A Imprisonment with prison labor for six years and for five years, respectively.

The Defendants of 2017 Gohap 207 concluded that the credit rating is higher by recruiting an unspecified large number of credit holders, unemployed persons, etc. to disguised employment, or by manipulating credit card transaction performance, and that they would be able to obtain a loan by deceiving financial institutions, etc., which are victims who are not aware of such credit rating, and H, I, etc. said, “I, etc. will play a role in soliciting loan holders, J, K, L, M will play a role of introducing a disguised financial institution and a disguised employment business entity, by stating that “When an application is filed for bankruptcy without paying a loan with a loan granted by a financial institution after raising credit rating, there is no problem.”

After the Defendants conspired with H, I, L, and J to provide work loans as above, and then filed an application for loans of KRW 20 million with loans by presenting false certificates of employment, etc. to bank employees under the name in the name of capital for household funds at the NA Kim Jong-gu Seoul Agricultural Co., Ltd., the Agricultural Co., Ltd., Inc., the Seoul Agricultural Co., Ltd., which was located in 84 U.S. on January 22, 2016, when Q had not served in the above industrial company in spite of the absence of the fact that Q had served in the above industrial company, and Q was employed as a disguised employment as if Q had served in the above industrial company.

However, in fact, Q did not have served as a P industry company, and did not have economic ability to obtain a loan equivalent to KRW 20 million, so even if it received a loan from the victim agricultural cooperative, it did not have the intent or ability to repay the loan.

As a result, the Defendants: (a) in collusion with Q Q, I, L, J, and lending request, deceiving the employees of the victim bank; and (b) deceiving the employees of the victim bank; and (c) from January 22, 2016 to May 25, 2017, the Defendants, as shown in the attached Table 1 and the attached Table 3, have received the remittance of loans equivalent to KRW 20 million from the victim bank; and (b) from January 22, 2016 to May 25, 2017, under the name of the loan owner, Q, R, S, C, V, X, X, Y, Z, AB, AC, AD, AE, and IE.