Defendant

A Imprisonment of 2 years and 6 months, Defendant B's imprisonment of 2 years, Defendant C and Defendant D shall be punished by imprisonment of 1 year and Defendant D.

Punishment of the crime

1. The Defendants’ fraud played a general role in managing so-called loan fraud organizations that take charge of comprehensively managing the money under the pretext of eliminating loan records and raising credit rating, Defendant B, under the direction of the above A, managing the above offices and loan counselors, withdrawing cash, and distributing profits, and 11 persons, including Defendant C, etc., such as Defendant C, etc., play a role in providing loan counseling at the above loan fraud offices, together with S, T, and U.

The Defendants conspired to commit a crime with those who are not aware of the system of "year-income loan" that enables low-interest loan to be used by relaxing the qualification requirements for the ordinary people suffering from difficulties due to high interest loan by the government, and to delete the loan records so that low interest loan can be available, adjust credit rating to increase the credit rating, thereby obtaining a loan for "year-year-income" loan, and to take over the fee under the name of computer work expense for deleting credit records. The above loaner C, etc., and the above office manager B, the office manager, shall receive approximately KRW 30-7 million monthly profit, and the above loaner B, the office manager, the office manager, shall distribute the profits of KRW 10 million,000,000 for the remainder of the month except for the expenses.

Defendant

At A, B, and C, as above, in collusion on April 13, 2012, at the office of 301, the third floor of the Ro Building in Gangseo-gu Seoul, Gangnam-gu, Seoul, the fact of telephoneing the victim V to the victim is not a bank employee, and the victim is not capable of eliminating the records of credit inquiry, and if it satisfies certain qualification requirements, it is possible for the financial institution to grant the sunlight loan from the financial institution in accordance with the government policy, "the head of the our financial team is the head of the our country. The customer NPC is in a situation in which it is impossible to lend low interest rates due to bad credit standing, but it is demanded that 20% of the loan be remitted for the purpose of computer work.