JF 共水連 (全国共済水産業協同組合連合会 / Kyosuiren)

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This entry sits under cooperative-banks INDEX as the JF Group cooperative-insurance national federation, the JF-side parallel to Ja Kyosairen in the agricultural cooperative system. Closes the audit gap where JA 共済連 was deeply documented but the JF-side equivalent (JF 共水連) had no anchor. Read with Jf Zengyoren for the JF group representative federation, JF Shingyoren (Credit Federations of Fishery Cooperatives / Prefectural Credit Federations of Fishery Cooperatives) for the JF credit federation layer, Jf Marine Bank Hokkaido for prefectural credit anchor, Norinchukin for the JF Marine Bank system central institution, and insurance domain for the cooperative-vs-stock insurance form contrast.

TL;DR

JF Kyosuiren (全国共済水産業協同組合連合会) = the core of the cooperative-insurance (kyosai) business of the JF (fishery cooperative) Group. A national federation founded on the Fishery Cooperative Association Act, it is the fishery-cooperative-system kyosai operator corresponding to Ja Kyosairen in the JA Group. Its members = JF (fishery cooperatives) nationwide + prefectural fishery federations, and it provides life kyosai, annuity kyosai, building-renewal kyosai, auto kyosai, fishing-vessel kyosai, and fishing-equipment kyosai, etc., to members (fishers and local residents). Compared with JA Kyosairen (a 200 兆円-scale entity), its scale is on the order of a few %〜10 % (since fishery output is small relative to agriculture), but it has its own distinctiveness in fisher-specific kyosai (fishing-vessel kyosai, fisher disaster kyosai, etc.). Among the JF Group’s three pillars (Jf Zengyoren / JF Kyosuiren = kyosai ★this page / JF Shingyoren (Credit Federations of Fishery Cooperatives / Prefectural Credit Federations of Fishery Cooperatives)), it is the national federation exclusively responsible for the kyosai business. ^•

1. Organizational structure

Kyosai business vs Insurance Business Act (distinction) ^•

| Axis | Insurance company (life / non-life) | JF Kyosuiren (kyosai) ★this page | Ja Kyosairen | |—|—|—|—| | Governing law | Insurance Business Act | Fishery Cooperative Act | Agricultural Cooperative Act | | Jurisdiction | FSA | MAFF (Fisheries Agency) + FSA cooperation | MAFF + FSA cooperation | | Form | Joint-stock company / mutual company | Federation (cooperative organization) | Federation (cooperative organization) | | Customers | The public (open) | JF members (fishers / local residents) | JA members (farmers / local residents) | | Product name | Insurance | Fishery kyosai / general kyosai | Kyosai | | Scale | Majors at tens of trillions of yen | Total assets 3,836 億円 / coverage amount 4.1 兆円 (as of 2025-03 ) | 200 兆円-scale |

The JF Group’s 3 national federations ^•

Note: In the JA Group, representation (Zenchu), economic business (Zen-Noh), kyosai (Kyosairen), and credit (Norinchukin) are 4 divided, but in the JF Group the structure is representation + economic business jointly held by JF Zengyoren + kyosai = JF Kyosuiren + credit = JF Shingyoren + Norinchukin ^•

Contrast with JA Kyosairen ^•

| Axis | Ja Kyosairen | JF Kyosuiren ★this page | |—|—|—| | Scale (in-force contract value / coverage amount) | approximately 200 兆円-scale | coverage amount 4.1 兆円 / total assets 3,836 億円 (as of 2025-03 ) | | Members | 497 JA nationwide + prefectural agricultural co-ops | 71 JF nationwide + prefectural fishery federations | | Flagship products | Building-renewal kyosai (建更) + whole-life kyosai + annuity kyosai + auto kyosai | Fishing-vessel kyosai + 建更 + whole-life kyosai + annuity kyosai + auto kyosai | | Proprietary products | 建更 | Fishing-vessel kyosai + fisher disaster kyosai (fishery-specialized) |

Key chronology ^•

Scale comparison with JA Kyosairen

• JA Kyosairen = 200 兆円-scale vs JF Kyosuiren = a few-hundred-billion to a few-trillion-yen scale = reflecting the economic-scale gap between fishery and agriculture
• However, it maintains differentiation from private non-life insurers through proprietary products such as fishing-vessel kyosai

Fisher-member characteristics

• Occupational risk at sea (maritime accidents, missing persons, weather) → the special nature of kyosai demand
• Seasonally concentrated income (income variation according to the fishing season) → arrangement of the timing of kyosai premium payments
• Aging and the successor problem → responding to generational change among kyosai subscribers

4. KPI (as of 2025-03 / official “current status”)

Note: figures are from JF Kyosuiren’s official “current status” (as of 2025-03 ) and organizational outline. Total assets are 4,327 億円 as of 2023-03 and coverage amount is 4.3 兆円, with a gradually declining trend in recent years. Membership 926 is on a fishery-cooperative-member basis, of which credit-business-conducting JF are mainly 71.

