of Premiums and Loans of Mutual Aid Benefits
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suppl-3521-84/art-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-2
**第一項** 共済契約者は、この法律の施行の日から起算して一年を経過する日までの間において掛金前納をするときは、その掛金前納に際し、掛金月額の六十倍に相当する額から既に納付された掛金の額及び既に掛金前納をしたときはその掛金（第十五条第二項の規定により納付された掛金とみなされたものを除く。）の額を控除した額（共済契約の申込みの時に掛金前納をする場合にあつては、掛金月額の六十倍に相当する額から申込金の額を控除した額）の範囲内の額に限り、その掛金前納に係る掛金につき、同条第一項の規定による減額をすることを要しない旨を、事業団に申し出ることができる。
suppl-3521-84/art-2/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-1
A mutual aid policyholder who makes an advance payment of premiums during the period until the day on which one year has elapsed from the day of enforcement of this Act may, upon making that advance payment of premiums, state to the Corporation that, only for an amount within the amount obtained by deducting from an amount equivalent to 60 times the monthly premium the amount of premiums already paid and, where an advance payment of premiums has already been made, the amount of those premiums (excluding those deemed to have been paid pursuant to Article 15, paragraph (2)) (where the advance payment of premiums is made at the time of the application for a mutual aid contract, the amount obtained by deducting the amount of the application money from an amount equivalent to 60 times the monthly premium), it is not necessary to make the reduction under paragraph (1) of that Article for the premiums relating to that advance payment of premiums.
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**第二項** 前項の規定による申出をしたところにより掛金前納をした共済契約者の取引の相手方たる事業者につき倒産が発生した場合であつて、当該共済契約者との取引の対価として当該事業者が振り出した約束手形又は当該事業者が引き受けた為替手形であつて当該共済契約者が通商産業省令で定める金融機関により割引を受けたものにつき当該共済契約者が当該金融機関から遡求権の行使又は買い戻すべき旨の請求を受けてこれに応じた場合における共済金の貸付けに関する第九条第一項の規定の適用については、同項中「六月未満」とあるのは、「三月未満」とする。
suppl-3521-84/art-2/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-2
Where a bankruptcy occurs with respect to a business operator that is a counterparty to the transactions of a mutual aid policyholder who has made an advance payment of premiums as stated in an application under the preceding paragraph, and, in respect of a promissory note drawn by that business operator, or a bill of exchange accepted by that business operator, as consideration for transactions with that mutual aid policyholder, which the mutual aid policyholder had discounted by a financial institution specified by Order of the Ministry of International Trade and Industry, the financial institution has exercised its right of recourse against the mutual aid policyholder or requested it to repurchase the note or bill and the mutual aid policyholder has complied, the phrase "less than six months" in Article 9, paragraph (1) is deemed to be replaced with "less than three months" for the application of that paragraph to the loan of mutual aid benefits.
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**第三項** 前項の規定により読み替えて適用する第九条第一項の共済金の貸付額は、同条第二項の規定にかかわらず、次の各号に掲げる額のうちいずれか少ない額の範囲内において、共済契約者が請求した額とする。
suppl-3521-84/art-2/par-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3
Notwithstanding Article 9, paragraph (2), the loan amount of mutual aid benefits under Article 9, paragraph (1) as applied with terms replaced pursuant to the preceding paragraph is the amount requested by the mutual aid policyholder within the range of the least of the amounts set out in the following items:
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**一** 倒産に係る取引の相手方たる事業者に対する売掛金債権等のうち回収が困難となつたものの額
suppl-3521-84/art-2/par-3/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3/item-1
the amount of accounts receivable, etc. against the business operator that is the counterparty to the transaction relating to the bankruptcy that have become difficult to collect;
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**二** 貸付けの請求があつた日における納付された掛金と倒産の発生前三月以前に第一項の規定による申出に係る掛金前納がされた掛金（第十五条第二項の規定により納付された掛金とみなされたものを除く。）との合計額（共済契約が効力を生じた日から倒産の発生の日までの期間が六月未満であるとき又は倒産の発生の日までに掛金が納付された月数が六月未満であるときは、倒産の発生前三月以前に第一項の規定による申出に係る掛金前納がされた掛金の額）から第九条第二項各号に掲げる額の合計額を控除した額の十倍に相当する額
suppl-3521-84/art-2/par-3/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3/item-2
