# 小規模企業共済法 / Small Enterprise Mutual Relief Projects Act — 第三条 (Article 3) This is the Markdown twin of https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3. 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: 小規模企業共済法 (Small Enterprise Mutual Relief Projects Act), 昭和四十年法律第百二号 - English title "Small Enterprise Mutual Relief Projects Act": 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: 第三条 (Article 3)（契約の締結） — address `art-3` - Text in force since: 2021-06-17 - URL (the page that opens at this provision): https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3 - e-Gov law ID: 340AC0000000102 — 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. --- ### 第三条（契約の締結） — Conclusion of Contracts caption: machine translation, not official art-3 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3 **第一項** 小規模企業者でなければ、共済契約を締結することができない。 art-3/par-1 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-1 A mutual aid contract may not be concluded by anyone other than a small-scale enterprise. machine translation, not official **第二項** 個人たる事業者であつて会社等の役員を兼ねる小規模企業者は、次の各号のいずれかに掲げる地位においてでなければ、共済契約を締結することができない。 art-3/par-2 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-2 A small-scale enterprise that is an individual business operator and concurrently an officer of a company, etc. may conclude a mutual aid contract only in one of the following capacities: machine translation, not official **一** 個人たる小規模企業者としての地位 art-3/par-2/item-1 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-2/item-1 The capacity of an individual small-scale enterprise; machine translation, not official **二** 会社等の役員たる小規模企業者としての地位（二以上の会社等の役員を兼ねる小規模企業者にあつては、そのいずれか一の会社等の役員たる小規模企業者としての地位） art-3/par-2/item-2 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-2/item-2 The capacity of a small-scale enterprise that is an officer of a company, etc. (for a small-scale enterprise that is concurrently an officer of two or more companies, etc., the capacity of a small-scale enterprise that is an officer of any one of those companies, etc.). machine translation, not official **第三項** 二以上の会社等の役員を兼ねる小規模企業者（前項に規定する者を除く。）は、そのいずれか一の会社等の役員たる小規模企業者としての地位においてでなければ、共済契約を締結することができない。 art-3/par-3 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-3 A small-scale enterprise that is concurrently an officer of two or more companies, etc. (excluding a person prescribed in the preceding paragraph) may conclude a mutual aid contract only in the capacity of a small-scale enterprise that is an officer of any one of those companies, etc. machine translation, not official **第四項** 現に共済契約者である小規模企業者は、新たな共済契約を締結することができない。ただし、その者に当該共済契約に係る第九条第一項各号に掲げる事由が生じた場合は、この限りでない。 art-3/par-4 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-4 A small-scale enterprise that is currently a mutual aid policyholder may not conclude a new mutual aid contract; provided, however, that this does not apply where a cause set out in one of the items of Article 9, paragraph (1) relating to that mutual aid contract has arisen for that person. machine translation, not official **第五項** 機構は、次に掲げる場合を除いては、共済契約の締結を拒絶してはならない。 art-3/par-5 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-5 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-5/item-1 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-5/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又は解約手当金（以下「共済金等」という。）の支給を受け、又は受けようとした日から一年を経過しない者であるとき。 art-3/par-5/item-2 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-5/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, payment of a mutual aid benefit or cancellation refund (hereinafter referred to as "mutual aid benefit, etc.") 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小規模企業共済事業の適正かつ円滑な運営を阻害することとなるおそれがあるものとして経済産業省令で定める場合に該当するとき。 art-3/par-5/item-3 · https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-5/item-3 Where, in addition to what is set out in the preceding two items, the case falls under one specified by Order of the Ministry of Economy, Trade and Industry as a case in which the conclusion of the mutual aid contract is likely to impede the proper and smooth operation of the small enterprise mutual aid business. machine translation, not official --- ## Cites - art-3/par-3: 前項 → 小規模企業共済法 第三条第二項 (Article 3, paragraph (2)), art-3/par-2 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-2 - art-3/par-4: 第九条第一項 → 小規模企業共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-9/par-1 - art-3/par-5/item-1: 第七条第二項 → 小規模企業共済法 第七条第二項 (Article 7, paragraph (2)), art-7/par-2 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-7/par-2 - art-3/par-5/item-3: 前二号 → 小規模企業共済法 第三条第五項第一号 (Article 3, paragraph (5), item (i)), art-3/par-5/item-1 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-5/item-1 - art-3/par-5/item-3: 前二号 → 小規模企業共済法 第三条第五項第二号 (Article 3, paragraph (5), item (ii)), art-3/par-5/item-2 — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-5/item-2 ## Cited by 2 provisions cite this one. No official source publishes this direction. - 小規模企業共済法 第三条第三項（契約の締結） — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-3 - 小規模企業共済法 第三条第五項第三号（契約の締結） — https://japanlaw.org/ja/small-enterprise-mutual-aid-act/art-3/par-5/item-3 --- ## Sources - e-Gov 法令検索, Digital Agency (デジタル庁) — 小規模企業共済法 — the text in force from 2021-06-17 (https://laws.e-gov.go.jp/law/340AC0000000102/20210617_503AC0000000070), retrieved 2026-11-06 - Japanese Law Translation Database System, Ministry of Justice (法務省) — 小規模企業共済法 — its English title as the Ministry of Justice's translation database lists it (https://www.japaneselawtranslation.go.jp/en/laws/view/846), retrieved 2026-09-18 - claude-sonnet-5-5 — Machine translation, batch small-enterprise-mutual-aid-act-20261106T173426-001, translated 2026-11-07 - This site's parser, version 225 — 小規模企業共済法 — structure, counts, cross-references and defined terms, computed 2026-11-06