5. Supervision / regulation

• Jurisdiction: Ministry of Agriculture, Forestry and Fisheries (primary) + FSA (cooperative supervision) + Fisheries Agency (fishery policy)
• Legal basis: Fishery Cooperative Act (kyosai-business provisions) + kyosai-business guidelines
• Recent policy issues:
  • The kyosai = insurance regulatory-gap debate (the same issue as JA Kyosairen)
  • The argument for applying economic-value-based solvency (ESR)-analogous regulation to kyosai
  • The operation of the fishing-vessel kyosai legal system and JF Kyosuiren’s role
  • Redefinition of the function of fishery kyosai in the food-security plan (2026〜)
  • Response to the 2018 Fisheries Act amendment + structural change among fishers

Related

• jf-zengyoren — JF Zengyoren (JF Group representation + economic-business peer)
• jf-shingyoren — JF Shingyoren (JF credit-business peer)
• jf-marine-bank-hokkaido — JF Marine Bank Hokkaido (peer prefectural anchor)
• ja-kyosairen — JA Kyosairen (agricultural-cooperative-system peer kyosai central, 30〜50 times the scale)
• ja-kyosairen-fukushima — JA Kyosairen Fukushima (peer prefectural office, disaster-benefit track record)
• kyoritsu-fire-marine — Kyoei Fire & Marine Insurance (a JA Kyosairen subsidiary; JF Kyosuiren has no subsidiaries)
• norinchukin — Norinchukin Bank (the central of JF-system finance)
• ja-zenchu — JA Zenchu (representation function, agricultural-cooperative system)
• ja-zen-noh — JA Zen-Noh (economic business, agricultural-cooperative system)
• INDEX — insurance domain
• mutual-vs-stock-life-insurer — mutual company vs joint-stock company (cooperative = the 3 form)
• jf-marine-bank-system-japan — JF Marine Bank system
• cooperative-banking-japan — cooperative-organization finance as a whole
• cooperative-banks INDEX

Sources

• JF 共水連 (全国共済水産業協同組合連合会) 公式: https://www.kyosuiren.or.jp/
• JF 共水連 のご案内 (2025-03 末: 総資産 3,836 億円・保障金額 4.1 兆円・契約 47.4 万件・受入共済掛金 373 億円・会員 926): https://www.kyosuiren.or.jp/about/kyosuiren/
• JF 共水連「現況」2025 (ディスクロージャー): https://www.kyosuiren.or.jp/assets/pdf/disclosure/disclosure_2025.pdf
• JF 共済 RECRUIT 組織概要 (2023-03 末: 総資産 4,327 億円・保障金額 4.3 兆円・出資金 53.3 億円・職員 382 名): https://www.jf-kyosai.jp/about/
• JF 全漁連 公式: https://www.zengyoren.or.jp/
• JF Marine Bank 公式: https://www.jfmbk.org/
• 農林中央金庫 特徴 (2025-04-01 時点層別人数): https://www.nochubank.or.jp/about/features.html
• 水産業協同組合法 (昭和 23 年法律第 242 号)
• 漁業法 (2018 改正)

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[!info] Confidence note confidence: likely. Based on JF Kyosuiren’s official “Guide” and “current status 2025” + the JF Kyosai RECRUIT organizational outline. Total assets 3,836 億円, coverage amount 4.1 兆円, contracts 47.4 万, kyosai premiums received 373 億円, and members 926 (all as of 2025-03 ) are official confirmed figures. As of 2023-03 : total assets 4,327 億円, coverage amount 4.3 兆円, capital contributions 53.3 億円, employees 382 名. The initial “a few-hundred-billion to a few-trillion-yen scale” approximation has been replaced with official figures (total assets approximately 3,800〜4,300 億円, coverage amount approximately 4 兆円). Membership 926 is on a fishery-cooperative-member basis, with credit-business-conducting JF mainly 71.