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A defendant shall be punished by imprisonment for not more than ten months.
Seized evidence referred to in subparagraphs 4, 6, 8, 10, 11, 13, 14, and 16 through 27 shall be confiscated.
Reasons
Punishment of the crime
1. Any person who intends to run a loan business or loan brokerage business in violation of the Act on the Registration of Loan Business, etc. and the Protection of Financial Users shall register with the competent Mayor/Do Governor;
Nevertheless, without registering a loan business, the Defendant employed female employees, such as E, telephone consultant F, G, etc. from the office located in Suwon-gu, Suwon-si to assist in the business, and recommended the said female employee to provide loans to H by calling to H on February 22, 2016, and verifying the applicant’s resident registration number, decision date, etc. from H who applied for the loan and then called “to provide loans within the limit of the credit card without document or credit inquiry,” and then, confirmed that H’s credit card remains at H’s account and then transferred 6,190,000 won to H’s account, and received information necessary for the settlement of credit cards, such as card number, password, validity period, etc. from H by text message.
The above information was delivered to an illegal discount lender who is not aware of his/her name in his/her transaction relation, and the credit card merchant with which his/her trade name is unknown to settle KRW 8,260,000, which is about 39% of the loan amount, was divided into the above illegal discount lender under the pretext of prior interest.
From that time until April 11, 2016, the Defendant loaned 88,200,000 won to loan applicants on a total of 15 occasions as indicated in the attached list of crimes by means of the foregoing method, and used 119,548,800 won in total by using credit cards of loan applicants, thereby obtaining profits of 31,348,80 won.
2. No person in violation of the Act on Specialized Credit Financial Business shall lend funds by purchasing goods, services, etc. discounted by the credit card holders on a credit card;
The Defendant from February 22, 2016 to April 11, 2016.