The Ministry of Land, Infrastructure and Transport has operated the system of lending of money for lease on a deposit basis with the National Housing Fund to lend money to the employees at a rate lower than the market interest rate if there is an application for the loan with only certain documents such as the certificate of employment and the statement of salary without any special security to stabilize the housing of homeless workers with the financial resources of the National Housing Fund.

그러나 근로자 주택전세자금 대출 관련 업무를 위탁 받은 금융기관이 형식적인 심사만 하고 대출을 해 준다는 사실을 알고, 대출브로커들은 허위로 임차인과 임대인 역할을 하는 사람들과 함께 근로자 주택전세자금 대출금을 가로챌 것을 모의하였다.

Accordingly, loan broscers made false employment-related documents and false contents related to the lessee, who is the nominal holder of the loan, and made the false documents to the lessee who will perform the lease. The false lessee, as above, submitted documents related to the false employment and the house lease contract to the financial institution, and applied for the loan of the house lease to the employee while submitting the house lease contract to the financial institution. The false lessor, who will engage in the lessor, confirms that the financial institution entered into a contract of the lease on a deposit basis, if the confirmation of whether the contract of the lease on a deposit basis is actually made or not, made a request for the loan of the worker on a deposit basis and received the loan to divide the loan.

Specific criminal facts, the Defendant, as a false lessee, obtained a loan of the employee deposit money by the above method, and conspired in order to have it divided.

According to the above public offering, a false certificate of employment prepared by the Defendant, who is the applicant for the loan, around June 2014, as if he were present in D;