The prosecution of this case is dismissed.

1. The summary of the facts charged is the relationship between the victim B and the fourth degree.

On December 2, 2015, the Defendant borrowed a total of 28 million won from the 7 loan companies, including the UN CF Capital Loan Co., Ltd., and requested the victims to jointly and severally guarantee the above obligation, thereby allowing the victims to jointly and severally guarantee the obligation.

When the defendant had difficulty in repaying the above debt due to the high interest rate, he was willing to lend money from the victim to repay the above debt.

On January 2016, the Defendant sent too much interest on loans received from the lending company to the victim in the middle and high-speed export trading complex in Yeonsu-gu Incheon Metropolitan City.

When a victim receives a loan from a savings bank and pays the above debt, he/she may make viewers feel the interest that is equivalent to the difference in the interest rate.

If the loan was received and the remaining amount was lent to B, it was false to the effect that “I will receive a loan under the name of B, the credit will be recovered after 3-4 months, and shall repay the victim’s debt.”

However, the defendant did not have any intention or ability to pay money, even if he borrowed money from the injured party, because he was in a situation where he should discontinue his business of the secondhand trading, and he was in charge of about 30 million won of personal debt.

On January 14, 2016, the Defendant received loans of KRW 18,80,00 from the Hyundai Savings Bank, KRW 23,000,000 from the SBI Savings Bank, KRW 13,000,000 from the JT-Friendly Savings Bank, and KRW 20,000,000 from the JT-Friendly Savings Bank on January 15, 2016. On the same day, the Defendant received loans of KRW 4,114,593 from the Titcos Bank’s account under the name of Titcos Ltd., Ltd., and KRW 4,080,160, KRW 4,118,418, and KRW 4,232,232,232, and KRW 314,293,294,314,294, 292,314, etc. from the loan account under the name of this corporation.