[Judgment of the court below] The crime of telephone financial fraud (one-time phishing) consists of several stages, such as inducements, management measures, cash collection measures, remittance measures, etc., which form various stages of frauds, such as telephone calls to many unspecified victims, such as financial institutions and investigation agencies, which induce victims to transfer money by deceiving victims by deceiving them by deceiving them by deceiving them to financial institutions or investigation agencies, etc., and "management measures" which manage their employees by functionally receiving money from the victims in accordance with the above management measures, and "cash collection measures" which are deposited into the account used by the above fraud group by receiving money directly from the victims in accordance with the above management measures.

On October 21, 2019, the Defendant: (a) received cash from the victim according to the direction of an employee of the aforementioned management officer; (b) conspired in order to acquire money from an unspecified number of victims by deceiving money by ice lending, etc., under the direction of an employee of the said management officer; and (c) deposited this into the account used by the Bosing Fraud; and (c) made a public offering to acquire money from an unspecified number of victims by ice lending, etc.

【Criminal Facts】

1. On October 28, 2019, in accordance with the above open recruitment relationship with the victim D, the victim D assumes an E employee by walking a phone at the victim D, and let the victim file an application for a loan at a low interest rate, stating that “it is possible to make a substitute loan at a low interest rate,” and then, again, the victim assumes the victim’s phone call and assumes the F Bank employees and G card employees twice, and it is a breach of a contract for E to apply for a loan at the time of an existing loan contract.

To file an accusation if the loan is not repaid, it will be a measure of accusation;

However, in the event that money previously borrowed from the F Bank and the G Card is immediately repaid in cash, the breach of the contract may not be disclosed;

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