WelfareGuidanceMarketing and PurchasingKoseiren and Zenkoren set up and operate hospitals and clinics, along with providing members and local residents with health checkups and health maintenance activities, as well as nursing care services.Chuokai and Zenchu make agricultural policy proposals, provide training, audits and guidance to JAs, conduct publicity activities and collaborate with international organizations.Keizairen and Zen-Noh conduct marketing and purchasing operations. Marketing involves delivering agricultural and livestock products produced by farmers to consumers. Purchasing involves supplying members with materials needed to manage farms and daily necessities.CreditShinren and The Norinchukin Bank provide members and local residents with nancial services such as savings, loans and exchange businesses.InsuranceGuided by its business philosophy of “Mutual aid,” Zenkyoren provides comprehensive coverage of life, homes and automobiles.of Agricultural CooperativesPrefectural Economic FederationsKEIZAIRENNational Federation of Agricultural Cooperative AssociationsZEN-NOHof Agricultural CooperativesPrefectural Credit FederationsSHINRENCentral Cooperative Bank for Agriculture, Forestry and FisheriesTHE NORINCHUKIN BANKNational Mutual InsuranceFederation of Agricultural CooperativesZENKYORENAgricultural CooperativesPrefectural Unions ofCHUOKAICentral Union of Agricultural CooperativesZENCHUKOSEIRENNational Welfare Federation of Agricultural CooperativesZENKORENof Agricultural CooperativesPrefectural Welfare FederationsNational LevelPrefectural LevelLocal LevelMembers: 10.2 millionRegular members: 4.49 millionAssociate members: 5.77 million(As of March 31, 2015)Primary Societies (JAs): 658(As of July 1, 2016)Primary Societies (JAs)Primary Societies (JAs):With regard to Insurance, at the local level, the primary societies provide direct liaison with members and policyholders and handle policy administration, processing and contract maintenance, as well as the payments of claims. They also provide members and policyholders with various kinds of information related to the purchase of insurance policies.Zenkyoren:Zenkyoren engages in a wide range of JA insurance activities that include planning and management, product development, underwriting, claims assessments, and providing information and materials for sales promotion and public relations activities. It also manages investment funds, develops and operates information systems, holds training programs, and conducts welfare activities.Structure of the JA GroupAnnual Report 20165


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