# 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 — 第十四条 (Article 14) This is the Markdown twin of https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14. 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: 第十四条 (Article 14)（掛金の納付） — address `art-14` - Text in force since: 2020-04-01 - URL (the page that opens at this provision): https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14 - 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. --- ### 第十四条（掛金の納付） — Payment of Premiums caption: machine translation, not official 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 --- ## Cites - art-14/par-1: 第三項から第六項まで → 中小企業倒産防止共済法 第十四条第三項 (Article 14, paragraph (3)), art-14/par-3 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-3 - art-14/par-1: 第三項から第六項まで → 中小企業倒産防止共済法 第十四条第四項 (Article 14, paragraph (4)), art-14/par-4 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-4 - art-14/par-1: 第三項から第六項まで → 中小企業倒産防止共済法 第十四条第五項 (Article 14, paragraph (5)), art-14/par-5 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-5 - art-14/par-1: 第三項から第六項まで → 中小企業倒産防止共済法 第十四条第六項 (Article 14, paragraph (6)), art-14/par-6 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-6 - art-14/par-3: 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-14/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-14/par-5: 第九条第一項 → 中小企業倒産防止共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-1 - art-14/par-6: 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-14/par-6: 第九条第二項 → 中小企業倒産防止共済法 第九条第二項 (Article 9, paragraph (2)), art-9/par-2 — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-9/par-2 ## Cited by 1 provision cites this one. No official source publishes this direction. - 中小企業倒産防止共済法 第十四条第一項（掛金の納付） — https://japanlaw.org/en/sme-bankruptcy-prevention-act/art-14/par-1 --- ## 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-20261106T173426-004, 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