an amount equivalent to ten times the amount obtained by deducting the total amount of the amounts set out in the items of Article 9, paragraph (2) from the total amount of the premiums paid as of the date on which the request for the loan was made and the premiums for which an advance payment of premiums relating to a statement under paragraph (1) was made three months or more before the occurrence of the bankruptcy (excluding those deemed to have been paid pursuant to Article 15, paragraph (2)) (where the period from the date on which the mutual aid contract took effect to the date of occurrence of the bankruptcy is less than six months, or where the number of months in which premiums were paid up to the date of occurrence of the bankruptcy is less than six months, the amount of the premiums for which an advance payment of premiums relating to a statement under paragraph (1) was made three months or more before the occurrence of the bankruptcy);
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**三** 貸付けの請求があつた日における納付された掛金の合計額から第九条第二項各号に掲げる額の合計額を控除した額の十倍に相当する額と当該遡求権の行使又は買い戻すべき旨の請求に係る手形の額面額との合計額（共済契約が効力を生じた日から倒産の発生の日までの期間が六月未満であるとき又は倒産の発生の日までに掛金が納付された月数が六月未満であるときは、当該手形の額面額）
suppl-3521-84/art-2/par-3/item-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3/item-3
the total amount of an amount equivalent to ten times the amount obtained by deducting the total amount of the amounts set out in the items of Article 9, paragraph (2) from the total amount of premiums paid as of the date on which the request for the loan was made and the face value of the bill relating to that exercise of the right of recourse or request to repurchase (where the period from the date on which the mutual aid contract took effect to the date of occurrence of the bankruptcy is less than six months, or where the number of months in which premiums were paid up to the date of occurrence of the bankruptcy is less than six months, the face value of that bill).
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**第四項** 第一項の規定による申出に係る掛金前納をした共済契約者に係る解約手当金の支給及び掛金総額の算定に関する事項並びに第二項の規定により読み替えて適用する第九条第一項の規定により共済金の貸付けを受け又は受けることとなつた共済契約者の取引の相手方たる事業者につき新たに倒産が発生した場合における共済金の貸付けに関する事項についてのこの法律の規定の適用上必要な読替えについては、政令で定める。
suppl-3521-84/art-2/par-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-4
Cabinet Order specifies the replacement of terms necessary for the application of the provisions of this Act to matters concerning the payment of cancellation refunds and the calculation of the total premium amount for a mutual aid policyholder who has made an advance payment of premiums relating to a statement under paragraph (1), and to matters concerning loans of mutual aid benefits where a new bankruptcy occurs with respect to a business operator that is a counterparty to the transactions of a mutual aid policyholder who has received, or is to receive, a loan of mutual aid benefits pursuant to Article 9, paragraph (1) as applied with terms replaced pursuant to paragraph (2).
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## 附 則 昭和五五年五月二〇日法律第五三号
suppl-3551-53 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-53
### 第一条（施行期日） — Effective Date
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suppl-3551-53/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-53/art-1
**第一項** この法律は、公布の日から施行する。ただし、附則第十六条から第三十六条までの規定は、公布の日から起算して六月を超えない範囲内において政令で定める日から施行する。
suppl-3551-53/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-53/art-1/par-1
This Act comes into effect on the date of promulgation; provided, however, that the provisions of Articles 16 through 36 of the Supplementary Provisions come into effect on the date specified by Cabinet Order within a period not exceeding six months from the date of promulgation.
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### 第二十五条（中小企業倒産防止共済法の一部改正に伴う経過措置） — Transitional Measures Accompanying the Partial Amendment of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises
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suppl-3551-53/art-25 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-53/art-25
**第一項** 前条の規定の施行前に改正前の中小企業倒産防止共済法の規定によつてした共済契約の申込み、掛金月額の増加又は減少の申込みその他の手続は、改正後の同法の規定によつてしたものとみなす。
suppl-3551-53/art-25/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-53/art-25/par-1
An application for a mutual aid contract, an application for an increase or decrease in the monthly premium, and any other procedure made before the enforcement of the provisions of the preceding Article under the provisions of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises before amendment are deemed to have been made under the provisions of that Act after amendment.
