In fact, the defendant was operating a user around March 2014, but it was difficult to regard the enemy, and even if he was unable to repay the debt such as bonds with about 30 million won, he was at the risk of being registered as a bad credit holder because he was unable to repay the debt borrowed from the financial institution, he did not have an intention or ability to repay the loan.

Nevertheless, on March 5, 2014, the Defendant applied for a loan of KRW 16 million to a staff member in charge of the purchase of a "highest Pream" and made a loan of KRW 16 million to the staff member in charge of the purchase of a "highest Pream" at the office of Orato CFC Co., Ltd., Ltd. located in the Seo-gu Daejeon World Cup No. 484, Seo-gu, Seo-gu, Daejeon, Seoul, and then acquired a loan of KRW 16 million from the victim company and then purchased a "highest PP" vehicle with a loan of KRW 16 million from the victim company at that time.

Summary of Evidence

1. Statement by the defendant in court;

1. Statement made by the police against D;

1. Application of the Acts and subordinate statutes to the complaint;

1. The punishment was determined in consideration of the relevant Article of the Criminal Act and Article 347(1) of the Criminal Act regarding the crime, and the reasons for sentencing (opportunation of punishment) and the amount by fraud, agreement, reflectivity, etc.