# 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 — 第九条 (Article 9) This is the Markdown twin of https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9. 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: 第九条 (Article 9)（共済金の貸付け） — address `art-9` - Text in force since: 2020-04-01 - URL (the page that opens at this provision): https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9 - 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. --- ### 第九条（共済金の貸付け） — Loans of Mutual Aid Benefits caption: machine translation, not official art-9 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9 **第一項** 機構は、共済契約者の取引の相手方たる事業者につき倒産が発生したときは、共済契約が効力を生じた日から倒産の発生の日までの期間が六月未満であるとき及び倒産の発生の日までに掛金が納付された月数が六月未満であるときを除き、共済契約者に対し、その請求により共済金を貸し付ける。ただし、その請求の時に共済契約者が中小企業者に該当しない場合及び次の各号に掲げる場合は、この限りでない。 art-9/par-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-1 When a bankruptcy occurs with respect to a business operator that is a counterparty to the transactions of a mutual aid policyholder, the Organization lends mutual aid benefits to the mutual aid policyholder at its request, except where the period from the date on which the mutual aid contract took effect to the date of occurrence of the bankruptcy is less than six months and where the number of months in which premiums were paid up to the date of occurrence of the bankruptcy is less than six months; provided, however, that this does not apply where the mutual aid policyholder does not fall under a small and medium-sized enterprise at the time of the request or in the cases set out in the following items. machine translation, not official **一** 請求が倒産の発生の日から六月を経過した日後にされたものであるとき。 art-9/par-1/item-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-1/item-1 when the request is made after the date on which six months have elapsed from the date of occurrence of the bankruptcy; machine translation, not official **二** 貸し付けることとなる共済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ものであるとき。 art-9/par-1/item-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-1/item-2 when the amount of mutual aid benefits 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 **三** 共済契約者につき倒産又はこれに準ずる事態として経済産業省令で定める事態が生じているとき。 art-9/par-1/item-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-1/item-3 when a bankruptcy, or a situation equivalent to it specified by Order of the Ministry of Economy, Trade and Industry, has arisen with respect to the mutual aid policyholder. machine translation, not official **第二項** 前項の共済金の貸付額は、貸付けの請求があつた日における納付された掛金の合計額から次に掲げる額の合計額を控除した額の十倍に相当する額と倒産に係る取引の相手方たる事業者に対する売掛金債権その他の経済産業省令で定める債権（以下「売掛金債権等」という。）のうち回収が困難となつたものの額（共済契約者とその取引の相手方たる事業者との取引関係が経済産業省令で定める要件に該当する場合にあつては、その額と共済契約者の取引関係の変化による影響を緩和するため緊急に必要な資金の額として経済産業省令で定めるところにより算定した額との合計額。以下同じ。）とのいずれか少ない額の範囲内において、共済契約者が請求した額とする。ただし、当該貸付額と請求の日において既に貸付けを受け、又は受けることとなつた共済金の額から既に償還した共済金の額を控除した額との合計額が政令で定める額を超えてはならない。 art-9/par-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2 The loan amount of mutual aid benefits under the preceding paragraph is the amount requested by the mutual aid policyholder within the range of the lesser of the amount equivalent to ten times the amount obtained by deducting the total amount of the amounts set out in the following items from the total amount of premiums paid as of the date on which the request for the loan was made, and the amount of those accounts receivable and other claims specified by Order of the Ministry of Economy, Trade and Industry against the business operator that is the counterparty to the transaction relating to the bankruptcy (hereinafter referred to as "accounts receivable, etc.") that have become difficult to collect (where the transactional relationship between the mutual aid policyholder and the business operator that is its counterparty to transactions falls under the requirements specified by Order of the Ministry of Economy, Trade and Industry, the total amount of that amount and the amount calculated, as specified by Order of the Ministry of Economy, Trade and Industry, as the amount of funds urgently needed to mitigate the impact of changes in the mutual aid policyholder's transactional relationships; the same applies hereinafter); provided, however, that the total amount of that loan amount and the amount obtained by deducting the amount of mutual aid benefits already repaid from the amount of mutual aid benefits already lent or to be lent as of the date of the request must not exceed the amount specified by Cabinet Order. machine translation, not official **一** 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 art-9/par-2/item-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2/item-1 an amount equivalent to one-tenth of the amount of mutual aid benefits already lent or to be lent; machine translation, not official **二** 既に次条第五項（第十条の二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掛金の額 art-9/par-2/item-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2/item-2 the amount of premiums already applied to repayment or payment pursuant to paragraph (5) of the following Article (including as applied mutatis mutandis pursuant to Article 10-2, paragraph (6)); machine translation, not official **三** 倒産の発生の日の前日の六月前の日から貸付けの請求があつた日までの間に掛金月額の増加の効力が生じた共済契約に係る貸付けにあつては、納付された掛金のうち当該増加分に相当する掛金の合計額 art-9/par-2/item-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2/item-3 in the case of a loan relating to a mutual aid contract for which an increase in the monthly premium took effect during the period from the date six months before the day preceding the date of occurrence of the bankruptcy to the date on which the request for the loan was made, the total amount of the premiums, among those paid, equivalent to that increase; machine translation, not official **四** 倒産の発生の日の翌日以後で、かつ、納付期限の経過後に納付された掛金（前号に規定する増加分に相当する掛金を除く。）