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## 附 則 昭和五五年五月三一日法律第七二号
suppl-3551-72 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-72
**第一項** この法律は、公布の日から施行する。
suppl-3551-72/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-72/par-1
This Act comes into effect on the date of promulgation.
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## 附 則 昭和五五年六月一〇日法律第八一号
suppl-3551-81 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-81
**第一項** この法律は、公布の日から施行する。
suppl-3551-81/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3551-81/par-1
This Act comes into effect on the date of promulgation.
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## 附 則 昭和六〇年五月一日法律第二九号
suppl-3601-29 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29
### 第一条（施行期日） — Effective Date
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suppl-3601-29/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29/art-1
**第一項** この法律は、公布の日から起算して六月を超えない範囲内において政令で定める日から施行する。ただし、第四条第二項、第十二条第三項及び第四項並びに第十四条第三項及び第四項の改正規定は、公布の日から施行する。
suppl-3601-29/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29/art-1/par-1
This Act comes into effect on the date specified by Cabinet Order within a period not exceeding six months from the date of promulgation; provided, however, that the provisions amending Article 4, paragraph (2), Article 12, paragraphs (3) and (4) and Article 14, paragraphs (3) and (4) come into effect on the date of promulgation.
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### 第二条（経過措置） — Transitional Measures
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suppl-3601-29/art-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29/art-2
**第一項** この法律の施行前に発生した倒産に係る共済金の貸付額の範囲については、なお従前の例による。
suppl-3601-29/art-2/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29/art-2/par-1
The provisions then in force continue to govern the scope of the loan amount of mutual aid benefits relating to a bankruptcy that occurred before the enforcement of this Act.
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### 第三条
suppl-3601-29/art-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29/art-3
**第一項** この法律の施行前に行われた共済契約の解除に係る解約手当金の支給については、なお従前の例による。
suppl-3601-29/art-3/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29/art-3/par-1
The provisions then in force continue to govern the payment of a cancellation refund relating to the cancellation of a mutual aid contract made before the enforcement of this Act.
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### 第四条
suppl-3601-29/art-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29/art-4
**第一項** この法律の施行前に共済契約者についてあつた相続に係る当該共済契約者の有していた地位の承継の承諾については、なお従前の例による。
suppl-3601-29/art-4/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-3601-29/art-4/par-1
The provisions then in force continue to govern the consent to succession to the position held by a mutual aid policyholder, relating to an inheritance that occurred with respect to that mutual aid policyholder before the enforcement of this Act.
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## 附 則 平成一〇年六月五日法律第九五号
suppl-4101-95 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4101-95
**第一項** この法律は、公布の日から施行する。
suppl-4101-95/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4101-95/par-1
This Act comes into effect on the date of promulgation.
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## 附 則 平成一一年三月三一日法律第一九号
suppl-4111-19 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-19
### 第一条（施行期日） — Effective Date
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suppl-4111-19/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-19/art-1
**第一項** この法律は、平成十一年七月一日から施行する。ただし、次条並びに附則第三条、第十一条、第十二条及び第五十九条の規定は、公布の日から施行する。
suppl-4111-19/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-19/art-1/par-1
This Act comes into effect on July 1, 1999; provided, however, that the provisions of the following Article and Articles 3, 11, 12 and 59 of the Supplementary Provisions come into effect on the date of promulgation.
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### 第三十三条（中小企業倒産防止共済法の一部改正に伴う経過措置） — Transitional Measures Accompanying the Partial Amendment of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises
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suppl-4111-19/art-33 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-19/art-33
**第一項** 前条の規定の施行前に同条の規定による改正前の中小企業倒産防止共済法の規定によってした共済契約の申込み、掛金月額の増加又は減少の申込みその他の手続は、同条の規定による改正後の中小企業倒産防止共済法の規定によってしたものとみなす。
suppl-4111-19/art-33/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-19/art-33/par-1
An application for a mutual aid contract, an application for an increase or decrease in the monthly premium, and any other procedure made before the enforcement of the provisions of the preceding Article under the provisions of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises before amendment by the provisions of that Article are deemed to have been made under the provisions of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises as amended by the provisions of that Article.
