# 中小企業等経営強化法 / Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. — 第十条 (Article 10) This is the Markdown twin of https://japanlaw.org/en/sme-management-strengthening-act/art-10. 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: 中小企業等経営強化法 (Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc.), 平成十一年法律第十八号 - English title "Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc.": claude-opus-5-5 - 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: 第十条 (Article 10)（中小企業信用保険法の特例） — address `art-10` - Text in force since: 2026-01-01 - URL (the page that opens at this provision): https://japanlaw.org/en/sme-management-strengthening-act/art-10 - e-Gov law ID: 411AC0000000018 — 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. --- ### 第十条（中小企業信用保険法の特例） — Special Provisions for the Small and Medium-sized Enterprise Credit Insurance Act caption: machine translation, not official art-10 · https://japanlaw.org/en/sme-management-strengthening-act/art-10 **第一項** 中小企業信用保険法（昭和二十五年法律第二百六十四号）第三条第一項に規定する普通保険（以下「普通保険」という。）、同法第三条の二第一項に規定する無担保保険（以下「無担保保険」という。）又は同法第三条の三第一項に規定する特別小口保険（以下「特別小口保険」という。）の保険関係であって、社外高度人材活用新事業分野開拓関連保証（同法第三条第一項、第三条の二第一項又は第三条の三第一項に規定する債務の保証であって、認定社外高度人材活用新事業分野開拓事業（認定社外高度人材活用新事業分野開拓計画に従って行われる社外高度人材活用新事業分野開拓に係る事業をいう。以下同じ。）に必要な資金に係るものをいう。以下この条において同じ。）を受けた中小企業者に係るものについての次の表の上欄に掲げる同法の規定の適用については、これらの規定中同表の中欄に掲げる字句は、同表の下欄に掲げる字句とする。 第三条第一項 保険価額の合計額が 中小企業等経営強化法第十条第一項に規定する社外高度人材活用新事業分野開拓関連保証（以下「社外高度人材活用新事業分野開拓関連保証」という。）に係る保険関係の保険価額の合計額とその他の保険関係の保険価額の合計額とがそれぞれ 第三条の二第一項及び第三条の三第一項 保険価額の合計額が 社外高度人材活用新事業分野開拓関連保証に係る保険関係の保険価額の合計額とその他の保険関係の保険価額の合計額とがそれぞれ 第三条の二第三項及び第三条の三第二項 当該借入金の額のうち 社外高度人材活用新事業分野開拓関連保証及びその他の保証ごとに、それぞれ当該借入金の額のうち 当該債務者 社外高度人材活用新事業分野開拓関連保証及びその他の保証ごとに、当該債務者 art-10/par-1 · https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-1 With regard to the application of the provisions of the Small and Medium-sized Enterprise Credit Insurance Act listed in the left-hand column of the following table to an insurance relation of ordinary insurance prescribed in Article 3, paragraph (1) of the Small and Medium-sized Enterprise Credit Insurance Act (Act No. 264 of 1950) (hereinafter referred to as "ordinary insurance"), unsecured insurance prescribed in Article 3-2, paragraph (1) of that Act (hereinafter referred to as "unsecured insurance"), or special small-amount insurance prescribed in Article 3-3, paragraph (1) of that Act (hereinafter referred to as "special small-amount insurance") that pertains to a small and medium-sized enterprise that has received a guarantee related to developing new business fields using outside highly skilled personnel (meaning a guarantee of obligations prescribed in Article 3, paragraph (1), Article 3-2, paragraph (1) or Article 3-3, paragraph (1) of that Act that pertains to funds necessary for a certified project for developing new business fields using outside highly skilled personnel (meaning a project pertaining to developing new business fields using outside highly skilled personnel that is carried out in accordance with a certified plan for developing new business fields using outside highly skilled personnel; the same applies hereinafter); the same applies hereinafter in this Article), the phrases listed in the middle column of the table in those provisions are deemed to be replaced with the phrases listed in the right-hand column of that table. Article 3, paragraph (1) the total amount of insured values the total amount of insured values of insurance relations pertaining to a guarantee related to developing new business fields using outside highly skilled personnel prescribed in Article 10, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as a "guarantee related to developing new business fields using outside highly skilled personnel") and the total amount of insured values of other insurance relations, respectively Article 3-2, paragraph (1) and Article 3-3, paragraph (1) the total amount of insured values the total amount of insured values of insurance relations pertaining to a guarantee related to developing new business fields using outside highly skilled personnel and the total amount of insured values of other insurance relations, respectively Article 3-2, paragraph (3) and Article 3-3, paragraph (2) of the amount of the relevant loan for each of guarantees related to developing new business fields using outside highly skilled personnel and other guarantees, of the amount of the relevant loan the relevant debtor for each of guarantees related to developing new business fields using outside highly skilled personnel and other guarantees, the relevant debtor machine translation, not official **第二項** 中小企業信用保険法第三条の七第一項に規定する海外投資関係保険（以下「海外投資関係保険」という。）