If the defendant does not pay the above fine, 50,000 won.

The Defendant was not entitled to obtain a credit loan from a financial institution due to the absence of a certain occupation.

Therefore, on February 2, 2010, the Defendant called by the phone number indicated in the loan advertisement of living information paper to the police officer in order to ask the credit service provider under his/her name whether it is possible to grant a loan, and requested C to visit the “D” office of the credit service provider’s operation.

In addition, the Defendant listened to the statement that the Defendant may make a credit loan as if he was in his job and issued C with a copy of resident registration and a copy of a non-deposit passbook as required by C.

On the other hand, C received the above deposit passbook from the Defendant and delivered it to E, and E changed the deposit passbook in the name of the person without a name, without permission, as if monthly salary was paid from the business operator due to the fact that the monthly salary was paid to the business operator in the above detailed passbook, and as if the Defendant was an employee of the above business entity, he forged a certificate of employment in the name of the person without a name of the representative of the business entity, and issued C a modified non-use deposit passbook and a forged certificate to C, and C

Accordingly, on February 12, 2010, the Defendant submitted to the employee in charge of loans in the name of the Hansung Savings Bank and submitted to the employee in charge of loans in the name of Hansung Savings Bank the altered passbook and the forged certificate of employment as if they were actually prepared, and exercised the same as if they were actually prepared. On February 12, 2010, the Defendant was issued 400,000 workplace credit loans from the Hansung Savings Bank, which was believed to have been actually prepared.

As a result, the defendant, in collusion with E, C, etc., alters the deposit passbook in the name of an unclaimed person, who is a private document concerning a certificate of fact, and forges a certificate of employment in the name of an unclaimed person, who is a private document concerning a certificate of fact, and forges the altered deposit passbook and a forged certificate of employment.