1. The Ministry of Land, Infrastructure and Transport of the structure of this case’s loan fraud system operates the system of entire housing loan for workers who lend the entire housing loan at a rate lower than the market interest rate without securing the entire housing loan funds from the National Housing Fund for the stabilization of housing for homeless workers.

The crime of fraudulent workers’ loan fraud is based on the circumstances in which loan broskers, such as loan brosker’s total amount of loan, loan recruitment books, loan broskers, loan broskers’ loan-related business affairs, etc., were entrusted to the financial institution with the business of lending workers’ loan broskers, and submission of loan brosker’s loan contract can easily obtain loan through formal examination. Under the order of the total loan brosker’s loan brosker’s loan brosker’s loan recruitment book, tenant recruitment book is false tenant recruitment book, and tenant recruitment book is false tenant recruitment book by recruiting the loan owner who will actually work as the actual worker, and the lender prepares false documents related to the loan brosker’s name, such as certificate of employment, payment statement, income tax collection certificate, etc., and then prepares a false house lease contract as if a false tenant and a false lessor actually entered into a house lease contract between the financial institution.

2. On August 2014, the Defendant became aware of the fact that, after preparing a false certificate of employment and a false lease contract, the Defendant could obtain a lease loan if he/she submitted it to a financial institution after he/she became aware of the name-free loan hubs that he/she became aware of through Internet lending advertisement. The above name-free loan hubs are false documents necessary for the loan.