の保険関係であって、社外高度人材活用新事業分野開拓関連保証を受けた中小企業者に係るものについての同項及び同条第二項の規定の適用については、同条第一項中「二億円」とあるのは「三億円（中小企業等経営強化法第十条第一項に規定する認定社外高度人材活用新事業分野開拓事業に必要な資金（以下「社外高度人材活用新事業分野開拓事業資金」という。）以外の資金に係る債務の保証に係る保険関係については、二億円）」と、「四億円」とあるのは「六億円（社外高度人材活用新事業分野開拓事業資金以外の資金に係る債務の保証に係る保険関係については、四億円）」と、同条第二項中「二億円」とあるのは「三億円（社外高度人材活用新事業分野開拓事業資金以外の資金に係る債務の保証に係る保険関係については、二億円）」とする。 art-10/par-2 · https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-2 With regard to the application of Article 3-7, paragraphs (1) and (2) of the Small and Medium-sized Enterprise Credit Insurance Act to an insurance relation of overseas investment insurance prescribed in Article 3-7, paragraph (1) of that Act (hereinafter referred to as "overseas investment insurance") that pertains to a small and medium-sized enterprise that has received a guarantee related to developing new business fields using outside highly skilled personnel, the phrase "200 million yen" in paragraph (1) of that Article is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds necessary for a certified project for developing new business fields using outside highly skilled personnel prescribed in Article 10, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as "funds for a project for developing new business fields using outside highly skilled personnel"))", the phrase "400 million yen" is deemed to be replaced with "600 million yen (400 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds for a project for developing new business fields using outside highly skilled personnel)", and the phrase "200 million yen" in paragraph (2) of that Article is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds for a project for developing new business fields using outside highly skilled personnel)". machine translation, not official **第三項** 中小企業信用保険法第三条の八第一項に規定する新事業開拓保険（以下「新事業開拓保険」という。）の保険関係であって、社外高度人材活用新事業分野開拓関連保証を受けた中小企業者に係るものについての同項及び同条第二項の規定の適用については、同条第一項中「二億円」とあるのは「三億円（中小企業等経営強化法第十条第一項に規定する認定社外高度人材活用新事業分野開拓事業に必要な資金（以下「社外高度人材活用新事業分野開拓事業資金」という。）以外の資金に係る債務の保証に係る保険関係については、二億円）」と、「四億円」とあるのは「六億円（社外高度人材活用新事業分野開拓事業資金以外の資金に係る債務の保証に係る保険関係については、四億円）」と、同条第二項中「二億円」とあるのは「三億円（社外高度人材活用新事業分野開拓事業資金以外の資金に係る債務の保証に係る保険関係については、二億円）」とする。 art-10/par-3 · https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-3 With regard to the application of Article 3-8, paragraphs (1) and (2) of the Small and Medium-sized Enterprise Credit Insurance Act to an insurance relation of new business development insurance prescribed in Article 3-8, paragraph (1) of that Act (hereinafter referred to as "new business development insurance") that pertains to a small and medium-sized enterprise that has received a guarantee related to developing new business fields using outside highly skilled personnel, the phrase "200 million yen" in paragraph (1) of that Article is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds necessary for a certified project for developing new business fields using outside highly skilled personnel prescribed in Article 10, paragraph (1) of the Act on Strengthening the Management of Small and Medium-Sized Enterprises, etc. (hereinafter referred to as "funds for a project for developing new business fields using outside highly skilled personnel"))", the phrase "400 million yen" is deemed to be replaced with "600 million yen (400 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds for a project for developing new business fields using outside highly skilled personnel)", and the phrase "200 million yen" in paragraph (2) of that Article is deemed to be replaced with "300 million yen (200 million yen for an insurance relation pertaining to a guarantee of obligations related to funds other than funds for a project for developing new business fields using outside highly skilled personnel)". machine translation, not official **第四項** 普通保険の保険関係であって、社外高度人材活用新事業分野開拓関連保証に係るものについての中小企業信用保険法第三条第二項及び第五条の規定の適用については、同項中「百分の七十」とあり、及び同条中「百分の七十（無担保保険、特別小口保険、流動資産担保保険、公害防止保険、エネルギー対策保険、海外投資関係保険、新事業開拓保険、事業再生保険及び特定社債保険にあつては、百分の八十）」とあるのは、「百分の八十」とする。 