# 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 — 第十一条の二 (Article 11-2) This is the Markdown twin of https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2. 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: 第十一条の二 (Article 11-2)（完済手当金） — address `art-11-2` - Text in force since: 2020-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2 - 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. --- ### 第十一条の二（完済手当金） — Full Repayment Allowance caption: machine translation, not official art-11-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2 **第一項** 中小企業倒産防止共済事業の収支の状況並びにその収入及び支出の見通しからみて、その収支が将来にわたつて均衡を保つに足り、なお余裕財源が生じていると認められる場合には、機構は、経済産業省令で定めるところにより、貸付けを受けた共済金の全額をその償還期日までに償還した共済契約者に、第三項に規定する額の完済手当金を支給することができる。 art-11-2/par-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-1 Where, in light of the state of revenue and expenditure of the small and medium-sized enterprise bankruptcy prevention mutual aid business and the outlook for its revenue and expenditure, it is found that its revenue and expenditure can be kept in balance into the future and that surplus funds still arise, the Organization may, as specified by Order of the Ministry of Economy, Trade and Industry, pay a full repayment allowance to a mutual aid policyholder who has repaid, by the repayment date, the full amount of the mutual aid benefits lent to the policyholder in the amount prescribed in paragraph (3). machine translation, not official **第二項** 前項の余裕財源が生じているかどうか及びその余裕財源の額は、経済産業省令で定めるところにより計算しなければならない。 art-11-2/par-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-2 Whether the surplus funds under the preceding paragraph have arisen and the amount of those surplus funds must be calculated as specified by Order of the Ministry of Economy, Trade and Industry. machine translation, not official **第三項** 完済手当金の額は、償還された共済金の額の十分の一に相当する額に、第一項の余裕財源の額並びに共済契約者のうち共済金の貸付けを受けるものの割合及びその共済金のうち償還期日までに償還されるものの割合の予想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-11-2/par-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-3 The amount of the full repayment allowance is the amount obtained by multiplying an amount equivalent to one-tenth of the amount of mutual aid benefits repaid by a ratio specified by Cabinet Order on the basis of the amount of the surplus funds under paragraph (1), the forecast of the proportion of mutual aid policyholders who will receive a loan of mutual aid benefits and of the proportion of those mutual aid benefits that will be repaid by the repayment date, and other such matters. machine translation, not official **第四項** 機構が共済契約者に完済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、第十条第三項若しくは第十条の二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、当該完済手当金の額からこれらの額を控除することができる。 art-11-2/par-4 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-4 Where the Organization is to pay a full 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 Article 10, paragraph (3) or Article 10-2, paragraph (5), 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 full repayment allowance. machine translation, not official --- ## Cites - art-11-2/par-1: 第三項 → 中小企業倒産防止共済法 第十一条の二第三項 (Article 11-2, paragraph (3)), art-11-2/par-3 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-3 - art-11-2/par-2: 前項 → 中小企業倒産防止共済法 第十一条の二第一項 (Article 11-2, paragraph (1)), art-11-2/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-1 - art-11-2/par-3: 第一項 → 中小企業倒産防止共済法 第十一条の二第一項 (Article 11-2, paragraph (1)), art-11-2/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-1 - art-11-2/par-4: 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-11-2/par-4: 第十条の二第五項 → 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-11-2/par-4: 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 5 provisions cite this one. No official source publishes this direction. - 中小企業倒産防止共済法 第二条第七項（定義） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-2/par-7 - 中小企業倒産防止共済法 第十一条の二第一項（完済手当金） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-1 - 中小企業倒産防止共済法 第十一条の二第二項（完済手当金） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-2 - 中小企業倒産防止共済法 第十一条の二第三項（完済手当金） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-11-2/par-3 - 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 --- ## 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