---
title: "JFC Agriculture, Forestry and Fisheries Division operating model (農林水産事業)"
aliases:
  - "policy-finance/jfc-agriculture-forestry-fisheries-division"
  - "jfc-agriculture-forestry-fisheries-division"
  - "JFC 農林水産事業"
  - "JFC AFF Unit"
  - "JFC Nourinsuisan Jigyo"
  - "JFC 農林漁業事業"
  - "Nourin Gyogyou Koko successor"
  - "農林水産事業本部"
domain: policy-finance
created: 2026-05-25
last_updated: 2026-07-30
last_tended: 2026-07-30
review_by: 2026-11-25
confidence: likely
tags: [policy-finance, jfc, agriculture, forestry, fisheries, food-industry, ja-jf-coordination]
status: active
sources:
  - "https://www.jfc.go.jp/n/finance/agri/"
  - "https://www.jfc.go.jp/n/findings/pdf/jfc2024.pdf"
  - "https://www.maff.go.jp/j/keiei/kinyu/"
  - "https://www.maff.go.jp/j/keiei/kinyu/hosyo/hosyou.html"
  - "https://www.jaffic.go.jp/guide/gyo/index.html"
  - "https://www.nochubank.or.jp/"
---

# JFC Agriculture, Forestry and Fisheries Division operating model (農林水産事業)

## Wiki route

This entry sits under [[policy-finance/INDEX|policy-finance index]] as one of the three product-bearing divisions inside [[financial-regulators/jfc|日本政策金融公庫 (JFC)]]. Read it alongside [[policy-finance/jfc-sme-division-operating-model|JFC SME Division operating model]] for the peer division, against [[policy-finance/agriculture-credit-guarantee-system|Agriculture credit guarantee system]] and [[policy-finance/fisheries-credit-guarantee-system|Fisheries credit guarantee system]] for the parallel public-credit channels that operate through JA / JF cooperative lenders, against [[cooperative-banks/norinchukin|Norinchukin]] as the apex of the cooperative-banking pyramid, against [[banking/cooperative-banking-japan|Japan cooperative banking]] for the wider system context, and against [[policy-finance/japan-policy-finance-system|Japan policy finance system]] for placement in the wider state-finance toolkit. For pre-2008 institutional history of the predecessor 農林漁業金融公庫, see [[policy-finance/japan-eximbank-history|Japan Eximbank history]] for analogous reorganisation context.

## TL;DR

JFC 農林水産事業 (Agriculture, Forestry and Fisheries Division — "AFF Division") is the third product-bearing division of [[financial-regulators/jfc|JFC]], formed when the former 農林漁業金融公庫 (Nourin Gyogyou Kinyu Koko, "農林公庫", est. 1953) was rolled into JFC at the 2008-10 four-institution merger. Its mandate covers all three primary-sector lanes — agriculture, forestry, fisheries — plus the downstream **food industry** (food processing, food wholesale, food retail capex tied to upstream primary production). Loan products are organised around long-tenor, low-rate capex finance that the JA / JF cooperative-banking system either will not write directly (long-tail capex risk, very long tenor) or that statute reserves to the policy-finance channel. Headline product menu includes **スーパー L 資金** (the flagship agricultural management-body loan for certified 認定農業者), **経営体育成強化資金**, **農業近代化資金 利子補給** (the interest-subsidy lever sitting on JA-originated loans), **林業基盤整備資金** and successor forest-management loans, **漁業近代化資金** and **沿岸漁業改善資金** infrastructure, and a large **食品産業向け** menu running from raw-material procurement through HACCP / cold-chain capex through food-industry restructuring. Co-lending and co-routing with **JA バンク / 信農連 / JF マリンバンク / 信漁連 / [[cooperative-banks/norinchukin|農林中央金庫]]** is the structural counterpart on the private cooperative-finance side; **MAFF** (農林水産大臣) is the supervising minister and the source of most policy-overlay budgets. Three guarantee / insurance backstops sit beneath this lane: **農業信用基金協会** (prefectural) and **漁業信用基金協会** (prefectural) routes counter-guaranteed via the central **JAFFIC** (農林漁業信用基金), with formal cross-references in the AFF Division's underwriting flow.

