Around March 2011, when the Defendant was unable to obtain a loan from a financial institution in a normal way due to absence of a certain occupation and low credit rating, the Defendant, by manipulating the documents for application for a loan, such as making a false certificate of employment from B and C, and preparing a false lease contract with the Defendant as a lessee, received a proposal from a financial institution to receive a loan for a full-time employee from a financial

On the other hand, the above B and C proposed that D will offer a false house lease contract to be used for the purpose of employee loan loan, and D would offer a false house lease contract to E, and D would lend the name of the lessor of the house lease contract to F as the lessee on the condition of paying each price, and F would delegate E to E a false lease contract to prepare and provide a false lease contract to be used as the lessee.

Around March 2011, the Defendant, along with B and C, prepared a false employment certificate in the name of “I Representative J,” stating the Defendant as an employee, even though the Defendant had not worked as an employee of “I” operated by H, and prepared a false lease agreement in the L Real Estate Office located in Gangnam-gu Seoul Metropolitan Government, Gangnam-gu, Seoul, with the aforementioned D, E, and the deposit money KRW 70 million, lessor F, and lessee A.

After that, the Defendant received false documents necessary for the application for loans, such as a certificate of employment, lease contract, etc. from police officers B and C in March 201, and applied for a loan of 49 million won to employees in charge of loans in the name of the above bank at the set-off branch of the victim bank in Seoul Special Metropolitan City, Nowon-gu, the Defendant was actually employed as a deposit for lease of a house and as an employee on the certificate of employment, even though there was no intention to implement the loan in accordance with the terms and conditions of the lease contract and no employee had worked for the above business.