# 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 — 附　則 (Supplementary Provisions)

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- 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: 附　則 (Supplementary Provisions) — address `suppl-3521-84`
- Text in force since: 2020-04-01
- URL (the page that opens at this provision): https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84
- 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.

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## 附　則
<sup>suppl-3521-84 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84</sup>

### 第一条（施行期日） — Effective Date
<sup>caption: machine translation, not official</sup>
<sup>suppl-3521-84/art-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-1</sup>

**第一項**  この法律は、公布の日から起算して五月を超えない範囲内において政令で定める日から施行する。
<sup>suppl-3521-84/art-1/par-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-1/par-1</sup>
This Act comes into effect on the date specified by Cabinet Order within a period not exceeding five months from the date of promulgation.
<sup>machine translation, not official</sup>

### 第二条（掛金前納及び共済金の貸付けに関する特例） — Special Provisions on Advance Payment of Premiums and Loans of Mutual Aid Benefits
<sup>caption: machine translation, not official</sup>
<sup>suppl-3521-84/art-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2</sup>

**第一項**  共済契約者は、この法律の施行の日から起算して一年を経過する日までの間において掛金前納をするときは、その掛金前納に際し、掛金月額の六十倍に相当する額から既に納付された掛金の額及び既に掛金前納をしたときはその掛金（第十五条第二項の規定により納付された掛金とみなされたものを除く。）の額を控除した額（共済契約の申込みの時に掛金前納をする場合にあつては、掛金月額の六十倍に相当する額から申込金の額を控除した額）の範囲内の額に限り、その掛金前納に係る掛金につき、同条第一項の規定による減額をすることを要しない旨を、事業団に申し出ることができる。
<sup>suppl-3521-84/art-2/par-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-1</sup>
A mutual aid policyholder who makes an advance payment of premiums during the period until the day on which one year has elapsed from the day of enforcement of this Act may, upon making that advance payment of premiums, state to the Corporation that, only for an amount within the amount obtained by deducting from an amount equivalent to 60 times the monthly premium the amount of premiums already paid and, where an advance payment of premiums has already been made, the amount of those premiums (excluding those deemed to have been paid pursuant to Article 15, paragraph (2)) (where the advance payment of premiums is made at the time of the application for a mutual aid contract, the amount obtained by deducting the amount of the application money from an amount equivalent to 60 times the monthly premium), it is not necessary to make the reduction under paragraph (1) of that Article for the premiums relating to that advance payment of premiums.
<sup>machine translation, not official</sup>

**第二項**  前項の規定による申出をしたところにより掛金前納をした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場合であつて、当該共済契約者との取引の対価として当該事業者が振り出した約束手形又は当該事業者が引き受けた為替手形であつて当該共済契約者が通商産業省令で定める金融機関により割引を受けたものにつき当該共済契約者が当該金融機関から遡求権の行使又は買い戻すべき旨の請求を受けてこれに応じた場合における共済金の貸付けに関する第九条第一項の規定の適用については、同項中「六月未満」とあるのは、「三月未満」とする。
<sup>suppl-3521-84/art-2/par-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-2</sup>
Where a bankruptcy occurs with respect to a business operator that is a counterparty to the transactions of a mutual aid policyholder who has made an advance payment of premiums as stated in an application under the preceding paragraph, and, in respect of a promissory note drawn by that business operator, or a bill of exchange accepted by that business operator, as consideration for transactions with that mutual aid policyholder, which the mutual aid policyholder had discounted by a financial institution specified by Order of the Ministry of International Trade and Industry, the financial institution has exercised its right of recourse against the mutual aid policyholder or requested it to repurchase the note or bill and the mutual aid policyholder has complied, the phrase "less than six months" in Article 9, paragraph (1) is deemed to be replaced with "less than three months" for the application of that paragraph to the loan of mutual aid benefits.
<sup>machine translation, not official</sup>

**第三項**  前項の規定により読み替えて適用する第九条第一項の共済金の貸付額は、同条第二項の規定にかかわらず、次の各号に掲げる額のうち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。
<sup>suppl-3521-84/art-2/par-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3</sup>
Notwithstanding Article 9, paragraph (2), the loan amount of mutual aid benefits under Article 9, paragraph (1) as applied with terms replaced pursuant to the preceding paragraph is the amount requested by the mutual aid policyholder within the range of the least of the amounts set out in the following items:
<sup>machine translation, not official</sup>

  **一**  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等のうち回収が困難となつたものの額
  <sup>suppl-3521-84/art-2/par-3/item-1 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3/item-1</sup>
  the amount of accounts receivable, etc. against the business operator that is the counterparty to the transaction relating to the bankruptcy that have become difficult to collect;
  <sup>machine translation, not official</sup>

