On November 17, 2014, the Defendant called the Victim Co., Ltd., Ltd., and applied for a small credit amount of KRW 3 million by means of the annual interest rate of 34.9%, overdue interest rate of 34.9%, and interest rate of KRW 136,00 as principal and interest, for 36 months.

However, the defendant did not have the intention or ability to repay even if he borrowed from the victim company.

As such, the Defendant, by deceiving the victim, was immediately given three million won as a loan from the victim.

Summary of Evidence

1. Defendant's legal statement;

1. Each police statement of C or D;

1. Application of written confirmation of details of transactions, loan agreement, written confirmation of details of deposits transactions;

1. Relevant provisions of the Criminal Act and Article 347 (1) of the Criminal Act concerning the choice of punishment;

1. Penalty fine of 500,000 won to be suspended;

1. Articles 70(1) and 69(2) of the Criminal Act for the inducement of a workhouse (in cases of conversion of KRW 100,000 per day);

1. Article 59 (1) of the Criminal Act (Article 59 (1) of the suspended sentence (Article 59 (1) of the Criminal Act (Article 59 (1) that the defendant reflects his fault, suffers from mental illness, such as mental division, and