Defendant shall be punished by a fine of 3.5 million won.

If the defendant fails to pay the above fine, 50,000 won shall be one day.

Punishment of the crime

1. Any person who intends to operate a unregistered credit business shall file for registration with the competent authority having jurisdiction over the relevant place of business by each place of business;

Nevertheless, around June 18, 2013, the Defendant agreed to receive KRW 600,000 won each day by leasing KRW 4.7 million after deducting KRW 3 million from KRW 5,000,000 from KRW 3,000,000,000 for five days from the office of Incheon Strengthening Group B, without registering with the competent authorities, and operated a unregistered credit business with repayment of KRW 1.2 million.

In addition, from December 2007 to June 25, 2013, the Defendant extended loans to nine persons on more than ten occasions, as shown in the list of offenses, and operated credit business without registering the credit business.

2. Where any unregistered credit service provider and any unregistered credit service provider lend a loan at a rate exceeding the restriction rate, they shall not collect interest at an rate exceeding 30/100 per annum.

Nevertheless, the Defendant given a loan to C as referred to in the preceding paragraph, and then received interest at an interest rate of 10.96% exceeding the above 30%.

In addition, the Defendant received interest exceeding the statutory interest rate as stated in the attached Table Nos. 1 through 3, 5, 6, and 11 in lending to 5 persons, such as C, etc., as described in the attached Table of Crimes.

Summary of Evidence

1. Defendant's legal statement;

1. Each statement of C, D, E, F, G, H, and I;

1. Each list of customer information inquiry;

1. Each report on internal investigation:

1. Application of Acts and subordinate statutes on facsimile records;

1. Relevant Article of facts constituting an offense, and Articles 19 (1) 1 and 3 (1) of the Act on Registration of Credit Business, etc. and Protection of Finance Users, Article 19 (2) 3 and 11 (1) of the Act on Registration of Credit Business, etc. and Protection of Finance Users, and Articles 19 (2) 3 and 11 (1) of the Act on Registration of Credit Business, etc. and Protection of Finance Users, the selection of each fine (the selection of a fine, in consideration of the fact that an offense is led to the confession and reflect of the offense,

1. Of concurrent crimes, the former part of Article 37, Article 38(1)2 and Article 50 of the Criminal Act shall apply to concurrent crimes;