## 1. 部門位置 within JFC

The following table is scoped to public primary sources (jfc.go.jp, maff.go.jp, jaffic.go.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^[source:jfc.go.jp; maff.go.jp; jaffic.go.jp; nochubank.or.jp]

| Item | Detail |
|---|---|
| Parent | [[financial-regulators/jfc|JFC]] (株式会社日本政策金融公庫), 100% state-owned special company |
| Predecessor | 農林漁業金融公庫 (Nourin Gyogyou Kinyu Koko, est. 1953); absorbed into JFC on 2008-10-01 four-institution merger |
| Sister divisions | 国民生活事業, 中小企業事業, 危機対応円滑化業務 |
| Mandate scope | Agriculture, forestry, fisheries primary-sector businesses; downstream food-industry capex and operating finance tied to primary sectors |
| Statutory basis | 株式会社日本政策金融公庫法 (平成 19 年法律第 57 号); the supervising minister for this division is the 農林水産大臣 |
| Branch footprint | ~50 dedicated AFF branches across all prefectures, deliberately co-located with major agri / fisheries centres rather than purely population-weighted |
| Typical ticket | Wide — small farmer / fisher operating loans of single-digit million yen up through tens of billions of yen for food-industry restructuring or large-scale agricultural infrastructure |

The AFF Division is unique within JFC for being the principal direct-policy-lending counterparty to a parallel cooperative-bank pyramid ([[cooperative-banks/norinchukin|Norinchukin]] → 信農連 / 信漁連 → JA バンク / JF マリンバンク). The SME and 国民生活 divisions face a more fragmented private-lender environment; the AFF Division faces one coherent counterpart system.

### 2.1 Product menu table

| Lane | Sub-product | Typical purpose | Repayment terms (公開資料ベース) | Counterpart / channel |
|---|---|---|---|---|
| **農業** | **スーパー L 資金** (農業経営基盤強化資金) | All-purpose capex / debt-refinancing loan for 認定農業者 (certified business farmers) | Up to 25 yrs (incl. deferment); low fixed rate, ceiling rises for 集落営農 / 法人 | Co-routed with JA / 信農連 |
| **農業** | **経営体育成強化資金** | Operating + capex bundle for farmers expanding scale or shifting business model | Long tenor, lower ceiling than スーパー L | JA recommendation common |
| **農業** | **経営体育成支援資金 (担い手)** | Targeted at younger / new-entrant farmers | Long deferment, low fixed rate | Coordinated with 新規就農 grant programs |
| **農業** | **農業近代化資金 利子補給** | Interest subsidy on JA-originated loans for facility / equipment modernisation | Subsidy term capped per program | Originated by JA, subsidised via JFC channel |
| **農業** | **農業改良資金** | Innovative agriculture, new variety / cultivation method, infrastructure | 無利子 in many designs (interest-free under MAFF subsidy) | MAFF / JFC joint |
| **林業** | **林業基盤整備資金** (and successor 森林整備関連 products) | Forest road, planting, intermediate cutting, integrated forest-management capex | Very long tenor (decades) reflecting forest growth cycle | 森林組合 / 県森連 / JF アグリ |
| **林業** | **林業経営育成資金** | Long-tenor working capital + small capex for forestry operators | Long-tenor, low fixed | 森林組合 |
| **林業** | **木材産業等高度化推進資金** | Saw-mill, biomass, CLT / engineered-timber capex | Long tenor | 木材市場 / 製材業者 |
| **漁業** | **漁業近代化資金 利子補給** | Interest subsidy on JF-originated loans for vessel / gear / facility | Subsidy term capped per program | Originated by JF, subsidised via JFC channel |
| **漁業** | **沿岸漁業改善資金** | Small-scale coastal fisher upgrade loans (vessel, gear, processing facility) | Long tenor, low / zero interest per program design | Prefectural channelling via JF |
| **漁業** | **漁船資金** | Vessel construction, replacement, retrofit | Long tenor matching vessel life | Co-financed with 信漁連 |
| **漁業** | **養殖業近代化** | Aquaculture facility, hatchery, cold-chain | Long tenor | 養殖協同組合 |
| **食品産業** | **食品流通改善資金** | Cold chain, distribution centre, logistics capex tied to primary-sector throughput | Long tenor, ceiling rises for large facilities | Wholesale / food-distribution companies |
| **食品産業** | **食品産業競争力強化資金** | M&A, business restructuring, HACCP capex, export capacity build | Long tenor + 資本性 ローン option | Food processors, large food cos. |
| **食品産業** | **農林漁業セーフティネット資金** | Working-capital shock-absorber across all three lanes plus food industry | SN-tenor framework | All channels |
| **食品産業** | **海外展開・輸出向け** | Export-capacity and overseas-investment finance for food-industry exporters | Long tenor with possible 資本性 ローン | Coordinated with [[financial-regulators/jbic|JBIC]] for large overseas tickets |
| **横断** | **6 次産業化資金** | Capex / working capital for integrated upstream-to-downstream "6th industrialisation" projects bringing producers into processing / distribution / retail | Long tenor, layered structure | Often blended with subsidy |
| **横断** | **資本性ローン** (subordinated quasi-equity) | Quasi-equity for restructuring or growth-phase primary-sector or food-industry borrowers | Long tenor, treated as capital under credit-scoring | 事業再生 / 経営改善 |
| **横断** | **災害復旧 / 特別貸付** | Disaster response (typhoon, earthquake, livestock disease, FX / fuel shock) | Crisis-program-specific | Activated via supplementary budgets |

