A shall be punished by imprisonment with prison labor for four months, and by a fine of three million won.

Defendant

B The above fine shall not be paid.

1. Defendant A’s fraud (2016 highest 2104) Defendant A’s phone call to the victim C on October 22, 2015 at a non-permanent place, and Defendant A obtained additional loans from a bank, etc., by putting on the phone to the victim C at the expense of around October 22, 2015.

No additional loan may be made without a joint guarantor.

In addition, D's false statement was made to the effect that D's loan, if D's joint and several sureties, it would not cause damage to D's joint and several sureties by taking out the credit rating of 18 million won in return for the loan with the loan, and then receiving D's loan again from other banks within three months, and then receiving D's preferential and several sureties's loan from other banks.

However, Defendant A had no intention or ability to repay the loan of KRW 18 million as the principal debt holder, because it is difficult for the victim to pay the loan of KRW 48 million to other loan companies at the time, etc., and there is no intention or ability to recover the credit rating of Defendant A by paying the loan of KRW 18 million as the principal debt holder. The above loan of KRW 18 million is considered to be used for other purposes, such as the expenses for the operation of a child welfare store, and there was no intention or ability to recover the credit rating of Defendant by paying the loan of KRW 18 million as the above loan of KRW 18 million.

Accordingly, the Defendant, as seen above from October 22, 2015 to around December 23, 2015, had the victim deceiving the victim, and caused the victim to stand a joint and several surety for the total of KRW 18 million loans to the six lending companies, such as the list of crimes, as shown in the attached Table, and received the above loans of KRW 18 million from the national bank account (Account Number: D) in the name of the Defendant, and acquired pecuniary profits equivalent to the above amount.

2. Defendant B’s violation of the Road Traffic Act (Unlicensed Driving) (2016 Height 2651), Defendant B, around October 12, 2016, is the Jincheon-gun, Jincheon-gun, Jincheon-gun culture around 00:20 on October 12, 2016, and is the F convenience point in E from the front of the 105 parking lot.