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### 第五十九条（その他の経過措置の政令への委任） — Delegation of Other Transitional Measures to Cabinet Order
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suppl-4111-19/art-59 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-19/art-59
**第一項** この附則に規定するもののほか、この法律の施行に伴い必要な経過措置は、政令で定める。
suppl-4111-19/art-59/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-19/art-59/par-1
Beyond what is provided for in these Supplementary Provisions, transitional measures necessary incidental to the enforcement of this Act are specified by Cabinet Order.
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## 附 則 平成一一年一二月三日法律第一四六号
suppl-4111-146 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-146
### 第一条（施行期日） — Effective Date
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suppl-4111-146/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-146/art-1
**第一項** この法律は、公布の日から施行する。
suppl-4111-146/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-146/art-1/par-1
This Act comes into effect on the date of promulgation.
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### 第十五条（政令への委任） — Delegation to Cabinet Order
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suppl-4111-146/art-15 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-146/art-15
**第一項** 附則第二条から前条までに定めるもののほか、この法律の施行に関して必要となる経過措置は、政令で定める。
suppl-4111-146/art-15/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-146/art-15/par-1
In addition to what is provided for in Article 2 through the preceding Article of the Supplementary Provisions, transitional measures necessary for the enforcement of this Act are specified by Cabinet Order.
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## 附 則 平成一一年一二月二二日法律第一六〇号
suppl-4111-160 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-160
### 第一条（施行期日） — Effective Date
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suppl-4111-160/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-160/art-1
**第一項** この法律（第二条及び第三条を除く。）は、平成十三年一月六日から施行する。ただし、次の各号に掲げる規定は、当該各号に定める日から施行する。
suppl-4111-160/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-160/art-1/par-1
This Act (excluding Articles 2 and 3) comes into effect on January 6, 2001; provided, however, that the provisions set forth in the following items come into effect as of the days specified in those items.
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**一** 第九百九十五条（核原料物質、核燃料物質及び原子炉の規制に関する法律の一部を改正する法律附則の改正規定に係る部分に限る。）、第千三百五条、第千三百六条、第千三百二十四条第二項、第千三百二十六条第二項及び第千三百四十四条の規定 公布の日
suppl-4111-160/art-1/par-1/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-160/art-1/par-1/item-1
the provisions of Article 995 (limited to the part pertaining to the provisions amending the Supplementary Provisions of the Act Partially Amending the Act on the Regulation of Nuclear Source Material, Nuclear Fuel Material and Reactors), Articles 1305 and 1306, Article 1324, paragraph (2), Article 1326, paragraph (2), and Article 1344: the date of promulgation.
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## 附 則 平成一一年一二月二二日法律第二二五号
suppl-4111-225 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-225
### 第一条（施行期日） — Effective Date
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suppl-4111-225/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-225/art-1
**第一項** この法律は、公布の日から起算して六月を超えない範囲内において政令で定める日から施行する。
suppl-4111-225/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-225/art-1/par-1
This Act comes into effect as of the day specified by Cabinet Order within a period not exceeding six months from the date of promulgation.
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### 第二十五条（民法等の一部改正に伴う経過措置） — Transitional Measures Accompanying the Partial Amendment of the Civil Code, etc.
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suppl-4111-225/art-25 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-225/art-25
**第一項** この法律の施行前に和議開始の申立てがあった場合又は当該申立てに基づきこの法律の施行前若しくは施行後に和議開始の決定があった場合においては、当該申立て又は決定に係る次の各号に掲げる法律の規定に定める事項に関する取扱いについては、この法律の附則の規定による改正後のこれらの規定にかかわらず、なお従前の例による。
suppl-4111-225/art-25/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-225/art-25/par-1
In the case where a petition for commencement of composition proceedings was filed before this Act comes into effect, or where an order commencing composition proceedings was made before or after this Act comes into effect based on that petition, with regard to the treatment of the matters prescribed in the provisions of the Acts listed in the following items pertaining to that petition or order, the provisions then in force continue to govern, notwithstanding those provisions as amended by the provisions of the Supplementary Provisions of this Act:
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**一から十四まで** 略
suppl-4111-225/art-25/par-1/item-1-to-14 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-225/art-25/par-1/item-1-to-14
Omitted
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**十五** 中小企業倒産防止共済法第二条第二項第一号
suppl-4111-225/art-25/par-1/item-15 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4111-225/art-25/par-1/item-15
Article 2, paragraph (2), item (i) of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises.
