The Defendant and North Korean defectors and members of the organization of telephone financing fraud (hereinafter referred to as “scaming”), as well as the so-called “total liability” to induce victims by employing a teledeciler and making false loan advertising calls, and to take over money under the name of loan commission, etc. and instruct them to withdraw criminal proceeds. C used illegally collected personal information to be used in telephone financing fraud, and the so-called “scam-to-scam solicitation policy” to be issued with an illegal name passbook (hereinafter referred to as “scambook”) to be used in telephone financing fraud, etc. from a third party, or to recruit a large account from a third party, and the Defendant, upon receiving instructions from a total book, planned to perform the so-called “conception book” role, D, E, and F to instruct withdrawal of cash, in order and order the so-called “passing” role to withdraw cash at the time and place designated by the Defendant.

Accordingly, around March 5, 2013, B calls from the victim G through the nameless telemer in an irregular place in China at a time less than a time limit for danger and injury, and in fact calls from the victim G to the victim, despite the absence of the intent or ability to give the loan to the victim, B makes a simple loan from the victim when sending the expenses for issuing a letter of guarantee, deposit money, stamp tax, etc. to the victim, and it is a false statement to the effect that, around March 4, 2013, B receives 120,000 won as the expenses for issuing a letter of guarantee to the K bank account in the name of J on March 5, 2013; 450,00 won as the revenue stamp account in the name of L on March 5, 2013; 490,00 won as the name of deposit account in the name of M bank account in the name of M bank on March 6, 2013; 30,300,000 K account under the name of each account, 40.