However, the execution of the above punishment shall be suspended for one year from the date this judgment becomes final and conclusive.

On January 2016, the Defendant artificially raised the Defendant’s credit rating to the extent that it can receive a microcredit from the lending company by paying part of the Defendant’s existing debt, and offered to the lending company for the so-called “work loan” in a way that the Defendant applied for a microcredit simultaneously with several lending companies on the same day, using the fact that it is difficult to confirm the details of other loan application filed on the same day on the same day.

Accordingly, from January 8, 2016 to January 22, 2016, the Bracker applied for a loan of KRW 10 million to a non-employee of the victim D Co., Ltd. (hereinafter “victim”) in the office of the C Co., Ltd. (hereinafter “victim”) who is working for the Defendant at Chang-si, Chang-si, Chang-si, Seoul, for a loan of KRW 42,586,507 in lieu of the Defendant’s existing loan amounting to KRW 42,507.

However, in collusion with the above Brazil, the Defendant applied for a loan simultaneously to seven loan companies including the above victim company on the day when the Defendant applied for the above loan, but did not notify the above victim company of such circumstance. In addition, the Defendant did not own any property under the name of the Defendant at the time, and the Defendant’s payment income alone is difficult to perform his/her obligation such as card price because it is difficult for him/her to receive credit card loan and cash service.