  We study a possibility to explain neutrino masses and mixings based on
supersymmetry. If we introduce a flavor diagonal but generation dependent extra
U(1) gauge interaction at a TeV region, we can obtain masses and mixings of
neutrinos required for the explanation of both solar and atmospheric neutrinos.
In this model, differently from the usual bilinear R-parity violating scenario,
the neutrino mass degeneracy can be resolved at a tree level by the
neutrino-gaugino mixing caused by an R-parity violation. The model is
straightforwardly extended to include the quark sector by introducing an
anomalous U(1) which can be used for the Froggatt-Nielsen mechanism.