Specific ceilings, tenors, and interest rates above reflect published JFC public-product brochures as of recent disclosure cycles; products and rate tables are amended regularly as supplementary budgets and MAFF programs rotate.

### 2.2 経営体育成 (management-body development) framing

The post-2000s policy frame for Japanese agriculture credit is **経営体育成** — supporting incorporated farms, 集落営農 (community-based farming organisations), and certified-farmer 認定農業者 over part-time and ageing individual farmers. The AFF Division's flagship スーパー L 資金 is built around this frame, with eligibility keyed to certified-farmer status and ceiling escalation for incorporated and community-based bodies. The peer **農業近代化資金 利子補給** mechanism extends similar economics to facility-level modernisation loans originated by JA at standard cooperative-bank rates with the AFF Division subsidising the spread down to a policy-target rate.

### 2.3 Forestry — the long-tenor anomaly

Forestry product design reflects the structural reality that planting-to-harvest cycles in Japanese cedar / cypress forestry run 40–60+ years. AFF Division forestry products carry tenors no commercial lender would write on its own balance sheet. The post-2010s policy frame around **森林経営管理制度** (managed-forest succession framework) reshaped some product targeting; capex for biomass, CLT, and engineered-timber facilities under **木材産業等高度化推進資金** picked up emphasis as carbon / GX framing was added.

### 2.4 Fisheries — coastal vs offshore split

Fisheries finance separates a **coastal / small-scale** channel (沿岸漁業改善資金, often zero-interest under prefectural-level program design) from an **offshore / industrial** channel (larger vessel and facility loans, often co-financed with 信漁連). The **漁業近代化資金 利子補給** mechanism on JF-originated loans operates analogously to its agricultural twin.

### 2.5 Food industry — the downstream tail

The food-industry lane is sometimes overlooked but is large in disbursed volume. Loans cover cold-chain, distribution centres, HACCP capex, M&A among food processors, and overseas-market entry for food exporters. The lane structurally ties primary-sector policy goals (food security, agricultural export expansion) to downstream capex finance for processors and distributors, including very large mid-cap food companies. For large overseas-investment tickets the lane defers to [[financial-regulators/jbic|JBIC]].

## 3. 審査 / underwriting プロセス

The AFF Division's underwriting flow has distinctive features driven by the cooperative-finance ecosystem it sits inside:

1. **Front-end intake.** Borrower walks into one of ~50 AFF branches, or — far more commonly — files via a referral from a **JA / 信農連 / JF / 信漁連 / 森林組合** local cooperative office, a prefectural agricultural-extension officer, or a 認定農業者 / 担い手 designation pathway. The cooperative office often pre-packages the application.
2. **Document package.** Decision book + 営農計画 / 漁業経営計画 / 森林経営計画 + multi-year financial statements + collateral schedules (land, water rights, vessel, facility) + 認定農業者 / 認定漁業者 designation evidence + downstream offtake / contract evidence (e.g., JA contract growing, supermarket procurement contract) where relevant.
3. **Branch-level credit screening.** AFF-trained credit officers assess repayment capacity against agriculture / forestry / fisheries-specific cash-flow profiles (seasonal cash flow, weather risk, biological yield risk, market-price risk). Underwriters apply policy-overlay product criteria (e.g., 担い手 status for 経営体育成強化資金).
4. **Subsidy / guarantee overlay check.** The application is screened against:
   - **MAFF subsidy programs** for grant-blend cases (e.g., 強い農業づくり交付金).
   - **農業信用基金協会** (prefectural agriculture credit fund association) or **漁業信用基金協会** for cases requiring credit-guarantee support — see [[policy-finance/agriculture-credit-guarantee-system|Agriculture credit guarantee system]] and [[policy-finance/fisheries-credit-guarantee-system|Fisheries credit guarantee system]].
   - **JAFFIC (農林漁業信用基金)** as the central counter-guarantor / insurer of the prefectural funds; AFF Division cross-references status of any associated guarantee.
5. **Regional / HQ credit committee escalation.** Larger tickets, 資本性ローン, food-industry M&A cases, and high policy-salience cases go to a regional or Tokyo HQ 審査会 (credit committee). For food-industry deals of significant size, the committee may include input from the SME Division for cross-lane consistency.
6. **Disbursement and monitoring.** Drawdown via the borrower's main JA / JF / 信用組合 / commercial-bank account; ongoing monitoring runs against seasonal cash-flow forecasts and biological / production milestones rather than the standardised quarterly cycle of a pure commercial lender.
7. **Default and restructuring.** Direct-loan losses flow to JFC's balance sheet. Where a parallel guarantee through 農業信用基金協会 / 漁業信用基金協会 exists, the guarantee acts on the corresponding bank-originated loan, not on the JFC direct loan. Restructuring frequently involves MAFF-coordinated 経営改善計画 frameworks and may include 資本性ローン conversion.

Cycle time for routine AFF Division loans depends heavily on the cooperative-office pre-package quality; well-packaged 認定農業者 スーパー L applications can move within weeks, while complex 6 次産業化 or food-industry M&A deals can run several months.

## 4. 民間金融機関との co-financing / 連携

The AFF Division's structural co-counterpart is the **cooperative-banking pyramid**: local JA → prefectural 信農連 → [[cooperative-banks/norinchukin|Norinchukin]] on the agricultural side, and local JF → prefectural 信漁連 → Norinchukin on the fisheries side. See [[banking/cooperative-banking-japan|Japan cooperative banking]] for the full system architecture.

- **Co-financing with JA / 信農連 on agricultural loans.** A typical farm-modernisation deal carries a JA-originated portion (often at a JA + 利子補給 subsidised rate via the 農業近代化資金 framework) plus a JFC AFF Division direct loan covering the longer-tenor or larger-ticket slice. Both lenders share field-level due-diligence work.
- **Co-financing with JF / 信漁連 on fisheries loans.** The structural twin of the agricultural arrangement; the same 利子補給 mechanism applies via 漁業近代化資金.
- **Coordination with [[cooperative-banks/norinchukin|Norinchukin]] for large food-industry deals.** Norinchukin sometimes participates directly in food-industry capex or M&A deals alongside the AFF Division for very large tickets, with megabanks ([[megabanks/mufg|MUFG]] / [[megabanks/smfg|SMFG]] / [[megabanks/mizuho-fg|Mizuho FG]]) sometimes in the same syndicate.
- **Routing into [[financial-regulators/jbic|JBIC]] for overseas food-industry tickets.** Large overseas-investment or overseas-acquisition tickets by Japanese food-industry borrowers are co-routed to JBIC's perimeter.
- **Coordination with prefectural / municipal lanes.** Many AFF Division products carry a parallel prefectural-government subsidy or guarantee layer; the underwriting flow incorporates this layering rather than treating it as separate paperwork.
- **Guarantee / insurance overlay through 農業信用基金協会 / 漁業信用基金協会 / JAFFIC.** These guarantee-system institutions back JA / JF-originated bank loans rather than JFC direct loans, but the AFF Division coordinates its direct lending around the same borrowers and projects.

The result is a tightly woven multi-counterparty credit system in which the AFF Division acts as the long-tenor / large-ticket direct lender, the cooperative banks act as the deposit-funded relationship lender, and the guarantee system absorbs default risk on the cooperative-bank side.