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## 附 則 平成一二年五月三一日法律第九一号
suppl-4121-91 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4121-91
**第一項** この法律は、商法等の一部を改正する法律（平成十二年法律第九十号）の施行の日から施行する。
suppl-4121-91/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4121-91/par-1
This Act comes into effect on the day on which the Act Partially Amending the Commercial Code, etc. (Act No. 90 of 2000) comes into effect.
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## 附 則 平成一四年七月三一日法律第一〇〇号
suppl-4141-100 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-100
### 第一条（施行期日） — Effective Date
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suppl-4141-100/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-100/art-1
**第一項** この法律は、民間事業者による信書の送達に関する法律（平成十四年法律第九十九号）の施行の日から施行する。
suppl-4141-100/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-100/art-1/par-1
This Act comes into effect as of the date on which the Act on Correspondence Delivery by Private Business Operators (Act No. 99 of 2002) comes into effect.
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### 第三条（その他の経過措置の政令への委任） — Delegation of Other Transitional Measures to Cabinet Order
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suppl-4141-100/art-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-100/art-3
**第一項** 前条に定めるもののほか、この法律の施行に関し必要な経過措置は、政令で定める。
suppl-4141-100/art-3/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-100/art-3/par-1
Beyond what is provided for in the preceding Article, the transitional measures necessary for the enforcement of this Act are specified by Cabinet Order.
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## 附 則 平成一四年一二月一一日法律第一四六号
suppl-4141-146 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-146
### 第一条（施行期日） — Effective Date
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suppl-4141-146/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-146/art-1
**第一項** この法律は、独立行政法人中小企業基盤整備機構（以下「機構」という。）の成立の時から施行する。ただし、次の各号に掲げる規定は、当該各号に定める日から施行する。
suppl-4141-146/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-146/art-1/par-1
This Act comes into effect from the time of establishment of the Organization for Small and Medium Enterprises and Regional Innovation, JAPAN (hereinafter referred to as the "Organization"); provided, however, that the provisions set forth in the following items come into effect as of the date specified in the respective items.
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**一** 次条から附則第五条まで並びに附則第十八条及び第五十二条の規定 公布の日
suppl-4141-146/art-1/par-1/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-146/art-1/par-1/item-1
the provisions of the following Article through Article 5 of the Supplementary Provisions, and Articles 18 and 52 of the Supplementary Provisions: the date of promulgation.
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### 第三十五条（中小企業倒産防止共済法の一部改正に伴う経過措置） — Transitional Measures Accompanying the Partial Amendment of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises
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suppl-4141-146/art-35 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-146/art-35
**第一項** 前条の規定の施行前に同条の規定による改正前の中小企業倒産防止共済法の規定によってした共済契約の申込み、掛金月額の増加又は減少の申込みその他の手続は、同条の規定による改正後の中小企業倒産防止共済法の規定によってしたものとみなす。
suppl-4141-146/art-35/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-146/art-35/par-1
An application for a mutual aid contract, an application for an increase or decrease in the monthly premium, and any other procedure made before the enforcement of the provisions of the preceding Article under the provisions of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises before amendment by the provisions of that Article are deemed to have been made under the provisions of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises as amended by the provisions of that Article.
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### 第五十二条（政令への委任） — Delegation to Cabinet Order
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suppl-4141-146/art-52 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-146/art-52
**第一項** この附則に規定するもののほか、この法律の施行に伴い必要な経過措置は、政令で定める。
suppl-4141-146/art-52/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4141-146/art-52/par-1
Beyond what is provided for in these Supplementary Provisions, transitional measures necessary incidental to the enforcement of this Act are specified by Cabinet Order.
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## 附 則 平成一六年四月二一日法律第三五号
suppl-4161-35 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-35
### 第一条（施行期日） — Effective Date
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suppl-4161-35/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-35/art-1
**第一項** この法律は、次の各号に掲げる区分に応じ、当該各号に定める日又は時から施行する。
suppl-4161-35/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-35/art-1/par-1
This Act comes into effect on the dates or at the times specified in the following items, according to the categories of provisions set forth in those items:
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**一** 第二条、次条（中小企業総合事業団法及び機械類信用保険法の廃止等に関する法律（平成十四年法律第百四十六号）附則第九条から第十八条までの改正規定を除く。）並びに附則第三条から第七条まで、第十一条、第二十二条及び第三十条の規定 公布の日
suppl-4161-35/art-1/par-1/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-35/art-1/par-1/item-1
the provisions of Article 2 and the following Article (excluding the provisions amending Articles 9 through 18 of the Supplementary Provisions of the Act on the Abolition, etc. of the Japan Small and Medium Enterprise Corporation Act and the Machinery Credit Insurance Act (Act No. 146 of 2002)), and the provisions of Articles 3 through 7, Article 11, Article 22 and Article 30 of the Supplementary Provisions: the date of promulgation.
