# 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 — 第十条の二 (Article 10-2) This is the Markdown twin of https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2. 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: 第十条の二 (Article 10-2)（一時貸付金の貸付け） — address `art-10-2` - Text in force since: 2020-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2 - 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. --- ### 第十条の二（一時貸付金の貸付け） — Lending of Temporary Loans caption: machine translation, not official art-10-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2 **第一項** 機構は、共済契約者が臨時に事業資金を必要とするときは、共済契約者に対し、その請求により一時貸付金を貸し付ける。ただし、貸し付けることとなる一時貸付金の額が少額であつて経済産業省令で定める額に達しない場合は、この限りでない。 art-10-2/par-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-1 When a mutual aid policyholder temporarily needs business funds, the Organization lends a temporary loan to the mutual aid policyholder at its request; provided, however, that this does not apply where the amount of the temporary loan to be lent is small and does not reach the amount specified by Order of the Ministry of Economy, Trade and Industry. machine translation, not official **第二項** 前項の一時貸付金の貸付額は、その請求の時に共済契約が解除されたと仮定した場合に支給すべき解約手当金の額の範囲内において経済産業省令で定める額を限度とする。 art-10-2/par-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-2 The loan amount of the temporary loan under the preceding paragraph is limited to the amount specified by Order of the Ministry of Economy, Trade and Industry, within the range of the amount of the cancellation refund that would be payable on the assumption that the mutual aid contract had been cancelled at the time of the request. machine translation, not official **第三項** 一時貸付金には貸付けに関し必要な経費を勘案して経済産業省令で定める率により利子を付し、その償還期間は、二年を超えない範囲内において経済産業省令で定める期間とする。 art-10-2/par-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-3 Interest is to be charged on a temporary loan at a rate specified by Order of the Ministry of Economy, Trade and Industry, taking into consideration the expenses necessary for the lending, and the repayment period is to be a period specified by Order of the Ministry of Economy, Trade and Industry within a period not exceeding two years. machine translation, not official **第四項** 機構は、一時貸付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-10-2/par-4 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-4 The Organization is not to require security (including a guarantee by a guarantor) to be provided for the lending of a temporary loan. machine translation, not official **第五項** 機構は、一時貸付金の貸付けを受けた者が一時貸付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-10-2/par-5 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-5 Where a person who has received a temporary loan has not repaid the temporary loan 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 **第六項** 前条第五項の規定は、一時貸付金の償還期日後経済産業省令で定める期間を経過した後なお償還を受けるべき一時貸付金又は納付を受けるべき利子若しくは違約金がある場合に準用する。 art-10-2/par-6 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-6 The provisions of paragraph (5) of the preceding Article apply mutatis mutandis where, after a period specified by Order of the Ministry of Economy, Trade and Industry has elapsed from the repayment date of a temporary loan, there are still temporary loans to be repaid or interest or penalties to be paid. machine translation, not official --- ## Cites - art-10-2/par-2: 前項 → 中小企業倒産防止共済法 第十条の二第一項 (Article 10-2, paragraph (1)), art-10-2/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-1 - art-10-2/par-6: 前条第五項 → 中小企業倒産防止共済法 第十条第五項 (Article 10, paragraph (5)), art-10/par-5 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10/par-5 ## Cited by 9 provisions cite this one. No official source publishes this direction. - 中小企業倒産防止共済法 第二条第五項（定義） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-2/par-5 - 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 第九条第五項（共済金の貸付け） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-5 - 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 第十条の二第二項（一時貸付金の貸付け） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-2 - 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 --- ## 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, corrected on review by claude-opus-5-5 — Machine translation corrected on review, 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