B. B In the case of credit loans handled by savings banks and loan companies, etc., with a low credit rating using the fact that it is not strict compared to other loans, or because there is no other asset, it is difficult to lend a financial institution in a normal way, and then obtains loans from loan companies by forging or falsely submitting various documents necessary for the loan, and then divided them into fees. (1) B requests loan applicants to forge the loan-related documents as the so-called "total book", and gives answers in the course of telephone confirmation by loan applicants, and receives confirmation telephone call as to whether the loan applicants hold office as if the loan applicants hold office, and (2) provides overall control over loan brokerage affairs such as lending applicants' receipt of payment statements as if the loan applicants were paid in office in the company; (3) provides loans to loan applicants under the name of loan applicants such as G and H; and (4) provides loans to loan applicants and loan applicants' roles such as loan brokerage in the name of the above loan applicants (hereinafter referred to as "loan applicants' loan-related business instructions"); and (5) provides loans and loan applicants' roles as loan applicants' business instructions.