## 5. 政策目標と政府関与

The AFF Division is overseen by **農林水産大臣** (with 財務大臣 retaining cross-cutting JFC oversight as the share-holding ministry). Policy steering flows through:

- **食料・農業・農村基本計画**, **森林・林業基本計画**, **水産基本計画** — the three sectoral MAFF master plans that frame multi-year policy targets and feed into JFC's 中期経営計画 for this division.
- **MAFF annual budgets and supplementary budgets** that authorise interest-subsidy envelopes, special-loan frameworks, and disaster-response credit lines.
- **JFC 評価委員会** and standard policy-finance review mechanisms.
- **政府保証 / FILP funding pipeline** that ultimately governs lending capacity.

History of structural reform bearing on the division:

- 1953 establishment of the predecessor 農林漁業金融公庫 under postwar primary-sector reconstruction policy.
- 1990s–2000s reforms of cooperative finance (JA バンク restructuring; central / regional cooperative consolidation) that reshaped the AFF Division's counterpart system.
- 2008-10-01 four-institution merger creating JFC and folding 農林漁業金融公庫 into the present AFF Division.
- 2010s reorientation toward 経営体育成 / 認定農業者 / 集落営農 frame replacing the older smallholder-by-default frame.
- Post-2020 reshaping toward food security, export expansion, climate adaptation, biomass / forest-sequestration capex, and disaster-response credit (typhoons, livestock disease — esp. avian influenza, classical swine fever / ASF — Noto earthquake).

## 6. 経済安全保障 / 最近の方針シフト

Although the AFF Division is not the primary 経済安全保障 vehicle within Japanese policy finance, food security and primary-sector resilience were elevated meaningfully from approximately 2022:

- **Food security as economic security.** Disruption to global food, feed, and fertiliser supply chains after 2022 raised the policy salience of domestic primary-sector capacity. AFF Division product menus emphasise feed self-sufficiency, fertiliser supply diversification, and contract-growing structures that lock in upstream supply.
- **Agricultural export expansion.** MAFF's 1 兆円 / 2 兆円 export-target programs flow through into AFF Division product design — overseas-market-entry finance for food exporters, HACCP and other capex for export-grade production, and coordination with [[financial-regulators/jbic|JBIC]] for large overseas-investment tickets.
- **Climate / GX overlays.** Biomass, CLT and engineered-timber, smart-agriculture sensor / IoT capex, and methane-management livestock capex all show up in revised product targeting since 2022.
- **Disaster credit standing-up.** The 2024 Noto earthquake response activated the AFF Division's disaster credit framework quickly through supplementary budget — including primary-sector-specific 災害復旧 products distinct from the SME-side disaster credit.
- **Avian influenza / classical-swine / foot-and-mouth response.** Recurring livestock-disease outbreaks since 2020 drive cycle-by-cycle activation of livestock-specific 災害貸付 and 経営再開 credit lines.

The division's underlying operating model — long-tenor, low-rate, cooperative-coordinated direct lending across three primary sectors plus food-industry downstream — has not changed; the menu composition has rotated toward security / resilience / climate themes.

## 7. Comparative position — AFF Division vs adjacent cooperative-banking lanes

| Dimension | JFC AFF Division | JA バンク / 信農連 | JF マリンバンク / 信漁連 | 森林組合 関連金融 | [[cooperative-banks/norinchukin\|Norinchukin]] |
|---|---|---|---|---|---|
| Lender type | State direct policy lender | Cooperative bank for agricultural members | Cooperative bank for fisheries members | Cooperative-aligned financing | Apex cooperative bank + investment bank |
| Funding base | FILP + policy capital | Deposit funding from agricultural community | Deposit funding from fisheries community | Member contributions + bank lines | Aggregated cooperative deposits + global investment portfolio |
| Tenor capacity | Multi-decade (forestry up to ~30+ yr) | Standard commercial tenor | Standard commercial tenor | Variable | Mid- to long-tenor across products |
| Risk-bearing capacity | High via state appropriation + 利子補給 | Subject to cooperative-credit discipline | Subject to cooperative-credit discipline | Limited | Cooperative-credit discipline + investment-portfolio earnings |
| Sector breadth | Agriculture + forestry + fisheries + food industry | Agricultural focus | Fisheries focus | Forestry focus | All primary-sector lanes + downstream |
| Guarantee overlay | None on own loans; coordinates with 信用基金協会 system | Guaranteed by 農業信用基金協会 / 漁業信用基金協会 | Guaranteed by 漁業信用基金協会 | Variable | Strong cooperative-credit standing |
| Supervising ministry | MAFF (with MoF cross-cut) | MAFF (via 全中 / JA self-supervision frame + FSA on banking) | MAFF + FSA | MAFF | MAFF + FSA |

