[Judgment of the court below]

1. Around December 1, 2011, the Defendant committed the crime against the victim C made a false statement to the effect that, “A victim C would have 2 million won borrowed from the bank account and password to be deposited within 2 to 3 days, by preparing two handsphones, a copy of resident registration, a certificate of personal seal impression, a certified copy of resident registration, one copy of resident registration, and informing the victim C of the bank account and password to be deposited.”

However, the defendant did not have the intent or ability to deliver the money to the above victim even if he obtained a loan from the lending company under the name of the victim by using the above information.

Nevertheless, the Defendant, by deceiving the victim as such, obtained the right to obtain a loan from the victim under the name of the victim by being delegated with two cell phoness, a copy of resident registration, a certificate of personal seal impression, a copy of resident registration, a copy of a passbook in the name of the victim, and a password from the victim, and obtained a loan from the Cheongju Savings Bank in the name of the above victim on December 9, 201, and obtained a loan of five million won in the name of the above victim, and did not deliver it to the victim.

2. On April 15, 2013, the Defendant committed a crime against the victim D and E made a false statement to the effect that “The Defendant would lend money to the victim D and her husband E, including the head of the Tong and the fund transfer password, the secret number, the security card, the check card, the body card, the resident registration card, the certified copy of the resident registration certificate, and the copy of the resident registration certificate, as it is possible to lend a loan.”

However, the defendant did not have the intent or ability to deliver the money to the victims even if he/she received a loan from the lending company under the name of the victims using the above information.

Nevertheless, the defendant is identical to this.