The defendant shall be innocent.

1. The summary of the facts charged is a person who operated “G” for an entertainment drinking club located in Gangnam-gu Seoul Metropolitan Government.

피고인은 위 업소를 운영할 만한 자금이 없는 상태에서 대출알선브로커 H을 통해 서울 송파구 가락동에 있는 피해자 제일저축은행에서 강남 소재 유흥업소 업주들을 상대로 대출받고자 하는 유흥업소에 종사하는 마담과 접대부 등에게 지급되는 선불금(마이낑) 서류(피고용약정서, 대여금약정서, 근보증서 등)를 담보로 선불금 합계액에 상응하는 거액을 대출해 주는 유흥업소 특화대출(속칭 ‘마이낑 대출’) 상품이 있다는 사실을 알게 되었는바, 허위의 선불금 서류를 위 피해은행 대출담당 직원에게 제출하여 대출금을 편취하기로 마음먹었다.

Around December 16, 2009, the Defendant, at the above G business establishment, had J, who was liable for the prepaid money to “I”, another entertainment drinking club operated by the Defendant, prepare false prepaid documents as if he had received KRW 30 million under the pretext of the prepaid money in G, and had employees prepare false prepaid documents, such as the written statement of “the preparation of documents related to the false prepaid money for entertainment tavern G” in the attached Table, and submitted the relevant documents to the employees of the damaged bank on January 5, 2010, and acquired them by receiving KRW 600 million from the damaged bank, including KRW 30 million on the same day and KRW 300 million on the 15th of the same month.

2. Comprehensively taking account of the following circumstances acknowledged by the records of the instant case, it is insufficient to recognize the facts charged by the Defendant by deceiving the Japanese savings bank with the intent of fraud and by deceiving it, and there is no evidence to acknowledge otherwise.

① On October 1, 2008, the Defendant received G entertainment tavern from K and operated the said entertainment tavern from that time until February 16, 2010.

. investigation records;