であつて、経済産業省令で定める期間を超える延滞があつたものの合計額 art-9/par-2/item-4 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2/item-4 the total amount of premiums paid on or after the day following the date of occurrence of the bankruptcy and after the payment due date had passed (excluding premiums equivalent to the increase prescribed in the preceding item), for which there was a delay exceeding the period specified by Order of the Ministry of Economy, Trade and Industry. machine translation, not official **第三項** 前項ただし書の政令で定める額は、取引先企業の倒産の影響を受けて倒産する等の事態をその貸付けを受けることにより中小企業者の大部分が避けることができると見込まれる資金の額等を勘案して定めるものとする。 art-9/par-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-3 The amount specified by Cabinet Order in the proviso to the preceding paragraph is to be determined taking into consideration the amount of funds with which, by receiving the loan, most small and medium-sized enterprises are expected to be able to avoid situations such as becoming bankrupt owing to the effects of the bankruptcy of their business partner companies, and other such matters. machine translation, not official **第四項** 機構は、共済金の貸付けを請求した共済契約者が既に貸付けを受けた共済金の償還を怠つているとき又は当該売掛金債権等を有することとなつたこと若しくはその回収が困難となつたことにつき当該共済契約者に悪意若しくは重大な過失があつたと認められるときは、共済金の全部又は一部につき、貸付けをしないことができる。 art-9/par-4 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-4 The Organization may decline to lend all or part of the mutual aid benefits where a mutual aid policyholder who has requested a loan of mutual aid benefits has neglected to repay mutual aid benefits already lent, or where it is found that the mutual aid policyholder acted in bad faith or with gross negligence in coming to hold the accounts receivable, etc. in question or in their becoming difficult to collect. machine translation, not official **第五項** 機構が共済契約者に共済金の貸付けをすべき場合において、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第十条の二第五項の違約金があるときは、機構は、当該共済金の貸付額から次に掲げる額の合計額を控除することができる。 art-9/par-5 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-5 Where the Organization is to lend mutual aid benefits to a mutual aid policyholder and there is a temporary loan to be repaid, or interest or a penalty under Article 10-2, paragraph (5) to be paid, the Organization may deduct the total amount of the amounts set out in the following items from the loan amount of those mutual aid benefits: machine translation, not official **一** 当該一時貸付金のうち当該共済金の貸付けの時に当該一時貸付金がなかつたと仮定した場合に貸し付けるべき一時貸付金の貸付限度額を超える額 art-9/par-5/item-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-5/item-1 the portion of that temporary loan that exceeds the maximum loan amount of the temporary loan that would be lent on the assumption that that temporary loan did not exist at the time of the loan of those mutual aid benefits; machine translation, not official **二** 当該一時貸付金のうち前号の額に相当する部分の利子及び違約金の額 art-9/par-5/item-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-5/item-2 the amount of interest and penalties on the portion of that temporary loan equivalent to the amount referred to in the preceding item. machine translation, not official --- ## Cites - art-9/par-2: 前項 → 中小企業倒産防止共済法 第九条第一項 (Article 9, paragraph (1)), art-9/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-1 - art-9/par-2/item-2: 次条第五項 → 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-9/par-2/item-2: 第十条の二第六項 → 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-9/par-2/item-4: 前号 → 中小企業倒産防止共済法 第九条第二項第三号 (Article 9, paragraph (2), item (iii)), art-9/par-2/item-3 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2/item-3 - art-9/par-3: 前項 → 中小企業倒産防止共済法 第九条第二項 (Article 9, paragraph (2)), art-9/par-2 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2 - art-9/par-5: 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-9/par-5/item-2: 前号 → 中小企業倒産防止共済法 第九条第五項第一号 (Article 9, paragraph (5), item (i)), art-9/par-5/item-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-5/item-1 ## Cited by 13 provisions cite this one. No official source publishes this direction. - 中小企業倒産防止共済法 第四条第二項 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-4/par-2 - 中小企業倒産防止共済法 第九条第二項（共済金の貸付け） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2 - 中小企業倒産防止共済法 第九条第二項第四号（共済金の貸付け） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-2/item-4 - 中小企業倒産防止共済法 第九条第三項（共済金の貸付け） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-3 - 中小企業倒産防止共済法 第九条第五項第二号（共済金の貸付け） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-9/par-5/item-2 - 中小企業倒産防止共済法 第十四条第五項（掛金の納付） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-14/par-5 - 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 附則第二条第二項（掛金前納及び共済金の貸付けに関する特例） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-2 - 中小企業倒産防止共済法 附則第二条第三項（掛金前納及び共済金の貸付けに関する特例） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3 - 中小企業倒産防止共済法 附則第二条第三項第二号（掛金前納及び共済金の貸付けに関する特例） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3/item-2 - 中小企業倒産防止共済法 附則第二条第三項第三号（掛金前納及び共済金の貸付けに関する特例） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3/item-3 - 中小企業倒産防止共済法 附則第二条第四項（掛金前納及び共済金の貸付けに関する特例） — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-4 - 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-20261106T173426-002, translated 2026-11-07 - 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