art-10/par-4 · https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-4 With regard to the application of Article 3, paragraph (2) and Article 5 of the Small and Medium-sized Enterprise Credit Insurance Act to an insurance relation of ordinary insurance that pertains to a guarantee related to developing new business fields using outside highly skilled personnel, the phrase "70 percent" in that paragraph, and the phrase "70 percent (80 percent in the case of unsecured insurance, special small-amount insurance, current asset collateral insurance, pollution prevention insurance, energy measures insurance, overseas investment insurance, new business development insurance, business revitalization insurance and specified bond insurance)" in that Article, are deemed to be replaced with "80 percent". machine translation, not official **第五項** 普通保険、無担保保険又は特別小口保険の保険関係であって、社外高度人材活用新事業分野開拓関連保証に係るものについての保険料の額は、中小企業信用保険法第四条の規定にかかわらず、保険金額に年百分の二以内において政令で定める率を乗じて得た額とする。 art-10/par-5 · https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-5 The amount of the premium for an insurance relation of ordinary insurance, unsecured insurance or special small-amount insurance that pertains to a guarantee related to developing new business fields using outside highly skilled personnel is, notwithstanding Article 4 of the Small and Medium-sized Enterprise Credit Insurance Act, the amount obtained by multiplying the insured amount by the rate specified by Cabinet Order within 2 percent per year. machine translation, not official --- ## Cites - art-10/par-1: 中小企業信用保険法（昭和二十五年法律第二百六十四号）第三条第一項 → e-Gov law 325AC0000000264, 第三条第一項 (Article 3, paragraph (1)), art-3/par-1 — not held in this collection - art-10/par-1: 同法第三条の二第一項 → e-Gov law 325AC0000000264, 第三条の二第一項 (Article 3-2, paragraph (1)), art-3-2/par-1 — not held in this collection - art-10/par-1: 同法第三条の三第一項 → e-Gov law 325AC0000000264, 第三条の三第一項 (Article 3-3, paragraph (1)), art-3-3/par-1 — not held in this collection - art-10/par-1: この条 → 中小企業等経営強化法 第十条 (Article 10), art-10 — https://japanlaw.org/en/sme-management-strengthening-act/art-10 - art-10/par-1: 中小企業等経営強化法第十条第一項 → 中小企業等経営強化法 第十条第一項 (Article 10, paragraph (1)), art-10/par-1 — https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-1 - art-10/par-2: 中小企業信用保険法第三条の七第一項 → e-Gov law 325AC0000000264, 第三条の七第一項 (Article 3-7, paragraph (1)), art-3-7/par-1 — not held in this collection - art-10/par-2: 同条第二項 → e-Gov law 325AC0000000264, 第三条の七第二項 (Article 3-7, paragraph (2)), art-3-7/par-2 — not held in this collection - art-10/par-2: 中小企業等経営強化法第十条第一項 → 中小企業等経営強化法 第十条第一項 (Article 10, paragraph (1)), art-10/par-1 — https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-1 - art-10/par-3: 中小企業信用保険法第三条の八第一項 → e-Gov law 325AC0000000264, 第三条の八第一項 (Article 3-8, paragraph (1)), art-3-8/par-1 — not held in this collection - art-10/par-3: 同条第二項 → e-Gov law 325AC0000000264, 第三条の八第二項 (Article 3-8, paragraph (2)), art-3-8/par-2 — not held in this collection - art-10/par-3: 中小企業等経営強化法第十条第一項 → 中小企業等経営強化法 第十条第一項 (Article 10, paragraph (1)), art-10/par-1 — https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-1 - art-10/par-4: 中小企業信用保険法第三条第二項 → e-Gov law 325AC0000000264, 第三条第二項 (Article 3, paragraph (2)), art-3/par-2 — not held in this collection - art-10/par-4: 第五条 → e-Gov law 325AC0000000264, 第五条 (Article 5), art-5 — not held in this collection - art-10/par-5: 中小企業信用保険法第四条 → e-Gov law 325AC0000000264, 第四条 (Article 4), art-4 — not held in this collection ## Cited by 3 provisions cite this one. No official source publishes this direction. - 中小企業等経営強化法 第十条第一項（中小企業信用保険法の特例） — https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-1 - 中小企業等経営強化法 第十条第二項（中小企業信用保険法の特例） — https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-2 - 中小企業等経営強化法 第十条第三項（中小企業信用保険法の特例） — https://japanlaw.org/en/sme-management-strengthening-act/art-10/par-3 --- ## Sources - claude-opus-5-5 — English titles of cited laws, written for this site, written 2026-10-08 - e-Gov 法令検索, Digital Agency (デジタル庁) — 中小企業等経営強化法 — the text in force from 2026-01-01 (https://laws.e-gov.go.jp/law/411AC0000000018/20260101_507AC0000000041), retrieved 2026-11-06 - claude-sonnet-5-5 — Machine translation, batch sme-management-strengthening-act-20261106T173426-005, translated 2026-11-07 - claude-sonnet-5-5, corrected on review by claude-opus-5-5 — Machine translation corrected on review, batch sme-management-strengthening-act-20261106T173426-005, translated 2026-11-07 - This site's parser, version 225 — 中小企業等経営強化法 — structure, counts, cross-references and defined terms, computed 2026-11-06