# 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 — 第十条 (Article 10) This is the Markdown twin of https://japanlaw.org/ja/sme-bankruptcy-prevention-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: 第十条 (Article 10)（共済金の貸付けの条件等） — address `art-10` - Text in force since: 2020-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10 - 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/ja/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/ja/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/ja/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/ja/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/ja/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/ja/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/ja/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/ja/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 --- ## Cites - art-10/par-6: 第四項 → 中小企業倒産防止共済法 第十条第四項 (Article 10, paragraph (4)), art-10/par-4 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10/par-4 - art-10/par-7: 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/ja/sme-bankruptcy-prevention-act/art-10/par-3 - art-10/par-7: 次条第五項 → 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/ja/sme-bankruptcy-prevention-act/art-10-2/par-5 - art-10/par-7: 第十三条 → 中小企業倒産防止共済法 第十三条 (Article 13), art-13 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-13 ## Cited by 10 provisions cite this one. No official source publishes this direction. - 中小企業倒産防止共済法 第二条第四項（定義） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-2/par-4 - 中小企業倒産防止共済法 第九条第二項第二号（共済金の貸付け） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2/item-2 - 中小企業倒産防止共済法 第十条第六項（共済金の貸付けの条件等） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10/par-6 - 中小企業倒産防止共済法 第十条第七項（共済金の貸付けの条件等） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10/par-7 - 中小企業倒産防止共済法 第十条の二第六項（一時貸付金の貸付け） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-6 - 中小企業倒産防止共済法 第十一条第四項（解約手当金） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-4 - 中小企業倒産防止共済法 第十一条第五項（解約手当金） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-5 - 中小企業倒産防止共済法 第十一条の二第四項（完済手当金） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-4 - 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/ja/sme-bankruptcy-prevention-act/art-12/par-2/item-2 - 中小企業等経営強化法 第六十四条の二第一項（中小企業倒産防止共済法の特例） — https://japanlaw.org/ja/sme-management-strengthening-act/art-64-2/par-1 (e-Gov law ID 411AC0000000018) --- ## 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 - 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