except that the execution of the above punishment shall be suspended for two years from the date this judgment becomes final and conclusive.

The Defendant, in collusion with his name-free loan brokers, etc., did not appear to have a false certificate of employment and a false charter contract as an employee who has completed work using a charter contract, and instead, did not have a valid charter contract with a financial institution that is the victim and received a loan from the National Housing Fund.

Accordingly, the Defendant applied for a loan of KRW 53 million to an employee in charge of the loan at the victim bank operations Dong branch of Gyeyang-gu Incheon Metropolitan City on August 2, 2011, along with a false lease contract (a lease: D, lessee: Incheon Bupyeong-gu E apartment 303, a deposit amount: 80 million won: 2 years from August 22, 201), which was made by the Defendant as if the Defendant was an employee C, (a) and a false lease contract (a lease: D, lessee: Incheon Bupyeong-gu E apartment 303, a deposit amount: 80 million won: 2 years from August 22, 2011) that was made by the Defendant as if the Defendant was an employee C, and a loan of KRW 53 million was transferred from the victim on August 19, 2011.

As a result, the defendant was given property by deceiving the victim in collusion with the name of the handicapped.

Summary of Evidence

1. Defendant's legal statement;

1. Statement made to D by the police;

1. Application of Acts and subordinate statutes to loan documents (A), details of account transactions, passbook transfer slips, investigation reports (Attachment to judgment on separate transfer cases);

1. Relevant Articles of the Criminal Act and Articles 347 (1) and 30 of the Criminal Act concerning the crime;

1. Reasons for sentencing under Article 62(1) of the Criminal Act of the suspended sentence [the scope of recommending punishment] There is no basic area (6-100,000 won or less) (6-100,000 won or less) (6-10,000 won) of the basic area (6-10,000 won or more) (the decision of sentencing], and there is no substantial amount

However, the defendant has no obvious previous convictions other than fines, and the defendant is given a loan.