# 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 — 第十二条 (Article 12) This is the Markdown twin of https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12. 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. - Law: 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), 昭和五十二年法律第八十四号 - 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 - Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say. - Provision: 第十二条 (Article 12)（承継） — address `art-12` - Text in force since: 2020-04-01 - URL (the page that opens at this provision): https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12 - e-Gov law ID: 352AC0000000084 — never renamed. A permanent link, `/l/{lawId}/{address}` on this site, redirects to the page. - Every provision below carries its address and its URL on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. Only the Japanese as published by the government has legal effect; the text below is a copy of it. Every English rendering below is a translation and says which kind: the Ministry of Justice's translation, or this site's machine translation, whose model and date the Sources list names. They are never merged and never substituted for one another. --- ### 第十二条（承継） — Succession caption: machine translation, not official 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. machine translation, not official --- ## Cites - art-12/par-2: 前項 → 中小企業倒産防止共済法 第十二条第一項 (Article 12, paragraph (1)), art-12/par-1 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-1 - art-12/par-2/item-2: 前項 → 中小企業倒産防止共済法 第十二条第一項 (Article 12, paragraph (1)), art-12/par-1 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-1 - art-12/par-2/item-2: 第十条第三項 → 中小企業倒産防止共済法 第十条第三項 (Article 10, paragraph (3)), art-10/par-3 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10/par-3 - art-12/par-2/item-2: 第十条の二第五項 → 中小企業倒産防止共済法 第十条の二第五項 (Article 10-2, paragraph (5)), art-10-2/par-5 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-10-2/par-5 - art-12/par-2/item-2: 次条 → 中小企業倒産防止共済法 第十三条 (Article 13), art-13 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-13 - art-12/par-2/item-3: 第三条第三項 → 中小企業倒産防止共済法 第三条第三項 (Article 3, paragraph (3)), art-3/par-3 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-3/par-3 - art-12/par-3: 第一項 → 中小企業倒産防止共済法 第十二条第一項 (Article 12, paragraph (1)), art-12/par-1 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-1 - art-12/par-4: 第一項 → 中小企業倒産防止共済法 第十二条第一項 (Article 12, paragraph (1)), art-12/par-1 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-1 - art-12/par-4: 第十一条第四項 → 中小企業倒産防止共済法 第十一条第四項 (Article 11, paragraph (4)), art-11/par-4 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-11/par-4 - art-12/par-5: 前項 → 中小企業倒産防止共済法 第十二条第四項 (Article 12, paragraph (4)), art-12/par-4 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-4 - art-12/par-5/item-2: 前号 → 中小企業倒産防止共済法 第十二条第五項第一号 (Article 12, paragraph (5), item (i)), art-12/par-5/item-1 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-5/item-1 - art-12/par-6: 前三項 → 中小企業倒産防止共済法 第十二条第三項 (Article 12, paragraph (3)), art-12/par-3 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-3 - art-12/par-6: 前三項 → 中小企業倒産防止共済法 第十二条第四項 (Article 12, paragraph (4)), art-12/par-4 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-4 - art-12/par-6: 前三項 → 中小企業倒産防止共済法 第十二条第五項 (Article 12, paragraph (5)), art-12/par-5 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-5 ## Cited by 8 provisions cite this one. No official source publishes this direction. - 中小企業倒産防止共済法 第七条第四項（契約の解除） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-7/par-4 - 中小企業倒産防止共済法 第十二条第二項（承継） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-2 - 中小企業倒産防止共済法 第十二条第二項第二号（承継） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-2/item-2 - 中小企業倒産防止共済法 第十二条第三項（承継） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-3 - 中小企業倒産防止共済法 第十二条第四項（承継） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-4 - 中小企業倒産防止共済法 第十二条第五項（承継） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-5 - 中小企業倒産防止共済法 第十二条第五項第二号（承継） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-5/item-2 - 中小企業倒産防止共済法 第十二条第六項（承継） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-12/par-6 --- ## 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-20261106T173426-003, translated 2026-11-07 - claude-sonnet-5-5 — Machine translation, batch sme-bankruptcy-prevention-act-20261106T173426-004, 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