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

B, C, D, E, and F, among those who wish to provide only a little amount of monetary consideration in a economically difficult location, intended to borrow the name, they would borrow a loan from a person with a credit rating sufficient to open a mobile phone, and then receive various loans from financial institutions, etc., or by opening a mobile phone in the name of a mobile phone ("one-time tin"), sell it by a mobile phone ("one-time tin"), or receive money by using a credit card in the name of an old person issued in advance after having registered a business and a credit card merchant registered a credit card store, or receive money by pretending the payment of goods with a credit card in the name of an old person issued in advance.

Accordingly, B plans and orders to commit the entire crime, D and F reported the nominal name lender, C and E enter a bank, tax office, etc., and handle various kinds of applications for loans, mobile phone openings, etc., and the Defendant prepared documents necessary for “G Ma car loan” such as a sales contract, etc. with knowledge of the fact that the nominal owner of the documents, such as the contractor introduced from B or the certificate of employment issued from B, has no intent or ability to purchase used cars or pay the installments normally, and submitted them to G Ma car loan, and made a false public offering to receive KRW 150-2 million per vehicle under the pretext of transfer of commercial expenses, separately from transfer expenses.

Accordingly, on October 2017, D approaches to suggest food expenses if he/she lends his/her identification card, etc. to H while living in the Nowon-gu, Seocheon-gu, Seocheon-gu, 2017 in the neighboring park, and upon receiving instructions from B to file an application for the establishment of a cell phone and passbook, mid-term loan, business registration, etc. in his/her name since the credit rating of H is Grade 3, D connects the above H with E, and C visits the two-dong branch of G Bank I in the Seocheon-gu, Seocheon-gu, 2017. < Amended by Presidential Decree No. 21039, Oct. 20, 2017>