# 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 — 第十一条 (Article 11) This is the Markdown twin of https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11. 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: 第十一条 (Article 11)（解約手当金） — address `art-11` - Text in force since: 2020-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11 - 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. --- ### 第十一条（解約手当金） — Cancellation Refund caption: machine translation, not official art-11 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11 **第一項** 共済契約が解除された場合において掛金が納付された月数が十二月以上であるときは、機構は、共済契約者に解約手当金を支給する。 art-11/par-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-1 Where a mutual aid contract has been cancelled and the number of months in which premiums were paid is 12 or more, the Organization pays a cancellation refund to the mutual aid policyholder. machine translation, not official **第二項** 第七条第二項第二号の規定により共済契約が解除されたときは、前項の規定にかかわらず、解約手当金は、支給しない。ただし、経済産業省令で定める特別の事情があつた場合は、この限りでない。 art-11/par-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-2 Where a mutual aid contract has been cancelled pursuant to Article 7, paragraph (2), item (ii), notwithstanding the preceding paragraph, no cancellation refund is paid; provided, however, that this does not apply where there are special circumstances specified by Order of the Ministry of Economy, Trade and Industry. machine translation, not official **第三項** 解約手当金の額は、次項の規定により算定される掛金総額に、掛金が納付された月数、共済契約の解除の事由等を基礎として政令で定める割合を乗じて得た額とする。 art-11/par-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-3 The amount of the cancellation refund is the amount obtained by multiplying the total premium amount calculated pursuant to the following paragraph by a ratio specified by Cabinet Order on the basis of the number of months in which premiums were paid, the grounds for the cancellation of the mutual aid contract, and other such matters. machine translation, not official **第四項** 掛金総額は、共済契約の解除の時における納付された掛金の合計額から既に貸付けを受け又は受けることとなつた共済金の額の十分の一に相当する額と既に第十条第五項（前条第六項において準用する場合を含む。）の規定により償還又は納付に充てられた額との合計額を控除した額とする。 art-11/par-4 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-4 The total premium amount is the amount obtained by deducting, from the total amount of premiums paid at the time of the cancellation of the mutual aid contract, the total amount of an amount equivalent to one-tenth of the amount of mutual aid benefits already lent or to be lent and the amount already applied to repayment or payment pursuant to Article 10, paragraph (5) (including as applied mutatis mutandis pursuant to paragraph (6) of the preceding Article). machine translation, not official **第五項** 機構が共済契約者に解約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、納付を受けるべき利子若しくは第十条第三項若しくは前条第五項の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、当該解約手当金の額からこれらの額を控除することができる。 art-11/par-5 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-5 Where the Organization is to pay a cancellation refund to a mutual aid policyholder and there are mutual aid benefits or temporary loans to be repaid, interest to be paid or penalties under Article 10, paragraph (3) or paragraph (5) of the preceding Article to be paid, 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 cancellation refund. machine translation, not official --- ## Cites - art-11/par-2: 第七条第二項第二号 → 中小企業倒産防止共済法 第七条第二項第二号 (Article 7, paragraph (2), item (ii)), art-7/par-2/item-2 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-7/par-2/item-2 - art-11/par-2: 前項 → 中小企業倒産防止共済法 第十一条第一項 (Article 11, paragraph (1)), art-11/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-1 - art-11/par-3: 次項 → 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/ja/sme-bankruptcy-prevention-act/art-11/par-4 - art-11/par-4: 第十条第五項 → 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 - art-11/par-4: 前条第六項 → 中小企業倒産防止共済法 第十条の二第六項 (Article 10-2, paragraph (6)), art-10-2/par-6 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-10-2/par-6 - art-11/par-5: 第十条第三項 → 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-11/par-5: 前条第五項 → 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-11/par-5: 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 9 provisions cite this one. No official source publishes this direction. - 中小企業倒産防止共済法 第二条第六項（定義） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-2/par-6 - 中小企業倒産防止共済法 第十一条第二項（解約手当金） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-2 - 中小企業倒産防止共済法 第十一条第三項（解約手当金） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11/par-3 - 中小企業倒産防止共済法 第十二条第四項（承継） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-12/par-4 - 中小企業倒産防止共済法 第十四条第三項（掛金の納付） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-14/par-3 - 中小企業倒産防止共済法 第十四条第四項（掛金の納付） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-14/par-4 - 中小企業倒産防止共済法 第十四条第六項（掛金の納付） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-14/par-6 - 中小企業倒産防止共済法 第十八条第一項（先取特権） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-18/par-1 - 中小企業倒産防止共済法 第十八条第二項（先取特権） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-18/par-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 - 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