Defendant

A Imprisonment with prison labor for two years, for one year and six months, for Defendant C, for one year and six months, and for Defendant D.

Punishment of the crime

H uses the provisional name "I", while obtaining credit card information from loan applicants from J, K, etc., and play a role in a total book of "credit card tin" in the name of "L", and Defendant A plays a role in the name of "M", Defendant B is the name of "N" or "O", Defendant C is the name of "N" or "P", and Defendant D uses the above credit card information transmitted from H in the name of "P," and plays a role as a franchise hub to pay loans computed by deducting loans from the credit card holders and fees, in sequence, from the credit card payment proceeds, and from the credit card payment proceeds.

1. Defendant A

(a) A person who intends to run a credit business, etc. in violation of the Registration of Credit Business, etc. and Protection of Financial Users Act or a credit business in violation of the Specialized Credit Finance Business Act shall register his/her place of business with the Mayor having jurisdiction over the relevant place of business, and no one shall make a loan, arrange or arrange such loan by pretending the sale of goods, provision of services, etc., or by discounting goods, services

Nevertheless, the Defendant, in collusion with H and J on November 12, 2015, did not register the credit business and did not enter into a credit service agreement with R, while receiving R’s Samsung Credit Card Information at the place of business located in Suwon-gu Q, and then requesting H to provide loans. H, when transmitting the above credit card information to the Defendant, requested the Defendant to “line-holder”, and the Defendant pretended to purchase R’s above credit card to purchase KRW 3,400,000 in letter with the card, the Defendant would make a payment for the “line-holder” under the name of R and deducted the fee.