The Defendant is a person who was engaged in the electrical construction business in the name of “B,” and the victim C is a director at the site of D Building at the time of net 2013, and the Defendant becomes aware of the electrical construction in the construction site.

1. Fraud;

A. On July 2015, the Defendant’s joint and several liability fraud concluded to the effect that “The Defendant, at the construction site of the F school in the Hacheoncheon-si, would have obtained loans from the lending company, and would have made payment of personnel expenses and material expenses to the employees. In one month, the Defendant: (a) was required to have the lending company with the registration certificate of apartment rights; (b) was automatically refunded after the month; and (c) was automatically refunded to the lending company; and (d) was likely to be omitted from the guarantor.”

However, in fact, there was no particular property for the defendant, and there was no intention or ability to repay the loan in time, or to exclude the victim from the joint and several surety because there was no fact that there was a new loan that the victim is a joint and several surety, such as the debt of KRW 40 million, the debt of KRW 110 million, and the debt of KRW 150,000,000,000.

Nevertheless, on August 4, 2015, the Defendant, by deceiving the victim as above, as a joint guarantor, received loans in total of KRW 27 million from nine companies, including, but not limited to, nine companies, including, the K-A-A-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U-U

B. On September 1, 2015, the Defendant: (a) on September 1, 2015, at Qing Bank located in Qing-si P, Qing-si, the Defendant made a false statement to the effect that he would obtain a loan from the victim and repay all the loans that he received; and (b) he would succeed to all the loans that he received in the name of

However, the facts are personnel expenses and expenses for the employees of the defendant who received the loan from the victim.