The lanes are explicitly designed to be complementary rather than substitutes. The cooperative system handles relationship-banking and standard-tenor deposit-funded credit; the AFF Division handles long-tenor, large-ticket, and high-policy-content credit; Norinchukin acts as apex liquidity provider and aggregator of cooperative funds. Guarantees from the 信用基金 system layer beneath the cooperative-bank loans rather than beneath the AFF Division direct loans.

## 8. Default and post-default workflow

AFF Division loans are direct-loan exposures — losses flow to JFC's balance sheet without a third-party guarantor channel. The post-default workflow is broadly parallel to the SME Division but with agriculture / fisheries-specific overlays:

1. **Seasonal cash-flow monitoring.** Stress signals tied to seasonal production cycles (poor harvest, bad fishing season, livestock disease event, weather damage) drive early-warning engagement.
2. **災害貸付 / 経営再開 conversion.** For disaster- or disease-event-driven distress, restructuring may convert exposure into a disaster-credit framework with concessional terms.
3. **資本性ローン conversion.** For mid-cap food-industry borrowers or large incorporated farms, subordinated quasi-equity conversion can support turnaround plans.
4. **6 次産業化 reorganisation.** For integrated upstream-to-downstream borrowers, restructuring may include sponsor injection from a food-industry partner.
5. **MAFF-coordinated 経営改善計画.** Larger restructuring cases may be coordinated through MAFF-aligned 経営改善計画 frameworks involving prefectural and cooperative-sector counterparts.
6. **法的整理.** Formal proceedings under 民事再生法 / 会社更生法 if informal workout fails.
7. **Loss recognition.** Final losses are recognised against JFC's loan-loss reserves; for disaster- or crisis-vintage loans with explicit subsidy overlays, losses are partly absorbed by dedicated reserve / supplementary-budget transfers.

The forestry sub-book is operationally distinctive: very long tenor means the workflow horizon extends across multiple succession events and management-body changes, and post-default workflow may involve forest-management succession (転売 / 森林経営管理制度 transfer) rather than pure financial workout.

## Related

- [[policy-finance/INDEX]]
- [[policy-finance/japan-policy-finance-system]]
- [[policy-finance/jfc-sme-division-operating-model]]
- [[policy-finance/agriculture-credit-guarantee-system]]
- [[policy-finance/fisheries-credit-guarantee-system]]
- [[policy-finance/japan-eximbank-history]]
- [[financial-regulators/jfc]]
- [[cooperative-banks/norinchukin]]
- [[financial-regulators/jbic]]
- [[financial-regulators/dbj]]
- [[banking/cooperative-banking-japan]]

## Sources

- JFC AFF Division product pages (https://www.jfc.go.jp/n/finance/agri/) — スーパー L 資金 / 経営体育成強化資金 / 林業基盤整備資金 / 漁業近代化資金 menu and terms.
- JFC Annual Report / 業務報告書 (https://www.jfc.go.jp/n/findings/) — division-level lending volumes and balance-sheet detail.
- MAFF agriculture / forestry / fisheries finance hub (https://www.maff.go.jp/j/keiei/kinyu/) — interest-subsidy program design, 認定農業者 framework, sectoral master plans.
- MAFF credit-guarantee system overview (https://www.maff.go.jp/j/keiei/kinyu/hosyo/hosyou.html) — 農業信用基金協会 / 漁業信用基金協会 and JAFFIC architecture.
- JAFFIC (農林漁業信用基金) system page (https://www.jaffic.go.jp/guide/gyo/index.html) — central insurance / counter-guarantee role.
- Norinchukin Bank profile (https://www.nochubank.or.jp/) — apex of the cooperative-bank pyramid that is the AFF Division's structural counterpart.
- 株式会社日本政策金融公庫法 (平成 19 年法律第 57 号) — JFC statute including 農林水産事業 scope.