[The defendant's location in the work loan] The defendant, along with B (the indictment of March 27, 2020) and others, used the loan screening system to conduct an examination without conducting a field examination as to the existence and employment of the nominal owner of the loan in the lending bank, and only by telephone without conducting a field examination as to whether the lending bank is in office or not. In order to attract people who do not meet the requirements for the loan or who are in need of pay-in, prepare a false income confirmation, etc. to the lending bank and submit it to the lending bank, or when examining the telephone of the person in charge of the lending bank, by deceiving the lending bank to obtain illegal loans by deceiving the lending bank by means of false information about the workplace, employment, and monthly salary, etc., and then collecting part of the loan from the lending bank as commission.

Accordingly, the Defendant uses the name "C", and required D, etc. to recruit the loan title holder for the early 20-years who are relatively easy to pay fees due to lack of social experience and financial knowledge, and when soliciting the loan title holder by advertising loans by means of making inquiries to the neighboring people, such as D, etc., the Defendant is an unconditionable person or university student who is unable to lend to the loan title holder from the place of promise after the lending the lending title holder due to the PC room, coffee shop, etc., while requesting a work loan by preparing and delivering a false employed information as if the lending title holder works for a normal workplace and received benefits, and then preparing and delivering a written statement of account transaction in support thereof to B, the Defendant directly prepares a false income confirmation document in receipt of such request from the Defendant, and then examines whether the false employment certificate, etc. meets the requirements for approval of the loan.