In fact, even if the Defendant did not have any particular property owned by the Defendant, and the previous obligation is equal to KRW 80 million, and the Defendant received a loan from the lending company or borrowed money from the damaged party on the ground that the victim was jointly and severally surety, the Defendant did not have any intent or ability to repay the loan or borrowed money properly to the victim, since it should be used as living expenses or operating expenses for the public book room

1. On November 2015, the Defendant’s joint and several surety fraud means that, at the Defendant’s house located in the Seo-gu Incheon apartment in Seo-gu Incheon, the Defendant made a false statement that “to obtain a loan of 18 million won from the lending enterprise, to repay the loans on the face of two months, and to replace the joint and several surety with her husband in 2016,” and that, in this context, the Defendant may have the victim use the Do Ban on around November 16, 2015.

The loan of KRW 3 million from the division, KRW 3 million from the loan (ju), KRW 3 million from the CNB loan (ju), KRW 3 million from the CNB loan (ju), KRW 3 million from the TNS TNS TF loan, KRW 3 million from the (ju), KRW 3 million from the (ju) TNS loan from the safety loan, KRW 3 million from the (ju), and KRW 18 million from the loan of the loan companies, and KRW 3 million from the (ju) the loan of KRW 18 million from the loan companies. The joint guarantor has the same amount of debt and acquired the same financial profit.

2. On January 6, 2016, the Defendant borrowed a false statement that “If he/she borrowed only KRW 20 million from a lender, he/she will repay to the borrower in full with the previous KRW 18 million after the first week, he/she will recover credit within the first week, and if he/she borrowed only KRW 20 million from the lender, he/she received the loan from the lender companies around January 6, 2016, and the victim was remitted from the lender to the Agricultural Cooperative under the name of the Defendant. < Amended by Act No. 14879, Jan. 6, 2016>

b)a summary of the evidence;