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## 附 則 平成一六年六月二日法律第七六号
suppl-4161-76 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-76
### 第一条（施行期日） — Effective Date
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suppl-4161-76/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-76/art-1
**第一項** この法律は、破産法（平成十六年法律第七十五号。次条第八項並びに附則第三条第八項、第五条第八項、第十六項及び第二十一項、第八条第三項並びに第十三条において「新破産法」という。）の施行の日から施行する。
suppl-4161-76/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-76/art-1/par-1
This Act comes into effect as of the date on which the Bankruptcy Act (Act No. 75 of 2004; referred to as "the new Bankruptcy Act" in paragraph (8) of the following Article and in Article 3, paragraph (8), Article 5, paragraphs (8), (16) and (21), Article 8, paragraph (3), and Article 13 of the Supplementary Provisions) comes into effect.
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### 第十四条（政令への委任） — Delegation to Cabinet Order
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suppl-4161-76/art-14 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-76/art-14
**第一項** 附則第二条から前条までに規定するもののほか、この法律の施行に関し必要な経過措置は、政令で定める。
suppl-4161-76/art-14/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4161-76/art-14/par-1
Beyond what is provided for in Article 2 through the preceding Article of the Supplementary Provisions, the transitional measures necessary for the enforcement of this Act are specified by Cabinet Order.
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## 附 則 平成一七年七月二六日法律第八七号
suppl-4171-87 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4171-87
**第一項** この法律は、会社法の施行の日から施行する。
suppl-4171-87/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4171-87/par-1
This Act comes into effect on the date on which the Companies Act comes into effect.
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## 附 則 平成二二年四月二一日法律第二五号
suppl-4221-25 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25
### 第一条（施行期日） — Effective Date
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suppl-4221-25/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-1
**第一項** この法律は、公布の日から起算して一年六月を超えない範囲内において政令で定める日から施行する。ただし、次の各号に掲げる規定は、当該各号に定める日から施行する。
suppl-4221-25/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-1/par-1
This Act comes into effect on the date specified by Cabinet Order within a period not exceeding one year and six months from the date of promulgation; provided, however, that the provisions listed in the following items come into effect as of the date specified in the respective items.
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**一** 第二条第二項に一号を加える改正規定、第九条第二項第三号の改正規定並びに次条及び附則第四条の規定 公布の日から起算して三月を超えない範囲内において政令で定める日
suppl-4221-25/art-1/par-1/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-1/par-1/item-1
the provisions amending Article 2, paragraph (2) by adding one item, the provisions amending Article 9, paragraph (2), item (iii), and the provisions of the following Article and Article 4 of the Supplementary Provisions: the date specified by Cabinet Order within a period not exceeding three months from the date of promulgation;
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**二** 附則第八条の規定 公布の日
suppl-4221-25/art-1/par-1/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-1/par-1/item-2
the provisions of Article 8 of the Supplementary Provisions: the date of promulgation.
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### 第二条（共済金を貸し付ける事態に関する経過措置） — Transitional Measures Concerning Situations in Which Mutual Aid Benefits Are Lent
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suppl-4221-25/art-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-2
**第一項** 第二条第二項に一号を加える改正規定の施行前に生じたこの法律による改正後の第二条第二項第三号に規定する事態に相当する事態に係る共済金の貸付けについては、なお従前の例による。
suppl-4221-25/art-2/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-2/par-1
With regard to the lending of mutual aid benefits relating to a situation that arose before the enforcement of the provisions amending Article 2, paragraph (2) by adding one item and that is equivalent to the situation prescribed in Article 2, paragraph (2), item (iii) as amended by this Act, the provisions then in force continue to govern.
