1. The sentence against the accused shall be five million won;

2. The defendant does not pay the above fine.

Punishment of the crime

1. On November 2015, the Defendant: (a) around July 2015, around the office of “C” located in Busan Nam-gu, Busan; (b) around July 2015, the Defendant received loans of KRW 21 million under the name of the Defendant’s wife who attempted suicide; (c) the victim D, who jointly guaranteed the joint and several liability, “a hospital fee is the mother and child; (d) the additional loan was not available; and (e) the Defendant would receive an additional loan and repay the principal and interest of the loan if he/she jointly guaranteed the additional loan so that the loan can be received more jointly and severally by raising income.”

However, the Defendant did not have any special property at the time, and most of the above additional loans were thought to be used as living expenses, etc., so the victim did not have any intent or ability to repay even if he received the additional joint and several sureties as above.

On November 27, 2015, the Defendant, by deceiving the victim, obtained a loan of 6 million won from the nine lending companies, such as receiving a loan of 45 million won from the loan of the Soknch loan (ju) to the Soknch loan, but did not change this, and obtained the above loan by deceiving the victim to make the repayment by subrogation.

2. Around May 2016, the Defendant stated that the Defendant would repay the principal and interest if he/she borrowed the loan to the said victim at a low interest rate due to a high interest rate on the loan that he/she received earlier, with a low interest rate on the loan.

However, the defendant did not have the intent or ability to repay the above loan even if he borrowed money from the victim for the above reasons.

The Defendant, by deceiving the victim, had the victim borrow 40 million won from two lending companies such as the SBI Savings Bank, etc., and acquired the above loan by receiving the deposit from the Defendant’s name account (SB E).

Summary of Evidence

1. Statement by the defendant in court;

1. Statement made by the police against D;

1. Each loan transaction contract, each debt certificate, each loan guarantee contract, all of the full payment certificate, a certificate of full payment of receipts and disbursements, and the application of each statute to each written confirmation;

1. Criminal facts;