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 (National Mutual Aid Fisheries Cooperative Federation) is a national federation that conducts mutual aid businesses based on the Fisheries Cooperative Act. According to the official organization profile, JF, fisheries production cooperatives, seafood processing industry cooperatives, and other federations nationwide are members, and the member associations and Kyosuiren jointly undertake mutual aid contracts. The number of members as of 2025-03-31 is 926. This number should not be confused with the number of JFs conducting credit business or the number of organizations participating in other systems. ^[Sources: https://www.kyosuiren.or.jp/about/kyosuiren/; https://www.kyosuiren.or.jp/assets/pdf/disclosure/disclosure_2025.pdf.]

1. Organizational structure

Sources: Organizational form, membership scope, establishment, location, and number of members are based on the official organizational overview of JF Kyosuiren and “Current Status 2025.” The previous version of ``71 JF’’ was withdrawn because it incorrectly combined the separate tally of credit business implementing entities with the number of members. ^[Sources: https://www.kyosuiren.or.jp/about/kyosuiren/; https://www.kyosuiren.or.jp/assets/pdf/disclosure/disclosure_2025.pdf.]

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 | | institutional basis | Insurance business law | Fisheries cooperative law | Agricultural cooperative law | | 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 | | Number update source | Statutory/integrated disclosure of each company | JF Kyosuiren “Current situation” | Current status and disclosure of JA Mutual Aid Federation |

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 ^•

Comparison with JA Kyosairen

| Axis | Ja Kyosairen | JF Kyosuiren ★this page | |—|—|—| | basis law | Agricultural cooperative law | Fisheries cooperative law | | organization | Agricultural cooperative-affiliated mutual aid national federation | Mutual Aid National Federation of Fisheries Cooperatives | | Membership update source | Official disclosure of base date of JA Kyosairen | JF Kyosuiren “Current situation” | | Update source for contract/asset figures | Official disclosure of base date of JA Kyosairen | JF Kyosuiren “Current situation” |

Sources: Legal systems, organizations, and figures are confirmed separately in the primary documents with reference dates for each federation. This table does not estimate size ranking or product identity. ^[Sources: https://www.kyosuiren.or.jp/about/kyosuiren/; https://www.kyosuiren.or.jp/assets/pdf/disclosure/disclosure_2025.pdf; https://www.ja-kyosai.or.jp/about/annual/.]

Key chronology ^•

Notes on comparison

• The insured amount, total assets, and mutual aid premiums received are different indicators and should not be mixed together as the same “scale.”
• Systems with similar names, such as JF Mutual Aid, Fishing Boat Insurance, and Fishery Mutual Aid, should be distinguished by confirming the underlying law and operating entity.
• Comparisons with JA Kyosairen will only be made if official disclosures of the same indicators on the same reference date are available.

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”)

Sources: The guaranteed amount, number of contracts, mutual aid premiums received, mutual aid payments, total assets, and number of members are based on the 2025-03-31 snapshot of JF Kyosuiren’s “Current Situation 2025”, and the investment is based on the official organization overview that clearly indicates the reference date. Do not conclude trends from values ​​from different years. ^[Sources: https://www.kyosuiren.or.jp/about/kyosuiren/; https://www.kyosuiren.or.jp/assets/pdf/disclosure/disclosure_2025.pdf; https://www.jf-kyosai.jp/about/.]

5. Supervision / regulation

• Legal Basis: Fisheries Cooperatives Act. Expressions regarding supervisory authority and joint jurisdiction will be updated based on laws and regulations and documents from the competent authorities, and will not be inferred from the supervisory relationships of similar insurance companies.
• Recent policy issues:
  • Track the latest mutual aid regulations, soundness indicators, and financial ADR responses in the “current status”.
  • The boundaries with other systems such as fishing boat insurance and fisheries mutual aid will be confirmed by the operating entity and the underlying law.

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. For the organization, number of members, and KPIs, we used JF Kyosuiren’s official “Information” “Current Status 2025” with reference date. The size ranking of 71 JF, unverified joint supervision, products of other systems, and JA mutual aid, which was confused in the previous version, has been withdrawn.