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### 第三条（申込金に関する経過措置） — Transitional Measures Concerning Application Money
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suppl-4221-25/art-3 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-3
**第一項** この法律の施行前に行われた共済契約の申込みに係る申込金については、なお従前の例による。
suppl-4221-25/art-3/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-3/par-1
With regard to application money relating to an application for a mutual aid contract made prior to the enforcement of this Act, the provisions then in force continue to govern.
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### 第四条（共済金の貸付けに際して掛金の合計額から控除する額に関する経過措置） — Transitional Measures Concerning the Amount to Be Deducted from the Total Amount of Premiums upon a Loan of Mutual Aid Benefits
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suppl-4221-25/art-4 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-4
**第一項** 第九条第二項第三号の改正規定の施行後に行われる貸付けの請求のうち、倒産の発生の日からこの法律の公布の日の前日までの間において掛金月額の増加の効力が生じた共済契約に係るものに対する共済金の貸付額については、なお従前の例による。
suppl-4221-25/art-4/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-4/par-1
With regard to the loan amount of mutual aid benefits for a request for a loan made after the enforcement of the provisions amending Article 9, paragraph (2), item (iii), where the request relates to a mutual aid contract for which an increase in the monthly premium took effect during the period from the date of occurrence of the bankruptcy until the day preceding the date of promulgation of this Act, the provisions then in force continue to govern.
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### 第五条（時効に関する経過措置） — Transitional Measures Concerning Prescription
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suppl-4221-25/art-5 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-5
**第一項** この法律の施行前に生じた申込金の返還を受ける権利及び附則第三条の規定によりなお従前の例によることとされる場合におけるこの法律の施行後に生じた申込金の返還を受ける権利の消滅時効については、なお従前の例による。
suppl-4221-25/art-5/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-5/par-1
With regard to extinctive prescription of the right to receive the return of application money that arose prior to the enforcement of this Act, and of the right to receive the return of application money that arose after the enforcement of this Act in cases where the provisions then in force are to continue to govern pursuant to the provisions of Article 3 of the Supplementary Provisions, the provisions then in force continue to govern.
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### 第八条（政令への委任） — Delegation to Cabinet Order
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suppl-4221-25/art-8 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-8
**第一項** この附則に定めるもののほか、この法律の施行に関し必要な経過措置は、政令で定める。
suppl-4221-25/art-8/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4221-25/art-8/par-1
Beyond what is provided for in these Supplementary Provisions, transitional measures necessary for the enforcement of this Act are specified by Cabinet Order.
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## 附 則 平成二九年六月二日法律第四五号
suppl-4291-45 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4291-45
**第一項** この法律は、民法改正法の施行の日から施行する。ただし、第百三条の二、第百三条の三、第二百六十七条の二、第二百六十七条の三及び第三百六十二条の規定は、公布の日から施行する。
suppl-4291-45/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4291-45/par-1
This Act comes into effect as of the date on which the Civil Code Amendment Act comes into effect; provided, however, that the provisions of Articles 103-2, 103-3, 267-2, 267-3 and 362 come into effect as of the date of promulgation.
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## 附 則 平成三〇年五月二三日法律第二六号
suppl-4301-26 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26
### 第一条（施行期日） — Effective Date
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suppl-4301-26/art-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-1
**第一項** この法律は、公布の日から起算して六月を超えない範囲内において政令で定める日から施行する。ただし、次の各号に掲げる規定は、当該各号に定める日から施行する。
suppl-4301-26/art-1/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-1/par-1
This Act comes into effect as of the date specified by Cabinet Order within a period not exceeding six months from the date of promulgation; provided, however, that provisions set forth in the following items come into effect on the date prescribed in each item:
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**一** 附則第十七条の規定 公布の日
suppl-4301-26/art-1/par-1/item-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-1/par-1/item-1
the provisions of Article 17 of the Supplementary Provisions: the date of promulgation;
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**二** 第二条、第五条及び第七条の規定並びに附則第十八条、第二十条、第二十四条、第二十六条、第二十八条及び第三十条の規定 公布の日から起算して九月を超えない範囲内において政令で定める日
suppl-4301-26/art-1/par-1/item-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-1/par-1/item-2
the provisions of Articles 2, 5 and 7, and Articles 18, 20, 24, 26, 28 and 30 of the Supplementary Provisions: the date specified by Cabinet Order within a period not exceeding nine months from the date of promulgation.
