However, the execution of the above punishment shall be suspended for a period of two years from the date this judgment becomes final and conclusive.

B, due to low personal credit rating or absence of other assets, B, by soliciting those who are unable to borrow a financial institution in normal ways, and by forging various documents necessary for lending from a financial institution, and allowing them to obtain a loan from a financial institution under the name of the lending person as a fee, B performed so-called “work loan” business, and the Defendant received daily allowances from B and tried to perform the business of lending the loans.

The Defendant and B used that the Victim C (W, 20 years of age) who met through the Pest North Korea did not understand the meaning of the loan or joint and several sureties as a disabled person of class 3 intellectual disability, and set up the victim as a joint and several surety, so that D can obtain a joint and several sureties loan from the lending company, and B will provide one million won if the victim only lends the name of the victim.

In order to obtain a resident registration certificate and a portable telephone from the victim, the defendant prepared a joint and several guarantee contract with the victim's personal phone, and the lending company conspired to obtain a loan from the lending company as if the borrower was a victim if the telephone was made to confirm the joint and several guarantor.

1. On August 24, 2015, in accordance with the above public offering, the Defendant and B entered “C”, resident registration number “E”, amount of debt guaranteed, 34.9%”, i.e., autonomous “34.9%”, i., debtor “D”, and sureties’s “C” in the form of joint and several surety transaction contract with the Trade Union and Labor Relations Resolution Co., Ltd., and signed the victim in the column of joint and several guarantors.

As a result, the defendant has forged one chapter of the joint and several surety transaction contract under the victim C, which is a private document related to rights and obligations, for the purpose of exercising jointly with B, and the defendant has five times as shown in the list of crimes.