When the Defendant works as a lending consultant, and receives a request from a customer for a loan but fails to meet the loan standards, the Defendant first performed his business in a way that he receives a refund of money paid by a customer on behalf of a customer from a financial institution, such as a Sti Bank, which is higher credit rating, and then receives a refund of money paid by the customer on behalf of the customer and receives fees and allowances.

1. The Defendant, in relation to C, borrowed 50 million won from the victim to December 31, 2012 and paid fees to C by getting the victim to lend money to the victim with a high interest rate of interest, and by getting the person to borrow money from financial institutions. Accordingly, money is necessary. It is necessary to pay immediately when the Defendant wishes to lend money, and 20 million won per one day shall be paid. From July 4, 2012 to December 31, 2012, the Defendant borrowed 50 million won from the victim and paid 300 million won interest to the victim to December 31, 2012. However, even if the Defendant borrowed 30 million interest and principal, it is difficult to pay 200 million won interest from the victim’s loan to the extent that it is difficult to pay 1.5 billion won interest from the victim’s family loan to the extent that it is difficult to pay 1.5 billion won interest from the victim’s loan to the victim’s family loan.