# 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 — 第八条から第十一条の二まで (Articles 8 to 11-2)
This is the Markdown twin of https://japanlaw.org/ja/sme-bankruptcy-prevention-act/from-art-8. 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.
- Page: 第八条から第十一条の二まで (Articles 8 to 11-2) — `from-art-8`, one of the runs of consecutive articles this law, which has no chapters, is read in. Any `from-art-N` opens the run that holds article N; each article below carries its own address.
- Text in force since: 2020-04-01
- URL (the page that opens at this run): https://japanlaw.org/ja/sme-bankruptcy-prevention-act/from-art-8
- 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.
---
### 第八条（掛金月額の変更） — Change of Monthly Premium
caption: machine translation, not official
art-8 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-8
**第一項** 機構は、共済契約者から掛金月額の増加の申込みがあつたときは、これを承諾しなければならない。
art-8/par-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-8/par-1
When a mutual aid policyholder applies to increase the monthly premium, the Organization must accept the application.
machine translation, not official
**第二項** 機構は、共済契約者からの掛金月額の減少の申込みについては、経済産業省令で定める場合を除き、これを承諾してはならない。
art-8/par-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-8/par-2
With regard to an application from a mutual aid policyholder to decrease the monthly premium, the Organization must not accept it, except in cases specified by Order of the Ministry of Economy, Trade and Industry.
machine translation, not official
**第三項** 前二項の申込みは、増加後又は減少後の掛金月額を明らかにしてしなければならない。
art-8/par-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-8/par-3
An application under the preceding two paragraphs must be made by clarifying the monthly premium after the increase or decrease.
machine translation, not official
**第四項** 第六条の規定は、掛金月額の増加又は減少について準用する。
art-8/par-4 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-8/par-4
The provisions of Article 6 apply mutatis mutandis to an increase or decrease in the monthly premium.
machine translation, not official
### 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
### 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
### 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
### 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
### 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-8/par-3: 前二項 → 中小企業倒産防止共済法 第八条第一項 (Article 8, paragraph (1)), art-8/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-8/par-1
- art-8/par-3: 前二項 → 中小企業倒産防止共済法 第八条第二項 (Article 8, paragraph (2)), art-8/par-2 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-8/par-2
- art-8/par-4: 第六条 → 中小企業倒産防止共済法 第六条 (Article 6), art-6 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-6
- 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
- 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
- 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
- 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
- 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
---
## 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
- 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