  **二**  貸付けの請求があつた日における納付された掛金と倒産の発生前三月以前に第一項の規定による申出に係る掛金前納がされた掛金（第十五条第二項の規定により納付された掛金とみなされたものを除く。）との合計額（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又は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は、倒産の発生前三月以前に第一項の規定による申出に係る掛金前納がされた掛金の額）から第九条第二項各号に掲げる額の合計額を控除した額の十倍に相当する額
  <sup>suppl-3521-84/art-2/par-3/item-2 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3/item-2</sup>
  an amount equivalent to ten times the amount obtained by deducting the total amount of the amounts set out in the items of Article 9, paragraph (2) from the total amount of the premiums paid as of the date on which the request for the loan was made and the premiums for which an advance payment of premiums relating to a statement under paragraph (1) was made three months or more before the occurrence of the bankruptcy (excluding those deemed to have been paid pursuant to Article 15, paragraph (2)) (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, or where the number of months in which premiums were paid up to the date of occurrence of the bankruptcy is less than six months, the amount of the premiums for which an advance payment of premiums relating to a statement under paragraph (1) was made three months or more before the occurrence of the bankruptcy);
  <sup>machine translation, not official</sup>

  **三**  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第九条第二項各号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当該遡求権の行使又は買い戻すべき旨の請求に係る手形の額面額との合計額（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又は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は、当該手形の額面額）
  <sup>suppl-3521-84/art-2/par-3/item-3 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-3/item-3</sup>
  the total amount of an amount equivalent to ten times the amount obtained by deducting the total amount of the amounts set out in the items of Article 9, paragraph (2) from the total amount of premiums paid as of the date on which the request for the loan was made and the face value of the bill relating to that exercise of the right of recourse or request to repurchase (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, or where the number of months in which premiums were paid up to the date of occurrence of the bankruptcy is less than six months, the face value of that bill).
  <sup>machine translation, not official</sup>

**第四項**  第一項の規定による申出に係る掛金前納をした共済契約者に係る解約手当金の支給及び掛金総額の算定に関する事項並びに第二項の規定により読み替えて適用する第九条第一項の規定により共済金の貸付けを受け又は受けることとなつた共済契約者の取引の相手方たる事業者につき新たに倒産が発生した場合における共済金の貸付けに関する事項についてのこの法律の規定の適用上必要な読替えについては、政令で定める。
<sup>suppl-3521-84/art-2/par-4 · https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-4</sup>
Cabinet Order specifies the replacement of terms necessary for the application of the provisions of this Act to matters concerning the payment of cancellation refunds and the calculation of the total premium amount for a mutual aid policyholder who has made an advance payment of premiums relating to a statement under paragraph (1), and to matters concerning loans of mutual aid benefits where a new bankruptcy occurs with respect to a business operator that is a counterparty to the transactions of a mutual aid policyholder who has received, or is to receive, a loan of mutual aid benefits pursuant to Article 9, paragraph (1) as applied with terms replaced pursuant to paragraph (2).
<sup>machine translation, not official</sup>

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## Cites
- suppl-3521-84/art-2/par-1: 第十五条第二項 → 中小企業倒産防止共済法 第十五条第二項 (Article 15, paragraph (2)), art-15/par-2 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-15/par-2
- suppl-3521-84/art-2/par-1: 同条第一項 → 中小企業倒産防止共済法 第十五条第一項 (Article 15, paragraph (1)), art-15/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-15/par-1
- suppl-3521-84/art-2/par-2: 前項 → 中小企業倒産防止共済法 附則第二条第一項 (Supplementary Provisions, Article 2, paragraph (1)), suppl-3521-84/art-2/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-1
- suppl-3521-84/art-2/par-2: 第九条第一項 → 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
- suppl-3521-84/art-2/par-3: 前項 → 中小企業倒産防止共済法 附則第二条第二項 (Supplementary Provisions, Article 2, paragraph (2)), suppl-3521-84/art-2/par-2 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-2
- suppl-3521-84/art-2/par-3: 第九条第一項 → 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
- suppl-3521-84/art-2/par-3: 同条第二項 → 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
- suppl-3521-84/art-2/par-3/item-2: 第一項 → 中小企業倒産防止共済法 附則第二条第一項 (Supplementary Provisions, Article 2, paragraph (1)), suppl-3521-84/art-2/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-1
- suppl-3521-84/art-2/par-3/item-2: 第十五条第二項 → 中小企業倒産防止共済法 第十五条第二項 (Article 15, paragraph (2)), art-15/par-2 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/art-15/par-2
- suppl-3521-84/art-2/par-3/item-2: 第九条第二項 → 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
- suppl-3521-84/art-2/par-3/item-3: 第九条第二項 → 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
- suppl-3521-84/art-2/par-4: 第一項 → 中小企業倒産防止共済法 附則第二条第一項 (Supplementary Provisions, Article 2, paragraph (1)), suppl-3521-84/art-2/par-1 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-1
- suppl-3521-84/art-2/par-4: 第二項 → 中小企業倒産防止共済法 附則第二条第二項 (Supplementary Provisions, Article 2, paragraph (2)), suppl-3521-84/art-2/par-2 — https://japanlaw.org/ja/sme-bankruptcy-prevention-act/suppl-3521-84/art-2/par-2
- suppl-3521-84/art-2/par-4: 第九条第一項 → 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

## Cited by

4 provisions cite this one. No official source publishes this direction.

- 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

---

## 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-20261106T173426-006, 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