[criminal record] On May 25, 2012, the Defendant was sentenced to a suspended sentence of one year and six months for a violation of the Act on the Aggravated Punishment, etc. of Specific Crimes at the Jung-gu District Court on May 25, 2012, and the judgment became final and conclusive on May 23, 2013. On July 23, 2015, the Defendant was sentenced to one year of imprisonment with prison labor at the Seoul Central District Court for a violation of the Act on the Aggravated Punishment, etc. of Specific Crimes and became final and conclusive on November 6, 2015.

[2015 Highest 4749]

1. Fraud;

A. The structure of the crime of fraud of lending money to false workers by leasing money to the National Housing Fund shall operate the system of lending money to workers who lend money to the National Housing Fund at a rate lower than the market interest rate without securing the said money to stabilize the residence of homeless workers;

The loan hubs of this case consisting of loan hubs, tenant recruitment books, tenant recruitment books, tenant recruitment books, document forgery books, etc. taking account of the fact that the financial institution entrusted with the business related to the loan of pre-paid housing can easily obtain the loan by submitting only the documents related to the loan of pre-paid housing to the financial institution entrusted with the business affairs related to the loan of pre-paid housing through formal review. Under the overall order of the loan hubs, the tenant recruitment book under the overall order of the loaner is a false tenant recruitment book, and the tenant recruitment book is to recruit the loan owner to make a loan of pre-paid housing loan while making a false tenant's loan under the overall order of the loan hubs. The recruitment book of a pre-paid certified rental broker is to prepare a false housing lease contract with the owner of the house who will act as a lessor and to make a false loan contract between a false tenant and a false lessor as if the lender actually works as the person under the name of the disguised company, and the document forgery book is prepared as if the lender actually worked as the person under whose name the loan was a false loan.