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### 第二条（見直し） — Review
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suppl-4301-26/art-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-2
**第一項** 政府は、この法律の施行後三年を目途として、経済社会情勢の変化を勘案しつつ、この法律による改正後の規定の施行の状況について検討を加え、その結果に基づいて必要な措置を講ずるものとする。
suppl-4301-26/art-2/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-2/par-1
The Government is to examine the status of enforcement of the provisions as amended by this Act, taking into account changes in economic and social conditions, aiming to do so three years after the enforcement of this Act, and take necessary measures based on the results.
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### 第十五条（中小企業倒産防止共済法の一部改正に伴う経過措置） — Transitional Measures Accompanying the Partial Amendment of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises
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suppl-4301-26/art-15 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-15
**第一項** 第二号施行日前に生じた第五条の規定による改正後の中小企業倒産防止共済法第二条第二項第三号に規定する事態に相当する事態に係る共済金の貸付けについては、なお従前の例による。
suppl-4301-26/art-15/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-15/par-1
With regard to the lending of mutual aid benefits relating to a situation that arose before the Item (ii) Effective Date and that is equivalent to the situation prescribed in Article 2, paragraph (2), item (iii) of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises as amended by the provisions of Article 5, the provisions then in force continue to govern.
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**第二項** 第五条の規定による改正前の中小企業倒産防止共済法（以下この項において「旧共済法」という。）の定めるところにより締結された共済契約（以下この項において「旧共済契約」という。）であって、第二号施行日前に旧共済法第七条第二項第一号に規定する一定の月分以上について掛金の納付を怠った場合における旧共済契約の解除については、なお従前の例による。
suppl-4301-26/art-15/par-2 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-15/par-2
With regard to the cancellation of a mutual aid contract concluded in accordance with the provisions of the Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises prior to amendment by the provisions of Article 5 (hereinafter in this paragraph referred to as the "Former Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises") (such contract being hereinafter in this paragraph referred to as a "former mutual aid contract"), where, before the Item (ii) Effective Date, premiums were not paid for the specified number of months or more prescribed in Article 7, paragraph (2), item (i) of the Former Act on Mutual Relief System for the Prevention of Bankruptcies of Small and Medium-sized Enterprises, the provisions then in force continue to govern.
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### 第十七条（その他の経過措置の政令への委任） — Delegation of Other Transitional Measures to Cabinet Order
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suppl-4301-26/art-17 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-17
**第一項** この附則に規定するもののほか、この法律の施行に伴い必要な経過措置（罰則に関する経過措置を含む。）は、政令で定める。
suppl-4301-26/art-17/par-1 · https://japanlaw.org/en/sme-bankruptcy-prevention-act/suppl-4301-26/art-17/par-1
Beyond what is provided for in these Supplementary Provisions, transitional measures necessary in connection with the enforcement of this Act (including transitional measures concerning penal provisions) are specified by Cabinet Order.
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## Sources
- e-Gov 法令検索, Digital Agency (デジタル庁) — 中小企業倒産防止共済法 — the text in force from 2020-04-01 (https://laws.e-gov.go.jp/law/352AC0000000084/20200401_429AC0000000045), retrieved 2026-11-06
- Japanese Law Translation Database System, Ministry of Justice (法務省) — 中小企業倒産防止共済法 — its English title as the Ministry of Justice's translation database lists it (https://www.japaneselawtranslation.go.jp/en/laws/view/1056), retrieved 2026-10-07
- claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-001, translated 2026-11-07
- claude-sonnet-5-5, corrected on review by claude-opus-5-5 — Machine translation corrected on review, batch sme-bankruptcy-prevention-act-20261106T173426-001, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-002, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-003, translated 2026-11-07
- claude-sonnet-5-5, corrected on review by claude-opus-5-5 — Machine translation corrected on review, batch sme-bankruptcy-prevention-act-20261106T173426-003, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-004, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-005, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-006, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-007, translated 2026-11-07
- claude-sonnet-5-5, corrected on review by claude-opus-5-5 — Machine translation corrected on review, batch sme-bankruptcy-prevention-act-20261106T173426-007, translated 2026-11-07
- claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-008, translated 2026-11-07
- This site's parser, version 225 — 中小企業倒産防止共済法 — structure, counts, cross-references and defined terms, computed 2026-11-06